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CentralHealthCentral Scheme
Ayushman Bharat PM-JAY
Managed by: Ministry of Health & Family Welfare (National Health Authority)
About the Scheme
Ayushman Bharat PM-JAY is India's flagship health insurance scheme providing Rs. 5 Lakhs cashless hospitalization cover to over 50 crore beneficiaries.
Welfare Benefits & Assistance
- •Rs. 5 Lakhs health cover per family per year
- •Cashless treatment at empaneled hospitals
- •Covers 1,929 medical/surgical packages
- •No premium for beneficiaries
Eligibility Criteria
State ResidencyIndian citizen
Age LimitsAll ages covered
Family Income CapMust be from SECC-2011 deprived category or enrolled RSBY family
Social Class / CategoryAll
Additional Prerequisites
- No cap on family size
- Covers pre-existing conditions from day one
Documents Required for Application
Tip: Keep scanned color copies of these documents ready before starting your online application.
How to Apply (Step-by-Step Guide)
1
Check eligibility at pmjay.gov.in
2
Download Ayushman Bharat card via mobile app
1
Visit Ayushman Mitra at empaneled hospital
2
Show Aadhaar for on-spot verification and card generation
Who Should Apply?
- ✓SECC-2011 deprived families
- ✓Former RSBY beneficiaries
Who Should NOT Apply?
- ✗Families with private health insurance above Rs. 5L (optional)
Common Rejection Reasons
- •Not in SECC-2011 deprivation list
Recent Updates & Changes
- »2026: Coverage expanded to 1,929 packages
Frequently Asked Questions (FAQs)
Is there any premium?
No, beneficiaries pay zero premium. The government covers the full cost.
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Scheme Details
State / CentralCentral Government
AuthorityNational Health Authority
SubcategoryHealth Insurance
Launch DateSeptember 2018
Target Beneficiarygeneral
Official Helpline14555 / 1800-111-565