Ayushman Bharat Yojana
आयुष्मान भारत योजना
World's largest health insurance program providing ₹5 lakh free coverage to 50 crore Indians
Ayushman Bharat Yojana (आयुष्मान भारत योजना), officially known as Pradhan Mantri Jan Arogya Yojana (PM-JAY), is the world's largest government-funded health insurance scheme launched on September 23, 2018. This flagship initiative of the Government of India aims to provide financial protection and access to quality healthcare for India's poor and vulnerable population.
The yojana provides health coverage of ₹5 lakh per family per year for secondary and tertiary care hospitalization to over 50 crore beneficiaries (approximately 10.74 crore families). It is the world's largest health assurance scheme fully financed by the government, making quality healthcare accessible to all eligible citizens.
50 Crore+
Beneficiaries Covered
₹5 Lakh
Coverage Per Family
27,000+
Empanelled Hospitals
₹5 Lakh Annual Coverage
Health coverage of ₹5 lakh per family per year for hospitalization expenses
Cashless Treatment
No payment required at empanelled hospitals - completely paperless and cashless
Nationwide Portability
Use your card at any empanelled hospital across India, in any state
Family Coverage
Entire family covered under single card - up to 5 members per family
1,949+ Treatment Packages
Covers all major diseases, surgeries, and medical procedures
Pre & Post Hospitalization
Covers 3 days pre-hospitalization and 15 days post-hospitalization expenses
No Premium Required
Completely FREE - no registration fee, no annual premium, no hidden charges
Pre-existing Conditions Covered
All pre-existing diseases covered from day one - no waiting period
Eligibility for Ayushman Bharat Yojana is based on the Socio-Economic Caste Census (SECC) 2011 database. Families meeting the following criteria are eligible:
Rural Families (Deprivation Criteria)
- • Households with only one room, kutcha walls and kutcha roof
- • No adult member between age 16 to 59 years
- • Female-headed households with no adult male member
- • Households with disabled member and no able-bodied adult member
- • Scheduled Caste/Scheduled Tribe households
- • Landless households deriving major income from manual casual labor
Urban Workers (Occupational Criteria)
- • Rag pickers, beggars, domestic workers
- • Street vendors, cobblers, hawkers, street sellers
- • Construction workers, plumbers, masons, painters, welders
- • Transport workers, conductors, drivers, cart pullers, rickshaw pullers
- • Mechanics, electricians, repair workers
- • Washermen, chowkidars, sweepers, sanitation workers, gardeners
- • Home-based workers, artisans, tailors, handicraft workers
How to Check: Visit beneficiary.nha.gov.in and enter your mobile number, Aadhaar, or ration card details to verify if your family is eligible under the yojana.
Ayushman Bharat Yojana covers 1,949 treatment packages across 25 specialty areas including:
🫀 Cardiology & Cardiac Surgery
Heart surgeries, angioplasty, bypass surgery, valve replacement
🧠 Neurology & Neurosurgery
Brain surgery, spine surgery, neurological treatments
🎗️ Cancer Treatment
Chemotherapy, radiation therapy, cancer surgeries
🦴 Orthopedic Surgery
Joint replacement, fracture treatment, spine surgery
👁️ Ophthalmology
Cataract surgery, retinal surgery, eye treatments
🫁 Pulmonology
Respiratory diseases, lung surgery, TB treatment
🩺 General Surgery
Appendectomy, hernia repair, gallbladder surgery
🫘 Nephrology & Urology
Kidney transplant, dialysis, urological surgeries
👶 Pediatrics & Neonatology
Child healthcare, newborn care, pediatric surgeries
🤰 Obstetrics & Gynecology
Maternity care, C-section, gynecological surgeries
Additional Coverage:
- ✓ 3 days pre-hospitalization expenses (diagnostics, consultations)
- ✓ 15 days post-hospitalization expenses (medicines, follow-up)
- ✓ All investigation and diagnostic charges
- ✓ Medicine and consumables during hospitalization
- ✓ Non-intensive and intensive care services
- ✓ Food and accommodation charges
- ✓ Complications arising during treatment
Check Your Eligibility
Visit the official Ayushman Bharat portal at beneficiary.nha.gov.in and check if your family is eligible for the yojana. Enter your mobile number, Aadhaar number, or ration card details to verify eligibility in the SECC 2011 database.
Locate Enrollment Center
Find your nearest Common Service Center (CSC) or visit an empanelled hospital with Ayushman Mitra desk. Use the CSC locator on the official website or search for 'CSC center near me' to find the closest location for enrollment.
Prepare Required Documents
Carry your original Aadhaar card (mandatory), ration card if available, active mobile number, and details of all family members to be included in the yojana. Ensure your Aadhaar is updated with current address and phone number.
Visit Enrollment Center
Go to the CSC center or hospital Ayushman Mitra desk with your documents. The operator will verify your eligibility in the PM-JAY system and confirm your family details from the SECC 2011 database.
Complete Biometric Verification
Provide your fingerprint and photograph for biometric authentication linked to your Aadhaar. This identity verification is mandatory and takes only 2-3 minutes to complete. This ensures secure access to the yojana benefits.
Receive Your Ayushman Card
After successful verification, your Ayushman Bharat card will be printed immediately. You receive a physical card with unique Health Account Number, family details, and QR code. The card is valid for cashless treatment at all empanelled hospitals nationwide.
7+ Crore
Hospital Admissions Authorized
₹90,000+ Cr
Total Claims Settled
27,000+
Empanelled Hospitals
30+ Crore
Ayushman Cards Generated
Global Recognition: Ayushman Bharat Yojana has been recognized by the World Health Organization (WHO) as one of the most ambitious health insurance schemes globally, providing universal health coverage to the world's largest population segment.
Important Points to Remember
- • Ayushman Bharat Yojana is completely FREE - no premium or registration fee required
- • Card is valid nationwide at all empanelled hospitals across India
- • Pre-existing diseases are covered from day one with no waiting period
- • Treatment is cashless - no payment required at hospital
- • Entire family covered under single card (up to 5 members)
- • ₹5 lakh coverage is per family per year, not per member
PM-JAY Toll-Free Helpline: 14555
Timing: Monday to Saturday, 9:00 AM to 6:00 PM
Email: support@pmjay.gov.in
Official Website: pmjay.gov.in
For queries about eligibility, enrollment, hospital empanelment, or any issues related to the yojana, contact the helpline or visit the official website.