Pradhan Mantri Jan Arogya Yojana (PMJAY)
India's Largest Health Insurance Scheme - Ayushman Bharat PMJAY
₹5 Lakh
Annual Coverage per Family
50 Crore+
Beneficiaries Covered
27,000+
Empanelled Hospitals
Pradhan Mantri Jan Arogya Yojana (PMJAY), also known as Ayushman Bharat, is the world's largest government-funded health insurance scheme. Launched by Prime Minister Narendra Modi on September 23, 2018, in Ranchi, Jharkhand, this flagship scheme aims to provide universal health coverage to India's economically vulnerable population.
The scheme provides free health coverage of up to ₹5 lakh per family per year for secondary and tertiary care hospitalization to over 50 crore beneficiaries from more than 10.74 crore poor and vulnerable families identified through the Socio-Economic Caste Census (SECC) 2011.
PMJAY is a centrally sponsored scheme with funding shared between the Central and State governments in a 60:40 ratio for most states and 90:10 for North-Eastern states and Himalayan states. The scheme is implemented by the National Health Authority (NHA) under the Ministry of Health and Family Welfare.
₹5 Lakh Annual Coverage
Comprehensive health coverage per family per year with no cap on family size or age
100% Cashless Treatment
No payment required at empanelled hospitals - completely free for beneficiaries
1,900+ Procedures Covered
Includes surgeries, medical treatments, diagnostics, and medicines
Pan-India Portability
Use your card at any empanelled hospital across all states in India
Pre-existing Conditions Covered
No waiting period - coverage starts from day one of enrollment
Family Floater Basis
All family members can use the ₹5 lakh coverage collectively
Eligibility for Pradhan Mantri Jan Arogya Yojana is determined based on the Socio-Economic Caste Census (SECC) 2011 database. The scheme targets the bottom 40% of India's population. Families meeting the following deprivation criteria are automatically eligible:
Rural Area Criteria:
- Households with only one room, kutcha walls and kutcha roof
- Families with no adult member between age 16 to 59 years
- Female-headed households with no adult male member aged 16 to 59 years
- Households with disabled member and no able-bodied adult member
- SC/ST households
- Landless households deriving major part of their income from manual casual labor
- Destitute, living on alms, and manual scavenger families
Urban Area Criteria:
- Ragpickers, beggars, domestic workers, street vendors
- Construction workers, plumbers, painters, welders, masons, laborers
- Transport workers, conductors, drivers, cart pullers, rickshaw pullers
- Shop workers, assistants, peons, waiters, delivery assistants
- Electricians, mechanics, assemblers, repair workers
- Washermen, chowkidars, sweepers, sanitation workers, gardeners
PMJAY covers over 1,900 medical and surgical procedures across 24 specialties including:
What's Included:
- Pre-hospitalization expenses (up to 3 days)
- Post-hospitalization expenses (up to 15 days)
- Medicines, diagnostics, and consumables
- Food, accommodation, and nursing care during hospitalization
- Complications arising during treatment
Check Your Eligibility
Visit the official PMJAY beneficiary portal at beneficiary.nha.gov.in or your nearest CSC. Enter your mobile number and state to check if your family is in the eligible list.
Visit CSC or Health Center
If eligible, visit your nearest Common Service Center (CSC) or designated health center with required documents: Aadhaar card, ration card, mobile number, and family details.
Complete Biometric Verification
At the CSC, your biometric details (fingerprints and photo) will be captured and linked to your Aadhaar for identity verification.
Get Your PMJAY Card
Your Ayushman Bharat Card will be generated immediately. You can download the PDF copy or request a physical card to be sent to your address.
Hospital Admissions Authorized
Total Claims Settled
Empanelled Hospitals
Pan-India Coverage
PMJAY has revolutionized healthcare access in India, providing financial protection to millions of families and reducing out-of-pocket healthcare expenses. The scheme has been recognized globally as one of the most ambitious universal health coverage initiatives.
Frequently Asked Questions
Related Resources
Learn about Ayushman Bharat Card and its features.
Step-by-step guide to download your card in PDF format.
Complete list of all benefits and covered procedures.
3 easy methods to download your Ayushman Card.