The Ayushman Bharat PM JAY (Pradhan Mantri Jan Arogya Yojana) is the world’s largest government-funded healthcare scheme. Under the Ayushman Bharat PM JAY initiative, eligible low-income families across India receive health coverage of up to ₹5 lakh per family per year for secondary and tertiary care hospitalisation.
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Ayushman Bharat — Pradhan Mantri Jan Arogya Yojana (PM-JAY)
A government health insurance scheme providing cashless hospitalisation cover of up to ₹5 lakh per family per year at empanelled hospitals.
Government Scheme
Quick Information
- Category
- Government Scheme
- Department
- National Health Authority, Ministry of Health and Family Welfare
- Government Level
- Central Government
- Official Portal
- pmjay.gov.in
- Last Verified
- 2026-09-06
Overview
Important Information
Eligibility & Benefits
- Eligibility
- Families identified as deprived under SECC 2011 (rural) or in defined occupational categories (urban); all citizens aged 70 and above, irrespective of income, under a later scheme expansion. Eligibility can be checked on the official portal using a ration card, Aadhaar, or mobile number.
- Benefits
- Cashless and paperless hospitalisation cover of up to ₹5 lakh per family per year at empanelled government and private hospitals, covering pre- and post-hospitalisation expenses for listed procedures.
- Required documents
- Aadhaar card, ration card or SECC-linked family ID, mobile number for verification.
How to Apply
- Application process
- Check eligibility on the official PM-JAY website or the Ayushman App, then get an Ayushman card issued at an empanelled hospital's Ayushman Mitra desk or a nearby Common Service Centre.
Official Source
National Health Authority, Ministry of Health and Family Welfare
Visit Official Website / Apply
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Source: National Health Authority — PM-JAY
Last verified: 2026-09-06
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