Pradhan Mantri Jan Arogya Yojana (PM-JAY), also known as Ayushman Bharat, is a flagship health assurance scheme by the Indian government. Launched in 2018, it provides financial protection to economically vulnerable families, ensuring access to quality healthcare.
Key Benefits of PM-JAY
PM-JAY offers several benefits, making it one of the largest health schemes in the world. Here are some key advantages:
1. Cashless Treatment
Beneficiaries can avail of cashless treatment in empaneled hospitals across India, covering major surgeries, medical procedures, and hospital stays.
2. ₹5 Lakh Coverage per Family
Each eligible family receives health coverage of ₹5 lakh per year for secondary and tertiary care hospitalization, ensuring financial relief during medical emergencies.
3. Nationwide Portability
PM-JAY allows beneficiaries to access medical services across India, making healthcare accessible even when they travel or relocate.
4. No Age or Family Size Restriction
Unlike other health insurance schemes, PM-JAY does not impose restrictions on family size, age, or gender, covering all members of an eligible household.
5. Coverage for Pre-Existing Conditions
All pre-existing diseases are covered from day one, ensuring individuals with chronic illnesses receive necessary treatment without exclusions.
Eligibility Criteria for PM-JAY
The scheme primarily benefits economically weaker sections based on the Socio-Economic Caste Census (SECC) 2011. Eligibility is determined as follows:
Rural Households:
- Families living in one-room houses with kutcha walls and roofs
- Families with no adult male member aged 16-59
- Households with disabled members or landless laborers
Urban Households:
- Workers in informal sectors like construction, sanitation, domestic help, and rickshaw pullers
- Street vendors, cobblers, and small shop workers
How to Check Eligibility & Apply
To check eligibility and apply for PM-JAY benefits, follow these steps:
- Visit the Official Website – Go to https://pmjay.gov.in and enter your mobile number to verify eligibility.
- Generate Ayushman Card – Eligible users can obtain an Ayushman Bharat Card from Common Service Centers (CSCs) or empaneled hospitals.
- Choose an Empaneled Hospital – Use the hospital locator on the PM-JAY website to find nearby hospitals providing cashless treatment.
- Get Treatment – Show your Ayushman Card at the hospital to avail of free medical services.
Conclusion
PM-JAY is a revolutionary healthcare scheme ensuring financial security for millions of Indians. With its cashless treatment, nationwide portability, and extensive coverage, it provides a safety net for vulnerable families. Check your eligibility today and secure your health under Ayushman Bharat.
For more information, visit https://pmjay.gov.in.