HealthNational SchemeOngoing
Ayushman Bharat — PM Jan Arogya Yojana (PMJAY)
Rs 5 lakh/year health insurance for bottom 40% households — world's largest health scheme.
Ministry of Health and Family Welfare, National Health Authority
What you get
PM-JAY provides Rs 5 lakh annual health cover per family for secondary and tertiary hospitalisation. Benefits cover: 1,949 medical procedures including surgeries, medicine, diagnostics, ICU charges, and 3 days pre-hospitalisation and 15 days post-hospitalisation. Cashless treatment at over 25,000 empanelled hospitals (government and private) across India. No cap on family size. No exclusion for pre-existing conditions. Portable — use anywhere in India. Beneficiary identified by SECC (rural) and NSSO (urban) data — check by Aadhaar at any empanelled hospital.
Who can apply
Bottom 40% households based on Socio-Economic Caste Census (SECC 2011) for rural and Occupational categories for urban. Rural criteria: households with scheduled caste/tribe, landless households dependent on manual casual labour, primitive tribal groups, legally released bonded labourers, households without shelter, and other SECC criteria. Verify eligibility at mera.pmjay.gov.in using Aadhaar or ration card.
Documents required
General
- Aadhaar card or ration card (for eligibility check)
- Government ID at hospital (no card needed — Aadhaar verification sufficient)
- Hospital provides all documents after admission