Pradhan Mantri Ayushman Bharat Yojana (PM-JAY)
Government of India
Overview
Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) gives economically vulnerable families free hospitalisation cover of up to Rs 5 lakh per family per year. Treatment is cashless and paperless at empanelled public and private hospitals.
Beneficiaries are identified from the Socio-Economic Caste Census (SECC): rural deprivation criteria (such as a one-room kutcha house, SC/ST households, landless labour households) and, in urban areas, families of workers in specified occupations (domestic workers, street vendors, construction workers, drivers and others). There is no limit on family size, age or gender, and pre-existing diseases are covered from day one. All senior citizens aged 70 or above get special coverage.
Check whether you are listed via 'Am I Eligible' on the PM-JAY website or at a CSC; after identity verification an Ayushman card (e-card) is issued. Treatment is available at empanelled hospitals anywhere in India.
At a glance
- Administering authority
- Government of India
- Scheme type
- Health
- Place of posting / area
- All India
- Application mode
- Online and offline
- Important dates
- Applications accepted year-round
Benefits
- Up to Rs 5 lakh per family per year for secondary and tertiary hospitalisation
- Cashless, paperless treatment at empanelled public and private hospitals
- Pre- and post-hospitalisation expenses
- No limit on family size, age or gender
- Portable across India
- Pre-existing diseases covered from day one
Eligibility
- Beneficiaries are identified from the Socio-Economic Caste Census (SECC) database
- Rural: deprivation criteria — e.g. one-room kutcha house, no adult member aged 16–59, SC/ST households, landless manual-labour households — plus automatic inclusion
- Urban: families of workers in specified occupations — e.g. domestic workers, street vendors, construction workers, drivers
- No income cap; the family must be in the PM-JAY beneficiary database
- Senior citizens aged 70 or above can apply using a specific form
Required documents
- Aadhaar card, ration card or other government ID
How to apply
- Check whether you are listed via 'Am I Eligible' on the PM-JAY website or at a nearby CSC
- Eligible families are identified automatically from SECC — no application form is needed
- After identity verification you receive an Ayushman card (e-card)
- At the hospital, biometric authentication is followed by cashless treatment
Last updated: 1 Nov 2026
Report an error
