About this health scheme
Ayushman Bharat - PM-JAY provides health insurance of Rs. 5,00,000 per family per year for low-income families across India. Applications can be made online or offline. The official listing gives no last date, so check the official portal for the current status before applying.
Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PM-JAY) is a health insurance scheme aimed at helping low-income families in India.
It is run by the National Health Authority under the Ministry of Health and Family Welfare.
The scheme offers cashless hospitalization coverage of up to Rs. 5,00,000 per family per year for secondary and tertiary healthcare services.
This initiative is crucial as it ensures that vulnerable families can access quality healthcare without financial strain.
Benefits at a glance
| Scheme name | Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) |
|---|---|
| Launched by | Ministry Of Health & Family Welfare |
| Department | Department of Health and Family Welfare |
| Launch year | 2018 |
| Benefit | Ayushman Bharat - PM-JAY provides health insurance of Rs. 5,00,000 per family per year for low-income... |
| Benefit type | Cash (money paid to your bank account) |
| Category | Health |
| Level / State | Central ยท All India |
| Official portal | hospitals.pmjay.gov.in |
Key facts
| Scheme type | Central Sector Scheme |
|---|---|
| Implementing agency | National Health Authority (NHA) |
| Scheme for | Family |
| Application mode | Offline / Online |
| Last date | Not given in the official listing |
| DBT (direct bank transfer) | Yes |
| Implementation Agency | National Health Authority (NHA) |
| Last Date for Application | Ongoing |
Who can apply (quick check)
- ๐คAll genders
- ๐Age 0 to 80 years
- ๐Offline / Online
Quick check from official data. Full conditions are in the Eligibility section.
What you receive
- Annual Hospitalization Coverage: Cashless coverage up to Rs. 5,00,000 per family per year.
- Comprehensive Treatment Costs: Covers consultation, medicines, diagnostics, surgery, ICU, and accommodation.
- Pre and Post Hospitalization Support: Covers 3 days before and 15 days after hospitalization.
- Coverage of Pre-Existing Diseases: All pre-existing conditions are covered from day one.
The benefit is paid directly to the empaneled hospitals, ensuring a cashless experience for beneficiaries.
Who qualifies
- Age up to 80 years.
- Must belong to a low-income family as per deprivation criteria.
- Rural beneficiaries must meet at least one of the specified deprivation criteria.
- Urban beneficiaries must belong to one of the listed occupational categories.
Who is not eligible
- Individuals owning a two, three, or four-wheeler.
- Those with mechanized farming equipment.
- Government employees.
- Individuals earning more than Rs. 10,000 per month.
Papers to keep ready
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Registration walkthrough
- Offline: Visit a hospital or Community Service Centre (CSC). Provide your details to the Arogya Mitra for identification.
- Submit required documents for verification.
- Once approved, receive your e-card.
- Online: Register on the UMANG Portal.
- Verify your mobile number and create an MPIN.
- Select the PM-JAY service and fill out the application form.
- Upload necessary documents and submit the application.
You can check your application status through the UMANG Portal or by contacting the helpline number 14555.
Important dates
| Launch / start | 23 Sep 2018 |
|---|
Real-life examples: are you eligible?
A quick way to gauge your eligibility: find the profile nearest to yours.
Every case differs. Confirm your eligibility on the official portal before applying.
- Submitting incomplete documents can lead to rejection.
- Incorrect personal details may cause identification issues.
- Not meeting the deprivation criteria can result in ineligibility.
- Failure to verify identity properly can delay the application process.
- Not applying within the given time frame can lead to missed benefits.
Frequently asked questions
Do beneficiaries need to pay anything for the services?
No, all eligible beneficiaries can avail free services under PM-JAY.
How are beneficiaries identified for the scheme?
Beneficiaries are identified based on deprivation categories and occupational criteria.
Is there a card issued to beneficiaries?
Yes, an e-card is provided at the time of hospitalization.
Are pre-existing conditions covered?
Yes, all pre-existing diseases are covered from day one.
Can newborns be added to the family coverage?
Yes, newborns can be included after providing necessary documents.
What should I do if my name is not on the list?
Currently, no new families can be added, but additional members can be added for existing families.
How long does it take for claim approval?
Claims must be approved within 15 days after submission.
Can benefits be availed without an Aadhaar card?
Yes, an Aadhaar card is not mandatory for availing services.
Submit your application yourself on the official portal; it costs nothing. Treat anyone demanding money to "get you approved" as a scam.
- Guidelines www.pmjay.gov.in
- Guidelines For Beneficiary Identification sha.uk.gov.in (PDF)
- Guidelines On Payment For Special Cases pmjay.gov.in (PDF)
- Guidelines On Claim Settlement www.pmjay.gov.in (PDF)
- UMANG web.umang.gov.in
tsmpb.in is not affiliated with any government department. Apply only on the official portal and never pay anyone for an application.
Drafted with AI tools from the official listing. Every number and date is checked automatically against the official text; confirm the details on the official portal before applying.
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