{"id":27729,"date":"2026-07-02T17:17:15","date_gmt":"2026-07-02T11:47:15","guid":{"rendered":"https:\/\/pages.milaap.org\/?page_id=27729"},"modified":"2026-07-03T15:53:31","modified_gmt":"2026-07-03T10:23:31","slug":"ayushman-bharat-pmjay","status":"publish","type":"page","link":"https:\/\/pages.milaap.org\/hi\/ayushman-bharat-pmjay\/","title":{"rendered":"Ayushman Bharat: PMJAY (2026)\u00a0– Everything you need to know about India\u2019s mega health scheme"},"content":{"rendered":"
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\n\t\t\t\t\tAyushman Bharat - PMJAY (2026)<\/span>\t\t\t\t<\/div>\n\t\t\t\t
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Ayushman Bharat: PMJAY (2026) - Everything you need to know about India\u2019s mega health scheme\n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t
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June 2026<\/strong><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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Ayushman Bharat Pradhan Mantri Jan Arogya Yojana was launched on 23rd September, 2018, by our Hon\u2019ble Prime Minister, Shri Narendra Modi. It was launched after the Union Cabinet meeting in 2017, with the aim of providing free, cashless health insurance coverage to the bottom 40% of India\u2019s population. Ayushman Bharat PM-JAY is the world\u2019s largest public health assurance scheme that is fully funded by the government. It is an insurance aspect of a bigger Ayushman Bharat flagship health program which was launched with the aim of empowering primary healthcare using Health and Wellness Centres.<\/span><\/p>

The key objectives of Ayushman Bharat PM-JAY focuses on cutting down poverty caused due to healthcare costs, improving accessibility to both public and private hospitals for secondary and tertiary care treatments, addressing unmet health care needs, ensuring equitable treatment and offering financial support to vulnerable groups against high medical expenses.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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⚡ Most government schemes require you to apply before initiating treatment. Read this guide before your first hospital visit.<\/p><\/div>\t\t\t\t<\/div>\n\t\t\t\t

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Ayushman Bharat PMJAY Benefits and Coverage<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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To mitigate catastrophic out-of-pocket medical expenses, impoverishment of vulnerable households due to medical emergencies, and exclusion of the poor from quality secondary and tertiary care units, the government provides Rs. 5 lakhs per eligible family per year to cover unexpected medical expenses. This scheme provides cashless treatment across 11 crore empanelled government-funded and private hospitals. It provides coverage for pre- and post-hospitalization, paying pre-admission and post-discharge costs based on approved treatment packages.\u00a0<\/span><\/p>

The scheme covers the entire family, allowing every eligible member to use the provided fund. The program offers access without restrictions on age, gender, or the number of family members who can benefit from the coverage. Unlike regular health insurance policies, Ayushman Bharat PM-JAY covers pre-existing diseases without any waiting period, and provides access for treatment in any empanelled hospital across the country, irrespective of the home state of the beneficiary or the patient. The scheme also provides <\/span>coverage for up to 3 days of pre-hospitalization and 15 days post-hospitalization expenses including medical examination, consultation fee, diagnostics and recommended medical drugs<\/span>.<\/span>\u00a0<\/span><\/p>

The Ayushman Bharat Pradhan Mantri Jan Arogya Yojana was updated to include all the senior citizens aged 70 and above irrespective of their income, they receive a unique Ayushman Vay Vandana card. These 70+ individuals receive an additional amount of Rs. 5 lakhs if they are already enrolled in the scheme, and they need not share it with their family members. Senior citizens who are already benefiting from other government schemes like Central Government Health Scheme (CGHS), Ex-servicemen Contributory Health Scheme (ECHS), or Central Armed Police Force (CAPF) are free to either continue with their current scheme or opt for AB PM-JAY.<\/span><\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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Who is Eligible for Ayushman Bharat Card?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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The eligibility criteria for Ayushman Bharat PM-JAY is an entitlement based scheme, where eligibility is structurally divided to target the most vulnerable populations of India. For rural beneficiaries, eligibility is outlined using the deprivation criteria of the Socio-economic Caste Census (SECC 2011). For urban beneficiaries, it is distinguished based on occupational groups.\u00a0<\/span><\/p>

Ayushman Bharat Eligibility for Rural Areas<\/strong><\/h3>

Rural inclusion relies on identifying poverty based on explicit household constraints.<\/span><\/p>