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The Pradhan Mantri Jan Arogya Yojana (PMJAY) is a health insurance scheme launched by the Prime Minister of India, Narendra Modi, on 23 September 2018. It is the largest health assurance scheme in the world, aiming to provide health coverage of Rs. 5 lakhs per family per year for secondary and tertiary care hospitalisation to over 10.74 crores poor and vulnerable families (approximately 50-55 crore beneficiaries) that form the bottom 40% of the Indian population. The scheme is fully funded by the Government of India and provides financial protection for a wide variety of secondary and tertiary care hospitalisations. To apply for the scheme, individuals can check their eligibility by visiting the official PMJAY website and entering their mobile number or ration card number.
| Characteristics | Values |
|---|---|
| Name | Pradhan Mantri Jan Arogya Yojana (PMJAY) |
| Other Names | Ayushman Bharat Yojana, Pradhan Mantri Suraksha Bima Yojana, Pradhan Mantri Jeevan Jyoti Bima Yojana |
| Launch Date | 23rd September 2018 |
| Launch Location | Ranchi, Jharkhand |
| Launched By | Prime Minister of India, Narendra Modi |
| Aim | To provide financial protection for secondary and tertiary healthcare for the economically weaker section of society |
| Coverage | Rs. 5 lakhs per family per year for healthcare expenses |
| Eligibility | Families identified by the government based on deprivation and occupational criteria using the SECC database for rural and urban areas |
| Application Process | Visit the official PMJAY website and enter your mobile number or ration card number to check eligibility |
| Card | Ayushman card issued to beneficiaries to avail services at empanelled hospitals |
| Cost | Fully funded by the Government of India; costs shared between Central and State Governments |
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What You'll Learn
Eligibility for PMJAY
Pradhan Mantri Jan Arogya Yojana (PMJAY) is a health insurance scheme that provides financial protection for secondary and tertiary healthcare. This scheme was announced by the Government of India in 2018 to help the economically weaker sections of society access healthcare facilities. PMJAY is the largest health assurance scheme in the world, aiming to provide a health cover of Rs. 5 lakhs per family per year for secondary and tertiary care hospitalisation to over 10.74 crores poor and vulnerable families (approximately 50-55 crore beneficiaries) that form the bottom 40% of the Indian population.
- Households residing in dwellings constructed with unbaked mud or other non-durable materials and comprising only a single room.
- Households lacking any adult male member within the age group of 16 to 59 years.
- Families with at least one disabled member and no able-bodied adult member for support.
- Households belonging to Scheduled Castes (SC) or Scheduled Tribes (ST) communities.
- Landless families primarily dependent on manual, casual labour for their livelihood.
- Destitute families/those living on alms.
- Manual scavenger households.
- Primitive tribal groups.
- Legally released bonded labour.
- Construction worker/Plumber/Mason/Labourer/Painter/Welder/Security guard/Coolie and other head-load workers.
On September 12, 2024, the Union Cabinet approved the expansion of PMJAY for all senior citizens above 70 years of age, irrespective of their socio-economic status. To determine eligibility for this program, individuals can visit the official PMJAY website and enter their mobile number or ration card number. They will receive instant confirmation of their eligibility status, allowing them to take advantage of the benefits provided by the scheme.
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How to apply for PMJAY
Pradhan Mantri Jan Arogya Yojana (PMJAY) is a health insurance scheme that was launched by the Prime Minister of India, Narendra Modi, on 23rd September 2018. It is the largest health assurance scheme in the world, aiming to provide a health cover of Rs. 5 lakhs per family per year for secondary and tertiary care hospitalization to over 12 crore poor and vulnerable families, which is approximately 55 crore beneficiaries. The scheme is fully funded by the Government of India and provides financial protection for a wide range of secondary and tertiary care hospitalisations.
PMJAY helps households access secondary and tertiary care by funding up to Rs. 5 lakhs per family per year. This assistance is valid for daycare procedures and even applies to pre-existing conditions. There is no waiting period for pre-existing diseases, and beneficiaries can receive cashless treatment at any empanelled government or private hospital.
To apply for PMJAY, individuals can follow these steps:
- Visit the official PMJAY website.
- Enter your mobile number or ration card number to determine your eligibility.
- If eligible, register on the portal and get your Aadhaar or ration card verified at a PMJAY kiosk.
- Get your e-card printed with a unique AB-PMJAY ID.
It is important to note that PMJAY is an entitlement-based mission and there is no enrollment process. Families who are identified by the government based on deprivation and occupational criteria using the SECC database in rural and urban areas are entitled to PMJAY benefits.
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Benefits of PMJAY
Pradhan Mantri Jan Arogya Yojana (PMJAY) is a health insurance scheme that was launched by the Prime Minister of India, Narendra Modi, on 23 September 2018. It is the largest health assurance scheme in the world, aiming to provide health coverage to over 10.74 crore poor and vulnerable families (approximately 50-55 crore beneficiaries) that form the bottom 40% of the Indian population. Here are some of the key benefits of PMJAY:
Financial Protection
PMJAY provides financial protection for secondary and tertiary healthcare expenses. The scheme covers up to Rs. 5 lakhs per family per year for hospitalisation expenses, including 3 days of pre-hospitalisation and 15 days of post-hospitalisation expenses. This financial protection helps reduce the catastrophic out-of-pocket health expenditure for the economically weaker sections of society.
Cashless and Paperless Treatment
PMJAY offers cashless and paperless treatment at empanelled public or private hospitals across India. Beneficiaries can avail of healthcare services without any additional charges, making it a simple and accessible process. The scheme also covers a wide range of procedures, including advanced medical care like cardiac surgery and cancer treatments.
Improved Accessibility
PMJAY aims to improve the accessibility of healthcare facilities, especially in rural and underserved areas. With the inclusion of both public and private hospitals, beneficiaries can seek treatment closer to their homes. The scheme also prioritises senior citizens, girl children, and women, ensuring that they have access to quality healthcare.
Coverage for Pre-existing Conditions
Unlike other health insurance schemes, PMJAY does not have a waiting period for pre-existing diseases. Beneficiaries can receive treatment for pre-existing conditions without any additional costs or waiting periods, ensuring continuous and affordable healthcare.
Easy Eligibility Check
PMJAY has a simple eligibility check process. Individuals can visit the official PMJAY website or call the PMJAY call centre to check their eligibility. The scheme uses the Socio-Economic and Caste Census (SECC) 2011 to identify beneficiary families, and there is no enrolment process required for those who are eligible.
PMJAY has been a pioneering initiative to provide health coverage to the poor and vulnerable population in India. By offering financial protection, improving accessibility, and providing cashless treatment, the scheme has helped reduce the financial burden of healthcare expenses for millions of families.
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PMJAY for senior citizens
Pradhan Mantri Jan Arogya Yojana (PMJAY) is a health insurance scheme launched by the Prime Minister of India, Narendra Modi, on 23rd September 2018. It is the world's largest health assurance scheme, aiming to provide health coverage to over 50 crore beneficiaries, forming the bottom 40% of the Indian population.
The scheme has been a boon for senior citizens in India, offering them affordable, accessible, and quality healthcare services. All senior citizens above 70 years of age, irrespective of their socio-economic background, are eligible for a health insurance coverage of up to Rs. 5 lakh per family per year for secondary and tertiary care hospitalisation. This includes surgeries, specialist consultations, advanced treatments, and organ transplants.
The scheme ensures that senior citizens don't have to worry about immediate payments or reimbursement processes as it offers cashless treatment at empanelled hospitals across India. It also eliminates the burden of high medical bills, providing peace of mind during treatment. Additionally, PMJAY provides free annual health check-ups, preventive care, and screenings for senior citizens, helping detect health issues early and manage chronic conditions effectively.
How to Apply for PMJAY:
To apply for PMJAY, including senior citizens, individuals can follow these steps:
- Visit the official PMJAY website or use the Ayushman App for Android.
- Enter your mobile number or ration card number to determine eligibility.
- If eligible, complete the enrolment process by providing necessary documents, such as Aadhaar or any government ID, and family records.
- Await approval or rejection from the health insurance company or trust.
- Upon approval, an e-card will be issued, providing cashless and paperless access to health services under PMJAY.
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PMJAY e-card
Pradhan Mantri Jan Arogya Yojana (PMJAY) is a health insurance scheme announced by the Government of India in the Union Budget 2018. It was launched on 23rd September 2018 in Ranchi, Jharkhand by the Prime Minister of India, Narendra Modi.
PMJAY, also known as the Ayushman Bharat Yojana, is the largest health assurance scheme in the world. It aims to provide a health cover of Rs. 5 lakhs per family per year for secondary and tertiary care hospitalisation to over 12 crore poor and vulnerable families (approximately 55 crore beneficiaries) that form the bottom 40% of the Indian population. The scheme is completely funded by the Government of India and costs are shared between the Central and State Governments.
PMJAY helps households access secondary and tertiary care by funding up to Rs. 5 lakh per family per year. This assistance is valid for daycare procedures and even applies to pre-existing conditions. Once identified as a genuine beneficiary, you or your family member will be issued a health card by specially trained Ayushman Mitras. They manage kiosks in hospitals for those unaware of the PMJAY scheme.
To download the Ayushman Card, you can visit the official website at beneficiary.nha.gov.in. You will need to enter your name, Aadhaar number, Family ID, PM-JAY ID, and location. The card can be used to avail of services at an empanelled hospital, public or private, anywhere in the country. With the PMJAY scheme, beneficiaries can walk into a hospital and obtain cashless treatment.
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Frequently asked questions
PMJAY is a health insurance scheme providing financial protection for secondary and tertiary healthcare. It was announced by the Government of India in the Union Budget in 2018 and launched on 23rd September 2018.
To determine your eligibility, visit the official PMJAY website and enter your mobile number or ration card number. You will then receive instant confirmation of your eligibility status.
There is no enrollment process for PM-JAY as it is an entitlement-based mission. Families who are identified by the government based on deprivation and occupational criteria using the SECC database in both rural and urban areas are entitled to PM-JAY.
PMJAY offers cashless treatment and hospitalisation for beneficiaries and their families, with no waiting period for pre-existing diseases. It also provides an Ayushman card to avail services at empanelled hospitals, public or private, anywhere in the country.
