Ayushman Bharat Yojana is the world’s largest health insurance scheme introduced by the Government of India and is also known as Pradhan Mantri Jan Arogya Yojana (PM-JAY). The scheme was launched as part of the National Health Policy 2017, which aims to provide universal health coverage (UHC) to all citizens of the country. Prime Minister Narendra Modi launched the scheme on September 23, 2018, in Ranchi, Jharkhand.
Ayushman Bharat has brought about a significant change in the healthcare system in India. It aims to provide hassle-free treatment in hospitals to poor and vulnerable families. The scheme has two major components, namely Health and Wellness Centres (HWCs) and Pradhan Mantri Jan Arogya Yojana (PM-JAY), to enable access to all services, including simple and sophisticated care.
Primary Objective of Ayushman Bharat Yojana
The primary objective of the scheme is to provide free and cashless health insurance to millions of poor families in India. Under this scheme, free medical care up to Rs 5 lakh per family is provided to the family irrespective of the level of illness.
The scheme covers 107.4 million poor and vulnerable families (about 500 million people) – it is the largest health care scheme in the world. The families are selected as per the SECC 2011 data. The cost of financing the scheme is shared by the central and state governments.
Ayushman Bharat Yojana 2025: Overview
Scheme Name: Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PMJAY)
Launched by: Government of India
Launch Date: September 23, 2018
Implementation: Ministry of Health and Family Welfare
Health Coverage: Rs 500000/family/annual cover
Beneficiaries: 10.74 crore poor and vulnerable families
Scheme Type: Health Insurance/Medical Assistance
Web Address: pmjay.gov.in
Benefits of Ayushman Bharat Yojana
Through PM-JAY, a family is provided with cashless treatment for serious illnesses. There is no limit on the number of family members, age or existing conditions.
Key Benefits (in phases)
- Cashless treatment up to Rs. 500000.00.
- Senior and tertiary hospital insurance.
- Any pre-existing conditions are also included.
- There is no restriction on the number of family members.
- Healthcare in private and government hospitals.
- Pre and post-hospitalisation expenses.
- Free food and accommodation for admitted patients.
- Post-discharge follow-up treatment for 15 days.
Eligibility Criteria
PM-JAY is eligible in both rural and urban classes.
Rural beneficiaries
Families are eligible if they fulfil any of the following circumstances:
- One-room dwelling with mud walls/roof.
- No adult member in the age group of 16–59 years.
- Female-headed households without a male adult.
- Persons with disabilities without an able-bodied person.
- SC/ST communities.
- Unemployed workers are dependent on daily wages.
Urban beneficiaries
Persons in the following professions can apply:
- Garbage collectors, street people, domestic helpers.
- Shopkeepers, pedestrians, street vendors.
- Employees in the construction industry (plumbers, painters, masons).
- Gardeners, sanitation workers, sweepers.
- Drivers, conductors, rickshaw/e-rickshaw drivers.
- Electricians, mechanics, shop assistants, and delivery boys.
Application procedure for getting the Ayushman Card
The application process for getting an Ayushman Bharat Card (PMJAY e-Card) is very simple and completely online. You can get your card here:
- Nearest CSC Centre
- Government/Private Hospital in the PMJAY list.
- PMJAY website or UMANG app
After submitting the application, beneficiaries need to locate their names in the SECC 2011 list and submit identification. Arogya Mitra will help you.
Steps to apply
- Visit the nearest CSC Centre or PM-JAY Hospital.
- Please provide your name, mobile number or ration card number.
- Verify your name in the SECC database.
- Verify with Aadhaar or any government ID.
- Post the required documents and family details.
- Get your PMJAY e-card after approval.
Required documents
- Aadhaar card or any authentication card.
- Address proof
- Mobile number and email ID
- Ration card
- Caste certificate (if applicable)
- Income certificate
- Joint/joint family status proof.
Who is not eligible? (Exclusions)
The following families are not covered by this scheme:
- Families with two, three or four-wheeler cars.
- People with highly developed agricultural equipment.
- Government employees/pensioners.
- Families with a monthly income of more than Rs. 10,000.
- People with a refrigerator or landline phone.
- People with concrete houses.
- People with agricultural land of more than 5 acres.
Official source
The official government site Ayushman Bharat – PMJAY 2025 provides all the information.
Here you can check your eligibility, the list of hospitals and the card application.
Important link
Web address: pmjay.gov.in
Authority: myscheme.gov.in
Declaration
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