Sarkari Prakashan

Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PM-JAY)

Ayushman Bharat – PM-JAY is the world’s largest health insurance/assurance scheme fully financed by the Government of India. It provides ₹5 Lakh per family per year for secondary and tertiary care hospitalization to over 50 crore beneficiaries.

✅ Key Features

  • Coverage up to ₹5 lakh per family per year for hospitalization expenses.
  • No restriction on family size, age or gender.
  • Cashless treatment at empaneled public & private hospitals.
  • More than 1,500 medical procedures covered including pre & post-hospitalization.
  • Nationwide portability — beneficiaries can avail benefits anywhere in India.

🎯 Objectives

The scheme aims to:

  • Reduce out-of-pocket expenditure for poor and vulnerable families.
  • Provide access to quality healthcare services.
  • Strengthen public health infrastructure by incentivizing empanelment.

📌 Eligibility Criteria

Eligibility is based on SECC 2011 (Socio-Economic Caste Census) database:

  • Rural: Deprived households (D1 to D7 categories) such as landless laborers, manual scavengers.
  • Urban: Identified occupational categories such as ragpickers, domestic workers, construction laborers.
  • Check eligibility using official PM-JAY portal with your mobile number or ration card.

📝 Documents Required

  • Aadhaar Card
  • Ration Card (for family linkage)
  • Mobile Number
  • Any government-issued ID for verification

🏥 How to Get the Card

  1. Visit your nearest Common Service Centre (CSC) or Ayushman Mitra kiosk.
  2. Provide Aadhaar and family details for verification.
  3. Get your Ayushman Bharat e-card printed after approval.

💊 Treatment Process

  1. Visit an empaneled hospital (search on PM-JAY website).
  2. Show your Ayushman card / Aadhaar card.
  3. Hospital verifies eligibility through Beneficiary Identification System (BIS).
  4. Receive cashless treatment and discharge without paying.

📊 Impact

  • Over 5 crore hospital admissions authorized since launch.
  • Over 1.6 lakh empaneled healthcare providers across India.
  • Massive reduction in catastrophic health expenditure for poor households.

❓ FAQs

Q1: Is there any enrollment fee?

No, PM-JAY is fully free for eligible families.

Q2: Can I use PM-JAY in private hospitals?

Yes, if the hospital is empaneled under PM-JAY.

Q3: What if my name is not in the list?

You can submit a grievance through the official portal or visit your nearest CSC.

📞 Helpline

Call 14555 or 1800-111-565 for support.

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