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What Is Pradhan Mantri Jan Arogya Yojana (PM-JAY)?

Author: Team Finpage
Tuesday, May 28, 2024

Pradhan Mantri Jan Arogya Yojana (PMJAY) also known as Ayushman Bharat or the National Health Protection Scheme is a flagship health insurance scheme started by the Government of India. It was launched in September 2018 to protect the poor and lower sections of society.

The PM-JAY scheme aims to provide financial support and access to quality health care to the vulnerable population in case of hospitalisation due to medical emergencies.

How to Apply Online for Pradhan Mantri Jan Arogya Yojana (PMJAY)?

The following tips will assist you in applying for an Ayushman Bharat card and getting a Pradhan Mantri Jan Arogya Yojana (PMJAY) amount.

  1. Firstly, log in to the official website www.pmjay.gov.in by entering your mobile number and your residing state.

  2. Then make sure to have the required documents like Domicile, Aadhar card, Income Certificate and Ration card.

  3. Click on ABHA registration and use the Aadhar card number to finish the procedure.

  4. After that, wait for the approval of your application and then you may get your ABHA card.

Who Is Eligible for Pradhan Mantri Jan Arogya Yojana (PM-JAY)?

The people belonging to the EWS category and those without permanent residence are eligible to apply for this scheme. PMJAY Ayushman card list includes over 20 crores of the Indian population who have access to free-of-cost treatment of specialities like Cardiology, Oncology, Neurology, Paediatrics, Orthopaedics, and COVID-19.

Its eligibility criteria are mentioned below:

  • The applicant’s annual income must be below Rs. 2.5 lakh

  • Their family should not have any earning members above 16 years of age

  • If the applicant belongs to the SC or ST category, then he can also register online for this scheme and get this health card

What Are the Inclusions and Exclusions of PM-JAY- Ayushman Bharat?

The health insurance under PM-JAY includes hospitalisation costs and surgeries of the beneficiaries. Go through the below pointers to know, what health services are available under PM-JAY.

What Is Covered Under Ayushman Bharat Yojana Scheme?

  • Medical examination, consultation and treatment

  • Pre- and post-hospitalisation expenses up to 15 days

  • Medicine and medical consumables

  • Food, diagnostic, laboratory services and implant services

  • Accommodation

  • Daycare services and newborn child services

  • Complications if any, during treatment

What Is Not Covered Under Ayushman Bharat Yojana Scheme?

Similar to health insurance policies, the Ayushman Bharat Yojana scheme has some exclusions. The below components are not covered:

  • Out- Patient Department (OPD) expenses

  • Cosmetic surgeries

  • Fertility treatments

  • Drug Rehabilitation

  • Organ Transplant

  • Individual Diagnostics

Pradhan Mantri Jan Arogya Yojana (PMJAY) Benefits and Features

The PM-JAY scheme was started with the intention of providing accessible healthcare to needy people. Its benefits are as follows:

  1. Cashless treatment: Under PM-JAY, beneficiaries do not have to pay for medical expenses. They can avail of cashless treatment at empanelled hospitals across India.

  2. Empanelled hospitals: Based on the infrastructure, medical and care facilities, this scheme has a network of empanelled private and public hospitals across the country.

  3. Portability: PMJAY allows the beneficiaries to avail of cashless treatment at any empanelled hospital across the country, even outside their home state or district.

  4. Health and wellness centres: As a part of the Ayushman Bharat initiative, PMJAY includes the establishment of Health and Wellness Centers (HWCs) across the country which provide comprehensive primary healthcare services.

  5. Coverage: The Ayushman Bharat Yojana scheme offers coverage of up to Rs. 5 lakh per year per family for secondary and tertiary hospitalisation care.


In the end, the PM-JAY scheme is one of the best healthcare services as there is no cap on family size or age of members. Additionally, the pre-existing diseases are covered from the enrollment day. Hence, you can avail of the free-of-cost treatment from the very first day after getting the ABHA card.

Team Finpage

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