Get a Demo

PMJAY (Pradhan Mantri Jan Arogya Yojana)

 

PMJAY (Pradhan Mantri Jan Arogya Yojana), also known as Ayushman Bharat Yojana, is a flagship health insurance scheme launched by the Government of India in 2018 under the Ayushman Bharat Mission. It aims to provide financial protection for healthcare to economically weaker sections of society and is the largest health assurance scheme in the world. The program provides health coverage of ₹5 lakh per family per year for secondary and tertiary care hospitalization to over 10.74 crore poor and vulnerable families (approximately 50 crore beneficiaries) that form the bottom 40% of the Indian population.

 

On September 11, 2024, the Union Cabinet approved a major expansion of PMJAY.

 

All senior citizens aged 70 and above will now receive health coverage, regardless of their income.
This decision ensures even greater inclusivity for vulnerable sections of society, further strengthening the scheme’s reach and impact.

 

Key Features of PMJAY:

 

1. Free Health Insurance Coverage:

    • Provides health insurance of up to ₹5 lakh per family per year.
    • Covers hospitalization costs for secondary and tertiary care treatments.

 

2.Beneficiaries:

    • Targets poor and vulnerable families identified from the Socio-Economic Caste Census (SECC) database.
    • No cap on family size, age, or gender.

 

3.Coverage Details:

    • Includes pre- and post-hospitalization expenses.
    • Covers diagnostic tests, medication, surgeries, and ICU services.
    • Includes day-care procedures and critical illnesses.

 

4. Empaneled Hospitals:

    • Offers cashless and paperless treatment at empaneled public and private hospitals across India.

 

5.Portability:

 

    • Beneficiaries can avail of services at any empaneled hospital nationwide.

 

Steps to Register for PMJAY:

 

1. Check Eligibility:

    • Visit the official PMJAY website: www.pmjay.gov.in.
    • Use the “Am I Eligible” tool by entering your mobile number and verifying via OTP.
    • Provide details like state, district, and SECC ID to check eligibility.

 

2. Contact Nearby CSC (Common Service Center):

    • If eligible, visit a Common Service Center (CSC) to confirm your details.
    • Bring your Aadhaar card, ration card, or any government-approved identity proof for verification.

 

3. Obtain PMJAY Card:

    • Once verified, you will be issued a PMJAY e-card.
    • This card is used to avail of cashless treatments at empaneled hospitals.

 

4. Use Empaneled Hospitals:

    • Search for the nearest PMJAY-registered hospitals through the website or by contacting the PMJAY helpline.

 

Benefits:

 

    • Reduces out-of-pocket expenses.
    • Improves access to quality healthcare services.
    • Focuses on providing coverage for severe diseases and catastrophic conditions.

 

This scheme is a significant step toward achieving Universal Health Coverage (UHC) in India.