Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PMJAY) is the Government of India’s flagship health assurance scheme aimed at providing cashless treatment to poor and vulnerable families. It offers health coverage up to ₹5 lakh per family per year for hospitalisation at empanelled public and private hospitals. PMJAY covers over 12 crore families and is currently among the world’s largest publicly funded healthcare programmes.
Latest News on PMJAY
Several states have recently introduced new updates related to PMJAY. In Jharkhand, the government has announced enhanced free treatment benefits by combining the state health scheme with PMJAY, increasing the overall coverage limit for eligible families.
Meanwhile, states like Himachal Pradesh have raised concerns over pending dues under Ayushman Bharat, leading to warnings from hospitals that services may face disruptions if payments are not released on time.
In Gorakhpur, reports suggest that some PMJAY beneficiaries are experiencing delays in receiving approved implants and consumables, which has prompted calls for improving scheme coordination at the hospital level.
Benefits of PMJAY
Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana provides a wide range of healthcare benefits, including:
- Cashless health cover up to ₹5 lakh per family per year.
- Treatment available at thousands of empanelled hospitals.
- Coverage for major surgeries, therapies and specialised care.
- Pre- and post-hospitalisation expenses as per package rates.
- Coverage for pre-existing diseases from day one.
- National portability, allowing beneficiaries to use PMJAY anywhere in India.
Eligibility
PMJAY is designed for poor and vulnerable households identified under the SECC 2011 database. Families included in the official PMJAY list or verified under state-specific rules are eligible to receive Ayushman cards. No premium or enrollment fee is required for beneficiaries.
Documents Required
To check eligibility or generate a PMJAY card, beneficiaries may need the following documents:
- Aadhaar card or any government-issued ID.
- Address proof like ration card, voter ID or state-issued documents.
- Mobile number for OTP verification.
- Family ID, ration card number or state-specific identification (if applicable).
- Supporting documents for corrections or updates, when required.
Exclusions
Some services are not covered under PMJAY, including:
- Cosmetic or non-essential aesthetic procedures.
- Organ donor expenses outside approved packages.
- Fertility, IVF or assisted reproduction treatments.
- Non-allopathic treatments unless covered under specific packages.
- Treatments at non-empanelled hospitals or beyond approved rates.
Application Process
Unlike typical government schemes, PMJAY does not require a separate formal application. Instead, the process focuses on verifying whether a family is already listed as eligible. Once confirmed, beneficiaries can generate their Ayushman card and start using the scheme.
Registration Process – How to Apply for PMJAY
Follow the steps below to check eligibility and obtain your PMJAY card:
- Visit the PMJAY beneficiary portal or a nearby Common Service Centre (CSC).
- Complete mobile number verification using OTP if required.
- Search eligibility using Aadhaar, ration card or other accepted identifiers.
- If eligible, verify family details and generate the Ayushman (PMJAY) card.
- Download or print the card and carry it while visiting an empanelled hospital.
Beneficiaries may also check eligibility and services through the UMANG app and other authorised state portals depending on availability.
Official Website
- National Health Authority: nha.gov.in
- PMJAY information portal: pmjay.gov.in
- Beneficiary services: beneficiary.nha.gov.in
- Hospital transaction portal: tms.pmjay.gov.in
- Scheme details: mysheme.gov.in and UMANG portal
Disclaimer
This article is intended for informational purposes only and is based on publicly available updates. Scheme benefits, rules and policies may change over time. Readers should confirm details through official government portals or authorised centres before making decisions.
FAQs
Q1. What is the main benefit of Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana?
The primary benefit of PMJAY is cashless treatment coverage up to ₹5 lakh per family per year at empanelled hospitals for secondary and tertiary care.
Q2. Can everyone apply for PMJAY?
No. Only families listed under the SECC 2011 database or verified through state-specific eligibility rules can receive PMJAY benefits.
Q3. How can I check if my family is eligible for PMJAY?
You can check eligibility on the beneficiary portal or at CSC centres using your mobile number, Aadhaar, ration card, or other accepted identification documents.
