Sarkari Yojana
Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana
About Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana
Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana, run by the National Health Authority (NHA) under the Ministry of Health and Family Welfare, gives poor and vulnerable families cashless hospitalisation cover of ₹5,00,000 per family per year for secondary and tertiary care. The Prime Minister of India launched it in Ranchi, Jharkhand, on 23rd September 2018.
Ayushman Bharat marks a shift away from a fragmented, sector-by-sector approach to healthcare toward comprehensive, need-based care. It aims to bring transformative change across prevention, promotion, and ambulatory care at the primary, secondary, and tertiary levels, through a continuum-of-care model built on two linked components:
- Health and Wellness Centres (HWCs): These deliver comprehensive primary healthcare close to home — maternal and child health services, care for non-communicable diseases, free essential medicines, and diagnostics — while encouraging preventive care and healthier habits to cut the risk of chronic disease.
- Pradhan Mantri Jan Arogya Yojana (PM-JAY): The scheme’s second component, better known as PM-JAY, offers cashless health insurance cover of up to ₹5,00,000 per family per year for secondary and tertiary hospitalisation to poor and vulnerable families.
Scheme Overview
Central Government
Ministry Of Health & Family Welfare
National Health Authority (NHA)
23 Sep 2018
Scheme Details
Eligibility Requirements
To qualify for Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana, applicants must satisfy the following conditions:
Rural Beneficiaries Rural areas are assessed against seven deprivation criteria; PM-JAY covers households meeting at least one of the following six, plus households automatically included:
Living in a single room with kucha walls…
Living in a single room with kucha walls and a kucha roof.
No adult member aged 16 to 59
No adult member aged 16 to 59.
No adult male member aged 16 to 59
No adult male member aged 16 to 59.
A disabled member with no able-bodied adult in…
A disabled member with no able-bodied adult in the household.
SC/ST households
SC/ST households.
Landless households earning most of their income from…
Landless households earning most of their income from manual casual labour.
Automatically included: households without shelter.
Living as destitutes or on alms
Living as destitutes or on alms.
Manual scavenger families
Manual scavenger families.
Primitive tribal groups
Primitive tribal groups.
Legally released bonded labourers
Legally released bonded labourers. Urban Beneficiaries In urban areas, workers in the following 11 occupational categories are eligible:
Ragpickers
Ragpickers.
Beggars
Beggars.
Domestic workers
Domestic workers.
Street vendors, cobblers, hawkers, or other street-based service…
Street vendors, cobblers, hawkers, or other street-based service providers.
Construction workers, plumbers, masons, labourers, painters, welders, security…
Construction workers, plumbers, masons, labourers, painters, welders, security guards, coolies, and other head-load workers.
Sweepers, sanitation workers, and malis
Sweepers, sanitation workers, and malis.
Home-based workers, artisans, handicraft workers, and tailors
Home-based workers, artisans, handicraft workers, and tailors.
Transport workers — drivers, conductors, helpers to drivers/conductors,…
Transport workers — drivers, conductors, helpers to drivers/conductors, cart-pullers, and rickshaw-pullers.
Shop workers, assistants, peons in small establishments, helpers,…
Shop workers, assistants, peons in small establishments, helpers, delivery assistants, attendants, and waiters.
Electricians, mechanics, assemblers, and repair workers
Electricians, mechanics, assemblers, and repair workers.
Washer-men and chowkidars
Washer-men and chowkidars.
Benefits Provided
Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana provides the following benefits to eligible applicants:
Financial Health Insurance Cover:
Annual Hospitalization Coverage:
Each family gets cashless cover of up to ₹5,00,000/- every year.
Comprehensive Treatment Costs:
Consultation, medicines, diagnostics, surgery, ICU, implants, accommodation and food are all included.
Pre and Post Hospitalization Support:
Expenses for 3 days before hospitalization and 15 days after it are covered.
Treatment Complication Coverage:
Any complications that arise in the course of treatment are covered. Coverage Features:
Pre-Existing Disease Coverage:
Every pre-existing disease is covered right from day one.
No Family Size Limit:
Age, gender and family size impose no restriction.
Nationwide Portability:
Beneficiaries can avail benefits at empanelled hospitals anywhere in India.
Wide Procedure Coverage:
Roughly 1,929 medical procedures fall under the cover.
Documents Required
Applicants should keep the following documents ready before starting the application:
Age & identity proof (Aadhaar card/PAN card)
Age & identity proof (Aadhaar card/PAN card).
Proof of address
Proof of address.
Contact details (mobile, email)
Contact details (mobile, email).
Caste certificate
Caste certificate.
Income certificate
Income certificate.
Documentary proof of the family's current status (joint…
Documentary proof of the family's current status (joint or nuclear).
Aadhaar card
Aadhaar card.
2018-09-23
How to Apply
Offline Application
Applicants can apply for Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana through the offline application process outlined below.
The Arogya Mitra looks up the beneficiary list using details such as name, location, ration card number, mobile number, or RSBY URN. The individual is then located within the Beneficiary Identification System (BIS) and their scanned, valid ID documents are uploaded.
To get a PMJAY e-card for themselves and their family, a potential beneficiary should visit a hospital or Community Service Centre (CSC) for identification and go through the following steps:
The potential AB-PMJAY beneficiary provides the PM letter,…
The potential AB-PMJAY beneficiary provides the PM letter, RSBY URN, ration card number, or mobile number. The operator, commonly called the Arogya Mitra, searches the beneficiary list using these details.
The operator searches the BIS Application, checking the…
The operator searches the BIS Application, checking the beneficiary against the SECC, RSBY, State Health Scheme, and Additional Data Collection Drive databases.
If the name turns up, individual identification follows…
If the name turns up, individual identification follows — using Aadhaar or another government ID along with a ration card or alternative family ID to confirm the details on file, after which scanned documents are uploaded.
The Arogya Mitra identifies the family's records via…
The Arogya Mitra identifies the family's records via the ration card, uploads the scanned documents, and submits both individual and family records to the trust/insurance company for approval.
The health insurance company or trust approves the…
The health insurance company or trust approves the submission or recommends rejection; cases marked for rejection go to the State Health Agency (SHA) for a final call.
Once SHA, the insurance company, or the trust…
Once SHA, the insurance company, or the trust approves, the beneficiary receives an e-card, and can also check the list of empanelled hospitals registered under the scheme.
Online Application
Applicants can apply for Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana through the online application process outlined below.
Register on the UMANG Portal - Visit the…
Register on the UMANG Portal
Visit the official website of UMANG and click "Register" in the top right corner of the landing page — this opens the Registration Page.
Mobile Number Verification and MPIN Creation - On…
Mobile Number Verification and MPIN Creation
On the verification page, enter your mobile number and confirm it via OTP, then set up an MPIN to finish registering. You'll land on the UMANG homepage; log in with your mobile number and MPIN.
Accessing Services on UMANG - Tap the "All…
Accessing Services on UMANG
Tap the "All Services" tab at the bottom of the page and pick the service you want, which opens the Online Application Form.
Completing the Application - Fill in every mandatory…
Completing the Application
Fill in every mandatory field on the form and upload all required documents in the specified format and size.
Review and Confirmation - Go through everything you…
Review and Confirmation
Go through everything you entered and uploaded, fix anything that needs it, and accept the terms, declaration, and privacy policy where applicable.
Submitting the Application - Click "Submit" or "Apply"…
Submitting the Application
Click "Submit" or "Apply" to send in your application; you'll get a confirmation message once it's submitted successfully.
Exclusions / Who Is Not Eligible
1. Those who own a two, three, or four-wheeler or a motorized fishing boat.
1. Those who own mechanized farming equipment.
1. Those who have Kisan cards with a credit limit of ₹50,000/-.
1. Those employed by the government.
1. Those who work in government-managed non-agricultural enterprises.
1. Those earning a monthly income above ₹10,000/-.
1. Those owning refrigerators and landlines.
1. Those with decent, solidly built houses.
1. Those owning 5 acres or more of agricultural land.
Official Application & Website
Verify the latest eligibility, dates and instructions before applying.