The Pradhan Mantri Jan Arogya Yojana (PMJAY), under Ayushman Bharat, is one of the world’s largest health insurance schemes providing free treatment to millions of families across India. Here’s everything you need to know 👇
🧾 What is PMJAY?
PMJAY is a government-funded health insurance scheme launched by the Ministry of Health & Family Welfare that provides cashless and paperless treatment at empanelled hospitals.
💰 Benefits (Coverage)
✔ Up to ₹5 lakh per family per year
✔ Covers secondary & tertiary hospitalization
✔ Includes pre & post-hospitalization expenses
✔ Covers medicines, diagnostics, and surgeries
✔ No restriction on family size, age, or gender
👨👩👧👦 Eligibility Criteria
✔ Based on SECC 2011 data (Socio-Economic Caste Census)
✔ Rural & urban deprived families
✔ No need to enroll separately if eligible
👉 Check eligibility online using mobile number or ration card
📄 Required Documents
- Aadhaar Card (preferred but not mandatory)
- Ration Card / Family ID
- Mobile number
- Residence proof
- SECC identification or eligibility proof
📝 How to Apply / Get PMJAY Card
Step-by-Step Process:
1️⃣ Visit nearest Common Service Centre (CSC) or empanelled hospital
2️⃣ Provide Aadhaar / ration card for verification
3️⃣ Check eligibility in PMJAY database
4️⃣ Complete e-KYC (biometric or OTP)
5️⃣ Get your Ayushman Card (Golden Card)
👉 No registration fee for eligible beneficiaries
💻 Online Method (Check Eligibility)
1️⃣ Visit official website
2️⃣ Click on “Am I Eligible”
3️⃣ Enter mobile number & OTP
4️⃣ Search using name, ration card, or mobile
🌐 Official Website
📅 Start Date & Duration
- 📌 Launched: 23 September 2018
- 📌 End Date: Ongoing scheme (no fixed end date)
🏥 Where Can You Use It?
✔ Government hospitals
✔ Private empanelled hospitals across India
✔ Cashless treatment anywhere in India
📌 Important Points
🔹 Completely cashless & paperless
🔹 Covers over 1,500+ medical procedures
🔹 No premium required from beneficiaries
🔹 Portable across India (use in any empanelled hospital)
❤️ Why PMJAY Matters
✔ Protects families from high medical expenses
✔ Improves access to quality healthcare
✔ Reduces financial burden during emergencies