FAQs on Ayushman Bharat Yojana (PM-JAY)
Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) is a health insurance scheme launched by the Government of India. It provides free medical coverage of up to ₹5 lakh per family per year for secondary and tertiary healthcare services to economically weaker sections.
Eligibility is based on Socio-Economic Caste Census (SECC) 2011 data:
- Rural Areas: Families with no earning adult, those in SC/ST categories, landless laborers, etc.
- Urban Areas: Families of street vendors, domestic workers, rickshaw pullers, construction workers, etc.
You can check eligibility by:
- Visiting the official Email: harinarayanhealthcare@gmail.com
- Calling the helpline at +91 8252791002
- Visiting the nearest Common Service Center (CSC) or empaneled hospital
There is no registration required. If eligible, your name is already listed in the PM-JAY database. You can get an Ayushman Card from:
- Nearest CSC Center
- Empaneled government or private hospital
- Ayushman Mitra (facilitators at hospitals)
- Aadhaar Card
- Ration Card or other family ID proof
- Mobile Number
- SECC Eligibility Proof (if needed)
- Free treatment up to ₹5 lakh per family per year
- Covers hospitalization, diagnostics, and medicines
- Cashless & paperless treatment at empaneled hospitals
- Covers pre-existing diseases
- Major surgeries (heart, kidney, liver, etc.)
- Cancer treatment
- Maternity care
- Orthopedic procedures
- Dialysis
- Mental health services
- COVID-19 treatment
No, OPD consultations are generally not covered, but hospitalization and pre- and post-hospitalization expenses are included.
Treatment can be availed at:
- Government hospitals
- Private hospitals empaneled under PM-JAY
- Check the list of hospitals on PM-JAY website
No, PM-JAY provides cashless treatment, and you do not need to pay anything at empaneled hospitals.
