The Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) is one of the biggest government health schemes in India. It provides free health insurance up to ₹5 lakh per family per year for poor and vulnerable families.
This scheme helps people get cashless treatment in government and selected private hospitals across India.
What is Ayushman Bharat Yojana?
Ayushman Bharat Yojana is a central government health scheme launched to reduce the medical expenses of economically weaker families.
Under this scheme:
- Each eligible family gets ₹5,00,000 health cover per year
- Covers hospitalisation, surgery, medicines, and diagnostics
- Valid in all states of India
- No age limit and no family size limit
Benefits of Ayushman Bharat Scheme
Here are the main benefits:
- Free treatment up to ₹5 lakh
- Cashless service at empanelled hospitals
- Covers pre-existing diseases
- No paperwork for patients
- Includes major surgeries like heart, cancer, kidney, etc.
- Includes both government and private hospitals
Who is Eligible for Ayushman Bharat?
Eligibility is based on SECC 2011 data.
You are eligible if you belong to:
- BPL families
- Ration card holders
- Landless labourers
- Rural and urban poor families
- Families without permanent income
You can check eligibility online using mobile number or ration card.
How to Apply for Ayushman Bharat Card
Follow these simple steps:
- Visit official Ayushman portal
- Enter your mobile number
- Verify with OTP
- Check family details
- If eligible, download Ayushman card
You can also visit CSC (Common Service Centre) for free help.
Documents Required
- Aadhaar card
- Ration card
- Mobile number
- Family details
Hospitals Covered Under PM-JAY
More than 25,000+ hospitals are covered, including:
- AIIMS
- Government district hospitals
- Selected private hospitals
You can search hospitals by state and district on the official portal.
Frequently Asked Questions (FAQ)
- Is Ayushman Bharat completely free?
- Yes, treatment under PM-JAY is 100% free for eligible families.
- Can I use it in private hospitals?
- Yes, if the hospital is empanelled.
- Is there any age limit?
- No, people of all ages can use this scheme.
Conclusion
Ayushman Bharat Yojana is a lifesaving scheme for millions of Indian families. If you are eligible, make sure to get your Ayushman card and protect your family from heavy medical expenses.
Internal Links for Help Scope (use later):
- Health → Importance of Health Insurance
- Daily Tips → How to Save Medical Expenses
- Government Schemes → PM Kisan Yojana