Ministry of Health and Family Welfare Ayushman Bharat Yojana |
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| Scheme Introduction | The Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) represents a transformative health initiative by the Government of India, designed to deliver comprehensive financial protection against critical medical expenses for economically disadvantaged segments of society. Launched under the National Health Policy 2017, it bridges the gap in accessible healthcare by providing up to ₹5 lakh per family annually for secondary and tertiary treatments, fostering a resilient public health framework that prioritizes prevention, promotion, and curative services across primary, secondary, and advanced care levels. This program not only alleviates the burden of catastrophic health costs but also empowers vulnerable populations to seek timely interventions, ultimately enhancing overall life expectancy and productivity in underserved communities. | ||||||||||||
| Core Objectives | The primary vision of PM-JAY is to realize Universal Health Coverage by shielding low-income households from the devastating financial repercussions of severe illnesses, enabling them to access quality hospital care without depleting savings. Key aims include reducing out-of-pocket expenditures, minimizing treatment delays due to monetary constraints, and curbing mortality rates linked to untreated conditions. By integrating preventive measures with robust insurance mechanisms, the scheme promotes holistic wellness, supports equitable resource distribution in healthcare infrastructure, and aligns with sustainable development goals for improved public health outcomes nationwide. | ||||||||||||
| Eligibility Framework | Beneficiaries are identified through the Socio-Economic Caste Census (SECC) 2011 database, targeting the bottom 40% of the population based on deprivation indices such as rural landlessness, manual scavenging, or urban slum residency. Over 10 crore families qualify automatically, with expansions in 2025 extending coverage to all senior citizens aged 70 and above regardless of income, adding approximately 6 crore new beneficiaries. Exclusions apply to higher-income brackets, but verification via Aadhaar-linked ration cards or family IDs ensures seamless inclusion; provisional eligibility checks are available online to confirm status before application. | ||||||||||||
| Coverage Benefits | Families receive an annual health assurance package of ₹5 lakh, fully cashless at empanelled public and private facilities, encompassing diagnostics, hospitalization, pre- and post-operative care, and follow-up treatments. This encompasses nearly 1,949 procedures across 27 specialties, including oncology, cardiology, and orthopedics, with no waiting period or co-payments. Additional perks include free e-cards for instant access, portable coverage across states, and integration with other schemes like ESIS for broader ecosystem synergy, ensuring uninterrupted care for over 55 crore individuals while eliminating financial barriers to essential services. | ||||||||||||
| Included Medical Procedures | The scheme safeguards against a wide array of high-cost interventions, such as coronary artery bypass grafting, prostatectomy for cancer, carotid endarterectomy, skull base tumor resections, double valve cardiac replacements, pulmonary valve surgeries, anterior spinal fixations, laryngopharyngectomies, and tissue expander implantations for reconstructive needs. These span critical domains like cardiovascular, neurological, and oncological care, with empanelled hospitals providing end-to-end support from consultation to rehabilitation, ensuring standardized protocols and outcome monitoring for optimal patient recovery. | ||||||||||||
| Excluded Conditions | Coverage does not extend to outpatient consultations (OPD), fertility enhancements, cosmetic enhancements, organ transplants, drug rehabilitation programs, or personalized diagnostic explorations unrelated to listed procedures. Routine wellness check-ups, alternative therapies, or elective non-therapeutic interventions fall outside the ambit, directing beneficiaries toward primary health centers for such needs while reserving the insurance pool for acute, life-threatening scenarios to maintain fiscal sustainability. | ||||||||||||
| Application Procedure | Initiate the process by verifying eligibility on the official portal using your mobile number and Aadhaar; upon confirmation, generate a unique family ID to access the digital application. Complete the online form with personal demographics, family details, and consent for data sharing, followed by biometric authentication via fingerprint or iris scan at a nearby empanelled center. Required uploads include Aadhaar, ration card, bank passbook, and proof of residence; post-submission, the e-card is issued instantly via email/SMS, with physical cards dispatched within 7-10 days. For offline mode, approach Common Service Centers (CSCs) with originals for assisted enrollment, ensuring real-time verification and immediate provisional coverage activation. | ||||||||||||
| Required Documentation | Essential proofs encompass Aadhaar card for identity validation, family ration card or SECC slip for socio-economic confirmation, mobile-linked bank account details for direct benefit transfers, and a recent passport-sized photograph. For senior citizen expansions in 2025, age proof like voter ID or birth certificate suffices; all submissions undergo digital encryption for privacy, with helplines available for query resolution during the streamlined 15-minute enrollment window. | ||||||||||||
| Step-by-Step Online Guide |
This digital pathway minimizes paperwork, with multilingual support ensuring inclusivity for diverse users. | ||||||||||||
| Offline Enrollment Process | Head to the nearest CSC or PM-JAY kiosk with original documents; the operator scans Aadhaar for auto-populated data, verifies deprivation criteria, and conducts on-spot biometrics. Post-validation, a transaction slip is generated, and the e-card is printed on-site for immediate use, with follow-up SMS alerts for card delivery. This mode suits rural or digitally challenged applicants, backed by 5 lakh+ trained facilitators nationwide for equitable outreach. | ||||||||||||
| Essential Resources |
Leverage these platforms for real-time assistance, with toll-free helpline 14555 for 24/7 support. | ||||||||||||
| Frequently Addressed Queries |
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Important Links List are as given below | ||||||||||||
Content Type Details | Content Links | |||||||||||
Apply Online Ayushman Card | Link 1 | Link 2 | |||||||||||
Check Your Name | Click Here | |||||||||||
Official Website | ||||||||||||