Ayushman Bharat PM-JAY
Free, cashless health cover of ₹5 lakh per family per year at empanelled hospitals, for poor and vulnerable families — and for all citizens aged 70+.
- Level
- Central scheme
- Category
- Health, Insurance
- Benefit
- ₹5,00,000 per year — Health cover of ₹5 lakh per family per year for hospitalisation
Who is eligible?
- secc 2011 listed or age 70 plus
Eligibility is family-based, not income-certificate-based: rural families matching the SECC 2011 deprivation criteria and urban families in listed occupational categories are covered automatically, with no cap on family size or age. Since October 2024, every citizen aged 70 or above also qualifies under the Ayushman Vay Vandana card, regardless of income — as a separate ₹5 lakh top-up if the family already holds PM-JAY cover. The quickest way to know is to check your name on the official beneficiary portal or call 14555.
What you get
Each covered family gets health insurance worth ₹5 lakh per year for secondary and tertiary hospitalisation. Treatment is cashless and paperless at any empanelled hospital — public or private — anywhere in India, and pre-existing conditions are covered from day one.
How to apply
Check whether your family is listed at beneficiary.nha.gov.in or call the 14555 helpline. If listed, complete eKYC and download the Ayushman card from the portal or the Ayushman app, or have it made free of charge at any empanelled hospital or Common Service Centre.
Documents needed
- Aadhaar card
- Ration card or family ID
Source: National Health Authority (pmjay.gov.in). Facts pending re-verification against the official source — confirm details there before applying.