CentralHealthActiveInsurance

Ayushman Bharat PM-JAY

Ministry of Health and Family Welfare

World's largest government-funded health insurance scheme providing cashless hospitalization cover of ₹5 lakh per family per year for secondary and tertiary care.

Benefit

₹5 lakh/year health cover

For

BPL, SC/ST, EWS families

Coverage

All States

Since

2018

Last Verified

Jan 2025

Eligibility

Who Can Apply

  • Families listed in SECC 2011 database
  • Scheduled Caste and Scheduled Tribe households
  • EWS and OBC families with income below ₹3 lakh
  • Active construction workers
  • RSBY beneficiaries

Who Cannot Apply

  • Families with formal government employment
  • Households owning motorized 2/3/4-wheelers (with exceptions)
  • Income tax payers
  • Professionals such as doctors, engineers, lawyers

Benefits

  • Health cover of ₹5 lakhs per family per year
  • Cashless access at 25,000+ empaneled hospitals
  • Covers pre and post hospitalization expenses
  • No premium to be paid by beneficiary

Documents Required

  • Aadhaar Card
  • Ration Card or BPL certificate
  • Income certificate (if applying under EWS)
  • Caste certificate (for SC/ST/OBC)
  • Mobile number

How to Apply

Online

  1. Visit pmjay.gov.in and check eligibility
  2. Call Helpline 14555 to confirm eligibility
  3. Visit nearest empaneled hospital's Ayushman Mitra desk
  4. Show Aadhaar. Your Ayushman card will be issued on the spot

Offline / CSC

  1. Visit nearest Common Service Centre (CSC)
  2. Carry Aadhaar and ration card
  3. CSC operator will verify and issue Ayushman card
  4. Completely free. Do not pay anyone for this

Frequently Asked Questions

No. The scheme is fully funded by the government. Beneficiaries pay nothing.