Ayushman Bharat Yojana – Full Guide to Eligibility, Benefits, and How to Apply

The largest health coverage scheme in the world, introduced by the Government of India, is Ayushman Bharat Yojana and also called Pradhan Mantri Jan Arogya Yojana (PM-JAY). The scheme was initiated as a part of the National Health Policy 2017, which has the intention of offering Universal Health Coverage (UHC) to all citizens of the country. Prime Minister Narendra Modi initiated the scheme on September 23, 2018, at Ranchi, Jharkhand.

Ayushman Bharat has resulted in a significant change in the healthcare system of India. It aims to give poor and vulnerable families hassle-free treatment in a hospital. The plan encompasses two major elements, namely Health and Wellness Centres (HWCs) and Pradhan Mantri Jan Arogya Yojana (PM-JAY) to avail all services, including simple and sophisticated care.

Primary Ayushman Bharat Yojana Objective

The primary goal of this plan is to offer millions of poor families in India free and cashless health insurance. With the scheme, medical care up to 5 lakh per family is offered at no cost to the family, irrespective of the level of the ailment.

The scheme also includes 107.4 million poor and vulnerable families (around 500 million people), which is the largest health protection scheme in the world. Families will be selected according to SECC 2011 statistics. The central and state governments share the cost of financing the scheme.

Ayushman Bharat Scheme 2025: Overview

Name of the scheme: Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PMJAY)
Launched: Government of India
Launch Date: September 23, 2018
Implementation: Ministry of Health and Family Welfare
Health Coverage: 500000/family/annual cover
Beneficiaries: 10.74 crore poor and vulnerable families
Type of Scheme: Health Insurance/Medical Assistance
Web Address: pmjay.gov.in

The advantages of the Ayushman Bharat Scheme

Through PM-JAY, critical illnesses are treated through cashless treatment for the family. The number of family members, age, and existing conditions are not limited.

Key Benefits (Step-by-Step)

• Treatment up to 500000.00 is cashless.
• Senior and tertiary hospitalisation insurance.
• Any pre-existing conditions were also included.
• There is no restriction in terms of the number of family members.
• Healthcare in the private and state hospitals.
• Pre- and post-hospitalisation costs.
• Complimentary meals and lodging for admitted patients.
• Postdischarge follow-up treatment 15 days.

Eligibility Criteria

PM-JAY is eligible in rural and urban classes.

Rural Beneficiaries
Families are entitled to do so provided that they fulfil any of the following circumstances:

• One-room dwelling made of mud walls/ roof.
• No adult member aged 16–59 years
• Households headed by females that do not have a male adult.
• Families of the disabled who lack an able-bodied support person.
• SC/ST communities.
• Unemployed workers rely on their daily wages.

Urban Beneficiaries
Individuals in the following occupations can apply:

• In litter collectors, street people, and house helpers.
• Shopkeepers, pedestrians, street vendors.
• Employees in the construction industry (plumbers, painters, masons).
• Gardeners, sanitation workers, Sweepers.
• Drivers, conductors, rickshaw/e-rickshaw drivers.
• Electricians, mechanics, store attendants, and delivery boys.

Application Procedure for Obtaining an Ayushman Card

Application Process to get an Ayushman Bharat card (PMJAY e-Card). The process is very simple and fully online. You can get your card through:

• Nearest CSC Centre
• Government/private hospital in the PMJAY list.
• PMJAY website or UMANG app.

Upon application, beneficiaries have to locate their names in the SECC 2011 list and submit their identity documents. Arogya Mitra assists you.

Steps to Apply

1. Visit the closest CSC Centre or PM-JAY hospital.
2. Please provide your name, mobile number or ration card number.
3. Check your name on the SECC database.
4. Check with Aadhaar or any government ID.
5. Post the necessary documents and family details.
6. Get your PMJAY e-card on approval.

Documents Required

• Aadhaar card or any authentication card
• Address proof
• Mobile number and email ID
• Ration card
• Caste certificate (where applicable)
• Income certificate
• Joint/nuclear family status proof

Who is not eligible? (Exclusions)

The scheme does not cover the following families:

• Families that have two, three or four-wheeled cars.
• More highly developed people of agricultural equipment.
• Government employees/pensioners
• Those families with a monthly income of above 10,000 Indian rupees.
• Owners of a refrigerator or a land phone.
• Those with a concrete house
• Individuals who possess over 5 acres of agricultural land.

Official Source

The official government site provides all information concerning Ayushman Bharat – PMJAY 2025.
Here you may check your eligibility, the list of hospitals and the card application.

Important Link

Web Address: pmjay.gov.in
Authority: myscheme.gov.in

Declaration

etime.in is not affiliated with any government agency, official department, or authority. The information provided in this post/website is for informational purposes only. We are not answerable for any damages or errors related to the use of our content. Aspirants should always verify the information directly from the official website or notification before taking any action.