Ministry of Health & Family Welfare
Ayushman Bharat Pradhan Mantri Jan Arogya Yojana
Free cashless health cover up to ₹5 lakh per family per year for hospitalisation at 25,000+ empanelled hospitals
Ayushman Bharat PM-JAY is India's flagship national health insurance scheme run by the National Health Authority under the Ministry of Health & Family Welfare. It provides free cashless hospitalisation to economically vulnerable families at over 25,000 empanelled public and private hospitals across India. Since September 2024, all senior citizens aged 70 and above are automatically eligible regardless of income.
Am I Eligible?
Quick check — answer 3 questions
Is your age between 0 and 100 years?
Is your annual family income under ₹1 Cr?
Do you live in India?
Benefit Details
Free cashless health cover up to ₹5 lakh per family per year for hospitalisation at 25,000+ empanelled hospitals
Provided by Central Government
Eligibility Criteria
Rural households in SECC 2011 data (kutcha houses, landless labourers, SC/ST families, no adult male member aged 16–59, or a disabled member); urban workers in 11 occupational categories (street vendors, domestic workers, ragpickers, construction workers, etc.); and all senior citizens aged 70 and above regardless of income
0 to 100 years
Up to ₹1 Cr / year
Rural & Urban (Both)
Required Documents
💡 Tip: Keep original documents and 2 photocopies ready. Self-attest all photocopies.
How to Apply
Check Eligibility Online
onlineGo to pmjay.gov.in → click "Am I Eligible?" in the top menu → enter your registered mobile number → verify with OTP → your name will appear if your family is in the beneficiary list.
Login to Beneficiary Portal
onlineVisit beneficiary.nha.gov.in → log in with your Aadhaar-linked mobile OTP → search for your name using your Aadhaar number, PMJAY ID, or Family ID.
Complete e-KYC
onlineClick "Get Ayushman Card" → authenticate using Aadhaar OTP sent to your registered mobile number → confirm your biometric or OTP-based e-KYC to complete registration.
Download Ayushman Card
onlineAfter successful e-KYC, click "Download Card" → your Ayushman Bharat Card (PMJAY card) will be generated as a PDF — save it on your phone or print it.
Apply via Common Service Centre (offline)
offlineVisit your nearest CSC (Jan Seva Kendra) with your Aadhaar Card and Ration Card. The CSC operator will check eligibility and generate your Ayushman Card on the spot at no cost.
Use Card at Empanelled Hospital
online / offlineAt an empanelled hospital, show your Ayushman Card and Aadhaar Card at the PMJAY help desk. The hospital will verify your details and admit you for cashless treatment up to ₹5 lakh per year.
Frequently Asked Questions
Quick Summary
Related Schemes
Janani Suraksha Yojana (JSY)
Cash assistance of ₹1,400 (rural) or ₹1,000 (urban) per institutional delivery for BPL pregnant women in Low Performing States; ₹700 (rural) or ₹600 (urban) in High Performing States; up to 2 live births
Mahatma Jyotirao Phule Jan Arogya Yojana (MJPJAY)
Cashless treatment up to ₹1.5 lakh/family/year (extended to ₹2.5 lakh for critical conditions) at 5,248+ empanelled hospitals in Maharashtra; now merged with Ayushman Bharat for combined coverage up to ₹5 lakh for eligible families
Mission Indradhanush
Free vaccination with 12 life-saving vaccines for children under 2 years and pregnant women — protects against Tuberculosis, Diphtheria, Tetanus, Pertussis, Hepatitis B, Polio, Measles, Rubella, Japanese Encephalitis, Typhoid, Pneumonia, and Diarrhoea; conducted through special vaccination camps in underserved areas
Rashtriya Vayoshri Yojana (RVY)
Free assistive devices for senior citizens: walking sticks, elbow crutches, walkers, wheelchairs, hearing aids, spectacles, artificial dentures, tripods/quadpods — with 1-year free maintenance; for seniors 80+ years, devices delivered at doorstep
⚠️ Disclaimer: Information is compiled from official government sources for guidance purposes. Eligibility and benefits may vary. Always verify with the official portal or nearest government office before applying.
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