HEALTHCENTRAL VERIFIED 2025-03-28
Ayushman Bharat (PM-JAY)
₹5 lakh/year cashless hospital cover for ~55 crore beneficiaries from low-income families.
What it is
PM-JAY provides health cover up to ₹5 lakh per family per year for secondary and tertiary care hospitalisation at empanelled public and private hospitals.
Who qualifies
- 01Family listed in SECC-2011 deprivation database (rural) or occupational category (urban)
- 02Senior citizens aged 70+ regardless of income (since 2024)
- 03No upper cap on family size or age within listed family
Documents you'll need
- §Aadhaar card
- §Ration card
- §Ayushman card (issued post-verification)
Common reasons applications are rejected
- Family name absent from SECC list
- Aadhaar not seeded to ration card
- Hospital outside empanelled network
How to apply
- 01Visit pmjay.gov.in and create an account using your Aadhaar-linked mobile.
- 02Complete e-KYC and fill the application form with personal and bank details.
- 03Upload the documents listed above (scanned, under 2MB each, PDF or JPG).
- 04Submit and note the acknowledgement number for status tracking.