Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) — Complete Details (as of 2025)
- Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) — Complete Details (as of 2025)
- 1. Scheme Overview
- 2.Quick Summary / Highlights
- 3. Key Features & Coverage
- 4. Eligibility Criteria of AB-PMJAY
- 5. What’s Covered / What’s Not
- 6. How to Apply / Avail Benefits for AB-PMJAY
- 7. Recent Expansions & Key Updates (2024-25)
- 8. Benefits for Beneficiaries
- 9.How to Check Ayushman Bharat Hospital List Online?
- How to Download Ayushman Bharat Treatment Packages List?
- Helpline and Support
- Guidelines for Hospitals and Patients
- Latest Updates and Statistics (2024 – 2025)
- FAQ :-
The Government of India launched the world’s largest health insurance initiative, the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY), in 2018. By October 2025, more than 42.17 crore Ayushman Cards have been issued, and over 10.40 crore hospital treatments worth nearly ₹1.3 lakh crore have been provided. Offering free health insurance coverage of ₹5 lakh per family per year, PM-JAY stands as the world’s biggest government-funded healthcare scheme.
Since its inception, the Ayushman Bharat Yojana has enabled millions of families across India to access cashless hospital treatment. The government continues to expand the program each year to ensure that no poor or middle-income family suffers due to high medical expenses. Today, the scheme also includes citizens aged 70 and above, ASHA and Anganwadi workers, along with millions of underprivileged families. Moreover, the registration process has been fully digitized, making enrollment quick and convenient through online facilities.
1. Scheme Overview
- AB-PMJAY is a flagship health assurance scheme of the National Health Authority (NHA), under the Ministry of Health and Family Welfare (MoHFW), Government of India.
- It was launched on 23 September 2018.
- Objective: Provide cashless secondary and tertiary hospitalisation care to eligible families, thereby reducing out-of-pocket healthcare expenditure.
2.Quick Summary / Highlights
| Parameter | Detail |
|---|---|
| Name of scheme | Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) |
| Launch date | 23 Sep 2018 |
| Cover per family | ₹ 5 lakh/year |
| Eligibility | Poor/vulnerable families (as per SECC 2011 + state data) + senior citizens 70+ (from Sep 2024) |
| Hospitalisation type | Secondary & tertiary care (cashless at empanelled hospitals) |
| Pre-existing diseases | Covered from day one |
| OPD | Generally not covered |
3. Key Features & Coverage
- Cover amount: ₹ 5 lakh (INR 500,000) per eligible family per year for hospitalisation under secondary & tertiary care.
- Family floater basis: The cover applies to the entire family, not per person.
- No restriction on family size, age or gender for the scheme.
- Pre-existing diseases are covered from day one.
- Both public and empanelled private hospitals are covered. Treatment is cashless at these hospitals.
- Treatment is portable across India: beneficiaries can avail services in any state at an empanelled hospital.
- Pre-hospitalisation and post-hospitalisation expenses (for specified durations) are covered under many packages.
4. Eligibility Criteria of AB-PMJAY
- The primary eligibility list was based on the Socio-Economic and Caste Census (SECC) 2011 data (covering rural deprivation criteria & urban occupational criteria).
- The scheme has been expanded: For instance, as of 24 March 2025, about 36.9 crore “Ayushman cards” have been created.
- From September 2024, all senior citizens aged 70 years and above, irrespective of socio-economic status, are eligible for separate ₹5 lakh cover under PMJAY expansion.
- In March 2024, inclusion was extended to include about 37 lakh ASHAs, Anganwadi Workers/Helpers and their families.
5. What’s Covered / What’s Not
Covered:
- Hospitalisation (secondary & tertiary care) including surgeries, diagnostics, medicines, implants, etc.
- Empanelled hospital treatment cashlessly.
- Pre- and post-hospitalisation costs (depending on procedure).
- Benefits across many specialties (e.g., cardiology, oncology, orthopaedics).
Not Covered (or limitations):
- Routine OPD (Out-Patient Department) visits are generally not covered under PMJAY.
- Some exclusions such as purely cosmetic procedures, fertility treatments may not be included (depending on state/empanelled hospital).
6. How to Apply / Avail Benefits for AB-PMJAY
- Visit the official website of NHA / PMJAY (for example: “Am I Eligible” section) or go to the nearest empanelled hospital/kiosk.
- Steps typically: Enter mobile number → OTP verification → select state → check eligibility via ration card/SECC/Aadhaar etc.
- If eligible, an “Ayushman card” (or e-card) is generated, which can be used at empanelled hospitals.
- At hospital: beneficiaries should present the Ayushman card at the hospital which is empanelled under the scheme. No upfront payment for covered procedures.
- For detailed hospital list, package list etc, you can check the PMJAY portal or state health agency.
7. Recent Expansions & Key Updates (2024-25)
- On 11 Sep 2024, the Union Cabinet approved major expansion: all senior citizens aged 70+ will be covered under AB-PMJAY with top-up cover of ₹5 lakh per family/year.
- As of 24 Mar 2025: Over 36.9 crore Ayushman cards have been issued.
- The scheme now emphasises empanelment of more hospitals, improved hospital engagement modules (e.g. HEM 2.0) to streamline processes.
- State-level implementation progress: e.g., Delhi became the 35th State/UT to implement AB-PMJAY in April 2025.
8. Benefits for Beneficiaries
- Financial protection: By providing up to ₹5 lakh cover per family, it aims to protect poor and vulnerable families from catastrophic health expenditure.
- Access to quality care: Enables beneficiaries to choose from empanelled hospitals (public/private) across India.
- Cashless hospitalisation: Removes upfront financial burden for covered treatments.
- Inclusive cover: No age or gender limit for family members; pre-existing diseases are covered from day one.
9.How to Check Ayushman Bharat Hospital List Online?
Option 1: Through the Official PM-JAY Website
- Visit the official website:
🔗 https://hospitals.pmjay.gov.in - Click on “Find Hospitals.”
You’ll be redirected to the “Hospital Empanelment Search” page. - Choose your location:
- Select State and District.
- You can also choose your Hospital Type (Public or Private).
- Select specialty or hospital name (optional):
You may filter by:- Specialty (e.g., Cardiology, Orthopaedics, Oncology)
- Hospital Name (if you know it)
- Click on “Search.”
- ✅ A list of empanelled hospitals under the Ayushman Bharat PM-JAY scheme will appear — including:
- Hospital Name
- Address
- Type (Public/Private)
- Contact Details
- Specialties available
Option 2: Using the Ayushman Bharat App
- Download the “Ayushman Bharat (PM-JAY)” app from the Google Play Store or Apple App Store.
- Open the app → tap on “Hospitals”.
- Enter your State, District, or Hospital Name.
- View the list and details directly on your phone.
Option 3: Via State Health Agency Websites
Many states have their own PM-JAY portals (e.g., Rajasthan, Uttar Pradesh, Tamil Nadu).
You can search:
“PMJAY hospital list [Your State Name]”
and visit the official State Health Agency website for local updates.
How to Download Ayushman Bharat Treatment Packages List?
National Health Authority publishes a detailed list of all treatments covered under Ayushman Bharat, known as the Health Benefit Packages (HBP). This list includes package names, codes, and government-approved rates.
STEP 1: Visit the official National Health Authority website: nha.gov.in.
STEP 2: Go to the “Packages and Rates” section and click “See Health Benefit Packages“.
STEP 3: Download the latest HBP PDF file. It contains all procedures and rates.
STEP 4: Open the PDF and search for your treatment (e.g., “Dialysis”, “Heart Surgery”, “C-Section”) using the find option.
The package list covers about 1,500+ procedures, including all major treatments like kidney transplant, heart bypass, cancer therapy, maternity care, orthopedics, and ICU services. The rates are fixed, so hospitals can’t charge extra. You can check these details anytime to know what is included in your free coverage.
Helpline and Support
For any issue related to Ayushman Bharat Card or hospital treatment, you can call the official toll-free helpline 14555. It’s available 24×7 in multiple languages. Alternate numbers are 1800-111-565 and 1800-11-0770.
Guidelines for Hospitals and Patients
For Hospitals: All empanelled hospitals must provide cashless treatment to Ayushman beneficiaries. They cannot charge extra money for covered treatments. Hospitals must follow fixed package rates and upload treatment details online. Misuse or overcharging can lead to removal from the network.
For Patients: Always carry your Ayushman Card or Aadhaar when visiting the hospital. Visit only empanelled hospitals, and do not pay any amount for covered services. If a hospital denies treatment, immediately call 14555. Treatment under this scheme is completely free, including medicines, tests, ICU, and surgeries.
Latest Updates and Statistics (2024 – 2025)
Ayushman Bharat Yojana has grown fast in the last two years, making it truly a nationwide health protection program.
- New Coverage for Senior Citizens: From 2024, all citizens aged 70+ are eligible for an additional ₹5 lakh cover under the “Ayushman Vaya Vandana Card”.
- ASHA & Anganwadi Workers Included: Around 37 lakh families of front-line health workers added in 2024.
- Almost All India Covered: 35 of 36 states and UTs now implement PM-JAY; only West Bengal runs its own scheme.
- Families Covered: 15.1 crore families (over 80 crore people) have been included.
- Hospital Network: 32,000+ empanelled hospitals.
- Treatments Provided: Over 10 crore hospitalizations worth ₹1.4 lakh crore completed.
- Digital Integration: 94% cards linked with Aadhaar and more than 76 crore digital ABHA health IDs created.
- Union Budget 2025-26: ₹9,406 crore allocated for PM-JAY scheme.
Most beneficiaries (82%) belong to rural India, showing the success of the scheme in reaching the poorest households. Dialysis and maternity care remain among the top treatments availed by people under PM-JAY.
FAQ :-
1. What is Ayushman Bharat Yojana?
It’s a government health insurance scheme providing ₹5 lakh per family per year for free hospital treatment under secondary and tertiary care.
2. Who is eligible for PM-JAY?
Families identified in the SECC 2011 database, along with citizens above 70 years, ASHA and Anganwadi workers, and other economically weaker sections.
3. How can I check if I am eligible?
Visit 🔗 https://pmjay.gov.in → click on “Am I Eligible”, enter your mobile number or ration card/Aadhaar details, and verify via OTP.
4. What hospitals are covered?
Treatment is available cashlessly at empanelled government and private hospitals across India. Check at 🔗 https://hospitals.pmjay.gov.in.
5. Is OPD (Outpatient treatment) covered?
No. The scheme mainly covers hospitalization expenses, not routine OPD visits or checkups.
