Government scheme · Eligible low-income families
Ayushman Bharat – PM Jan Arogya Yojana (PM-JAY)
Ayushman Bharat PM-JAY is the world’s largest government-funded health assurance scheme. It covers hospitalisation for eligible families at public and empanelled private hospitals across India, with no cost to the family.
Visit official websiteWho can apply
- Families identified under the scheme’s deprivation and occupational criteria, plus groups added by the government and states
- No limit on family size or age
Key features
- Cover of up to ₹5 lakh per family per year
- Cashless and paperless treatment at empanelled hospitals
- Pre-existing conditions covered from day one
- Covers pre- and post-hospitalisation expenses
How to apply
- Check your eligibility on the official beneficiary portal or the Ayushman app
- Get your Ayushman card through the app, portal, a Common Service Centre or an empanelled hospital
Want wider cover for your family?
Add a health insurance policy from Care Health Insurance through the Bachatt app, and manage your policy and claims in one place.
Frequently asked questions
Is there any premium for PM-JAY?+
No. PM-JAY is fully funded by the government; eligible families pay nothing.
More government insurance schemes
Ayushman Vay VandanaSenior citizens 70+PMJJBYAges 18–50 with a bank accountPMSBYAges 18–70 with a bank account
See all government insurance schemes This page is for information only. Bachatt is not affiliated with this scheme; the scheme name belongs to the Government of India and its agencies. Limits, rates and eligibility change from time to time — always check the official website before you apply.