Everything you need to know – eligibility, documents, hospitals, and latest updates for 2025
What is Ayushman Bharat PM-JAY?
The Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the world’s largest government-funded health insurance scheme, offering ₹5 lakh free treatment per family per year for secondary and tertiary care hospitalization.
Launched by the Government of India, it covers over 50 crore Indians—targeted especially at poor and vulnerable families.
🎯 Key Benefits at a Glance
| Feature | Details |
|---|---|
| 💰 Free Health Coverage | ₹5,00,000 per family per year |
| 👨👩👧👦 Family Coverage | Entire family covered (no age or gender limit) |
| 🏥 Cashless & Paperless | Treatment at empanelled hospitals without paying anything upfront |
| 📍 Wide Network | Over 25,000 empanelled government & private hospitals |
| 📅 Validity | Renewable annually |
Who is Eligible for PM-JAY?
Automatically eligible if you’re listed in:
- Socio-Economic Caste Census (SECC) 2011 data for rural/urban poor.
- Registered under National Food Security Act (NFSA) / Ration Card.
- Construction workers, sanitation workers, ASHA workers, transgenders, etc.
Check if you’re eligible:
👉 Visit: https://pmjay.gov.in/
- Click on “Am I Eligible”
- Enter your mobile number and OTP
- Search using your ration card, Aadhaar, or name
Documents Required
To claim benefits, you’ll usually need:
- Aadhaar card
- Ration card or NFSA card
- PM-JAY e-card (can be generated at hospital or Common Service Center)
- Mobile number linked to Aadhaar
Where Can You Get Treatment?
You can visit any empanelled hospital under PM-JAY, including both government and private hospitals.
How to Find a PM-JAY Hospital Near You:
👉 Use this official search link: https://hospitals.pmjay.gov.in/
How to Use PM-JAY Benefits at Hospital
Step-by-Step Claim Process:
- Go to any empanelled hospital
- Show Aadhaar, ration card, or PM-JAY card
- Hospital verifies via Ayushman Bharat software
- Get admitted & receive cashless treatment
- No payment needed – the government directly settles bills
What’s New in 2025?
- Self-registration portal for people not on SECC list but eligible through other welfare schemes
- Mobile e-card via ABHA App
- Plans to extend Ayushman Bharat to all senior citizens above 70 in 2025 (under proposal stage)
Final Thoughts – Don’t Let ₹5 Lakh Go Unused
Ayushman Bharat PM-JAY can literally save lives and financial futures — especially for India’s poor and middle-class families.
Whether it’s a heart surgery or a critical illness, don’t wait until it’s too late.
✅ Check your eligibility today
✅ Tell your relatives & neighbors — simplify their life!