Not yet classifiedAYUSH
Ayushman Bharat Yojana (PM-JAY)
Provides cashless and paperless health insurance cover of up to ₹5 Lakh per family per year for secondary and tertiary care hospitalization to over 12 crore poor and vulnerable families.
NOTICE
This service is free. We will never ask for payment. If anyone offers to apply on your behalf for a fee, they are not us.
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Up to ₹₹5,00,000
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Apply on official portalOpens the official portal · We never charge
Official fee
₹0 — completely free
Generating Ayushman Card and seeking treatment under PM-JAY is 100% free at all empanelled hospitals. Do not pay any processing fee.
Beware of lookalike portals
Always verify your eligibility on official pmjay.gov.in dashboard. Avoid third-party websites demanding online payment to issue fake Ayushman cards.
Only the "Apply on official portal" button above leads to the verified government site.
Highlights and Media
Key Highlights
₹5 Lakh Cover per Family
Subsidized cover for secondary and tertiary care hospitalization in listed hospitals.
Cashless & Paperless Treatment
Direct settlement at empanelled public and private hospitals, with zero out-of-pocket expenses.
70+ Senior Citizen Top-up
Exclusive top-up of ₹5 Lakh for seniors aged 70 years and above, regardless of income.
Ayushman Bharat Coverage Limits
Comparison between standard family coverage and the senior citizen top-up scheme
Standard Family Cover
₹5 Lakh / FamilyCoverage shared among all family members registered under SECC/Ration Card. Standard limit per year.
Senior Citizen Cover (70+)
₹5 Lakh / Senior (Additional)Exclusive additional cover for seniors aged 70+. Not shared with other family members.
Who is eligible
- Eligible family categorized under SECC 2011 or senior citizen aged 70+.
Eligibility rules · v1 · effective 1 January 2020
Who is not eligible
- Scheme benefits are open to operating locations and individuals.
How to apply
Check Eligibility Online
Visit pmjay.gov.in or the nearest Ayushman Arogya Mandir to check if your family is listed under SECC 2011 or eligible senior citizens.
Typical duration · 1 day
Visit Empanelled Hospital
Carry your Aadhaar Card and Ration Card to the Ayushman Mitra counter at any empanelled public or private hospital.
Typical duration · 1 day
Obtain Ayushman Card
Complete biometric verification to generate your e-card. Use this card to get cashless treatment up to ₹5 Lakh.
Typical duration · 1 day
Sources
- National Health Authority, Ministry of Health and Family WelfareMINISTRY_PORTAL · Fetched 5 July 2026
Additional Details
Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) is a flagship national health insurance scheme launched by the Government of India. It is the world's largest government-funded healthcare program, aiming to provide health cover of up to ₹5 Lakh per family per year for secondary and tertiary care hospitalization.
AB PM-JAY offers cashless and paperless access to healthcare services for beneficiaries at empanelled public and private hospitals across India. The scheme covers up to 3 days of pre-hospitalization and 15 days of post-hospitalization expenses, including diagnostics, consultations, and medicines. There are no restrictions on family size, age, or gender.
In addition, the scheme has been expanded to cover all senior citizens aged 70 years and above with an exclusive card and an additional top-up cover of ₹5 Lakh, regardless of economic background.