healthcareFeatured
Ayushman Bharat Pradhan Mantri Jan Arogya Yojana
PM-JAY
Ministry of Health & Family WelfareUpdated: 20 January 2026
About the Scheme
World's largest health insurance scheme covering Rs 5 lakh per family per year for secondary and tertiary care hospitalization
Benefits
Cashless treatment at over 27,000 empaneled hospitals across India, no cap on family size, covers 3 days pre-hospitalization and 15 days post-hospitalization
Eligibility Criteria
Families identified through SECC 2011 database, all NFSA ration card holders
Documents Required
Aadhaar card, ration card (NFSA), mobile number
Step-by-Step Application Process
1
Visit nearest empaneled hospital or CSC
2
check eligibility on pmjay.gov.in
3
verify with Aadhaar and ration card
4
get e-card issued
5
avail cashless treatment
Frequently Asked Questions
Are pre-existing diseases covered?
Yes, all pre-existing diseases are covered from day one of the policy
Can I use any hospital?
Only hospitals empaneled under PM-JAY can provide cashless treatment
What is the sum insured per family?
Rs 5 lakh per family per year, with no limit on family size