Financial Protection
Provides eligible families with health cover up to ₹5 lakh per family per year for covered hospitalisation, as defined by scheme rules.
Health Coverage Information
Ayushman Bharat
Pradhan Mantri Jan Arogya Yojana
Learn about PM-JAY, its health coverage benefits, eligibility checks and the steps you can take to seek treatment at an empanelled hospital.
₹5 Lakh
Annual health cover per eligible family under PM-JAY for covered secondary and tertiary hospitalisation, subject to scheme rules and eligibility.
Cashless treatment at participating empanelled hospitals for covered services.
About the Scheme
Healthcare support for eligible families
Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PM-JAY) is a Government of India health assurance scheme. Eligible beneficiaries can access covered hospital treatment through the scheme's participating hospital network.
Cashless Hospital Care
Eligible beneficiaries may receive covered treatment without paying the covered package amount upfront at an empanelled hospital.
Eligibility-Based Benefits
Benefits depend on the official beneficiary record, applicable scheme rules, approved package and hospital empanelment.
Key Benefits
What should beneficiaries know?
Coverage is subject to eligibility, package rules and confirmation by the scheme/hospital help desk.
Up to ₹5 Lakh
Annual family cover for eligible beneficiaries under PM-JAY.
Hospitalisation
Covered secondary and tertiary care hospitalisation packages are included under scheme rules.
Package-Based Care
Covered services and inclusions depend on the approved treatment package and scheme guidelines.
Hospital Network
Benefits are available through hospitals empanelled for the relevant scheme and treatment.
How to Proceed
Steps to check and use your benefits
Follow these steps before planning treatment under PM-JAY.
01
Check Eligibility
Use the official beneficiary portal or contact an authorised Ayushman help desk to check your beneficiary status.
02
Keep Documents Ready
Keep available identity and beneficiary details ready. The authorised help desk will confirm which documents are required.
03
Confirm Hospital
Confirm that the hospital is currently empanelled and that the required treatment/package is covered.
04
Ask for Verification
Before admission, ask the Ayushman desk to verify eligibility, pre-authorisation requirements and package coverage.
Before You Visit
Documents and information to keep handy
Document requirements can vary depending on beneficiary verification and the applicable state/scheme process. Please confirm the exact requirements with an authorised Ayushman help desk.
- Ayushman card or beneficiary identification details, if already available.
- Government-approved photo identity document as requested for verification.
- Registered mobile number and other details required to locate the beneficiary record.
- Doctor's advice, previous reports and relevant medical records for the proposed treatment.
Important verification checklist
- Confirm that the beneficiary is eligible in the official system.
- Confirm the hospital's current empanelment status.
- Ask whether the intended procedure is covered under an approved package.
- Ask whether pre-authorisation or any additional verification is required.
Please note: This page provides general information only and is not confirmation of eligibility or approval for a specific treatment.
Final decisions are made through the official scheme verification and authorisation process.
FAQs
Frequently asked questions
1. Who can use PM-JAY benefits?
People whose details are included in the applicable official beneficiary database and who meet the relevant scheme rules may be eligible. Check your status through the official portal or an authorised help desk.
2. Is the ₹5 lakh amount paid directly to the beneficiary?
No. It is a health cover limit for eligible, covered hospitalisation services under the scheme, not a cash payment to the family.
3. Can treatment be taken at any hospital?
Covered benefits are provided through participating empanelled hospitals, subject to the scheme rules and the hospital's ability to provide the required package.
4. Where can I check eligibility?
Use the official National Health Authority beneficiary portal or seek help from an authorised Ayushman help desk. Do not share OTPs or sensitive identity details with unauthorised persons.
5. Does this page confirm that this hospital is empanelled?
No. Please independently verify the hospital's current empanelment and the availability of the required treatment through the official scheme directory or help desk.
Need help understanding the process?
Check beneficiary eligibility on the official portal and confirm treatment coverage, documents and hospital empanelment before proceeding.
Scheme information may change. For current eligibility, benefits, package rules and official assistance, refer to the National Health Authority and the applicable state health agency.