Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana (PM-JAY)

World's largest government-funded health assurance scheme providing ₹5,00,000 cashless cover per family per year.

Ministry: Ministry of Health and Family Welfare (National Health Authority (NHA))

Verified Government GatewayDomain: beneficiary.nha.gov.in

Apply Directly on the Official Portal

Clicking the button below will open the authorized Government of India / State portal for PM-JAY in a new tab. Never submit personal documents or pay fees on unverified third-party websites.

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Scheme Overview

Ayushman Bharat PM-JAY is the flagship public health initiative of the Government of India designed to achieve Universal Health Coverage (UHC). It provides a health cover of ₹5 Lakh per eligible family per year for secondary and tertiary care hospitalization across more than 27,000 empaneled public and private hospitals across India. In late 2024, coverage was extended to include all senior citizens aged 70 and above, regardless of family income.

Target Beneficiaries

SECC identified bottom 40% vulnerable families and all seniors aged 70+

Assistance / Benefit Type

Cashless Health Insurance

Key Benefits & Financial Assistance

₹5,00,000 annual cashless and paperless health insurance cover per family on a family floater basis.
Covers up to 3 days of pre-hospitalization and 15 days of post-hospitalization diagnostic tests and medicine expenses.
No restriction on family size, age, or gender; pre-existing conditions covered from Day 1.
Cashless access across 30,000+ empanelled government and top private hospitals nationwide.
Separate ₹5 Lakh top-up cover for every senior citizen aged 70 years and above under the expanded Ayushman Vay Vandana card.

Eligibility Criteria

Ensure you satisfy all the following government conditions before applying:

1Households identified in the Socio-Economic Caste Census (SECC 2011) rural (D1 to D7 deprivation criteria) and urban occupational categories.
2Active beneficiaries enrolled under the National Food Security Act (NFSA) / Ration Card databases linked by participating States.
3All Indian citizens aged 70 years and above, irrespective of socioeconomic bracket (under Ayushman Vay Vandana enrollment).
4Must not already be covered under government schemes like CGHS, ECHS, or ESIC (seniors may choose between CGHS/ECHS or PM-JAY).

Documents Required Checklist

Keep clear digital scanned copies (PDF or JPG under 200 KB) ready:

Aadhaar Card (mandatory for identity and e-KYC)

Ration Card or State Family ID (Pariwar Pehchan Patra / Samagra ID)

Active Mobile number linked to Aadhaar for OTP verification

Birth certificate or valid Age Proof (for Senior Citizen 70+ category)

How to Apply (Official Process)

Visit NHA Beneficiary Portal

Open the official National Health Authority Beneficiary portal at beneficiary.nha.gov.in or download the Ayushman App from Google Play Store.

Login with Mobile Number

Select 'Beneficiary' role, enter your 10-digit mobile number, and authenticate with the received OTP.

Search Beneficiary Details

Select your State, Scheme (PMJAY), District, and Search By option (Aadhaar Number, Ration Card ID, PMJAY Family ID, or Location).

Perform e-KYC

If your status displays 'Unverified', click 'Do e-KYC'. Authenticate using Aadhaar OTP, Iris scan, or Fingerprint. Upload a live photograph.

Download Ayushman Card (Golden Card)

Once e-KYC is approved, click the 'Download Card' icon. Save the high-resolution Ayushman Golden Card with your unique ABHA/PMJAY ID.

Proceed to Official Registration Portal

Frequently Asked Questions about PM-JAY

Can I use the Ayushman Bharat card in private hospitals?

Yes, Ayushman Bharat card is accepted at all empanelled private and government hospitals across India. You can look up the list of empanelled hospitals on the PM-JAY portal or call 14555.

Is there any premium or application fee payable?

No. Ayushman Bharat PM-JAY is 100% free. Creation of the Ayushman card and all treatments, surgeries, medications, and diagnostics in hospital are completely cashless.

Are senior citizens above 70 eligible even if their children pay income tax?

Yes! Under the new 2024 expansion, every Indian citizen aged 70 and above is eligible on an individual basis for ₹5 Lakh cover, regardless of family income or tax status.