Ayushman Bharat PM-JAY 2025 - World's Largest Health Insurance
Quick Summary
Ayushman Bharat PM-JAY duniya ki sabse badi health insurance scheme hai jo economically vulnerable families ko ₹5 lakh per family per year ka cashless treatment coverage deti hai empanelled hospitals mein.
Scheme Key Facts
Scheme Type:
Central Government Scheme
Ministry:
Ministry of Health & Family Welfare
Launched:
2018
Budget:
₹6,400 Crore annually
Beneficiaries:
50 Crore+ citizens
Table of Contents
Ayushman Bharat PM-JAY - World's Largest Health Insurance
Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) duniya ki sabse badi health insurance scheme hai jo September 2018 mein launch hui. Is scheme ka main objective hai economically vulnerable families ko quality healthcare provide karna without financial burden. India mein medical expenses ek major reason hai poverty ka - log apni life savings medical treatment mein khatam kar dete hain.
PM-JAY ke through 50 crore+ Indians (10 crore+ families) ko ₹5 lakh per family per year ka health insurance coverage milta hai. Ye coverage cashless hai matlab hospital mein koi payment nahi karni padti. Scheme mein 1,949 procedures covered hain including surgeries, medical treatments, diagnostics, medicines aur hospitalization charges.
Scheme fully paperless hai aur beneficiary identification Socio-Economic Caste Census (SECC) 2011 database se hoti hai. National Health Authority (NHA) is scheme ko implement karti hai. Till January 2025, 25 crore+ Ayushman Cards issued ho chuke hain aur 7 crore+ hospital admissions ho chuke hain.
₹5L
Per Family Coverage
Per Year
50Cr+
Beneficiaries
Covered
27K+
Empanelled
Hospitals
- ✓ Completely cashless treatment - No upfront payment
- ✓ Portable across India - Any state mein treatment le sakte ho
- ✓ Pre-existing diseases covered - Pehle se bimari hai to bhi covered
- ✓ No cap on family size - Chahe 10 members hon, sab covered
- ✓ Gender-neutral - Men, women, children sab equal coverage
Coverage Details - Kya Kya Covered Hai?
Ayushman Bharat mein medical care ki almost sab categories covered hain. Detailed breakdown:
✅ Covered Treatments & Procedures:
- Cardiac surgeries (Heart operations)
- Knee replacement surgery
- Cancer treatment (Chemotherapy, Radiotherapy)
- Neurological surgeries (Brain operations)
- Organ transplants (Kidney, Liver, Heart)
- Eye surgeries (Cataract, Retina)
- Orthopaedic surgeries (Bone/Joint)
- Gynaecological procedures
- COVID-19 treatment (ICU charges included)
- Dialysis (Kidney treatment)
- Diabetes management
- Tuberculosis (TB) treatment
- Maternity care & C-section delivery
- Newborn & infant care
- Mental illness treatment
- Burn treatment
📋 What's Included in Coverage:
- Pre-hospitalization: Hospital admit hone se 3 days pehle ka kharcha
- Hospitalization: Room charges, doctor fees, medicines, diagnostics
- Post-hospitalization: Discharge ke 15 days baad tak follow-up aur medicines
- Diagnostics: X-ray, MRI, CT Scan, Blood tests sab covered
- Medical consumables: Syringes, gloves, dressing materials
- Food charges: Hospital mein patient ka khana
- Complications: Surgery ke baad complications bhi covered
- ✗ OPD treatment (outdoor patient - jo admit nahi hote)
- ✗ Cosmetic procedures (beauty treatments)
- ✗ Drug rehabilitation (addiction treatment)
- ✗ Organ harvesting (illegal activities)
- ✗ Individual diagnostic tests (bina admission ke)
💰 Cost Savings Example:
| Procedure | Average Private Cost | Under Ayushman Bharat | Your Savings |
|---|---|---|---|
| Knee Replacement | ₹2,50,000 - ₹4,00,000 | ₹0 (Cashless) | ₹3,00,000 (avg) |
| Heart Surgery (Bypass) | ₹3,00,000 - ₹5,00,000 | ₹0 (Cashless) | ₹4,00,000 (avg) |
| Cancer Treatment (per cycle) | ₹50,000 - ₹1,00,000 | ₹0 (Cashless) | ₹75,000 (avg) |
| Normal Delivery | ₹25,000 - ₹50,000 | ₹0 (Cashless) | ₹35,000 (avg) |
Eligibility - Kaun Ayushman Card Ke Liye Eligible Hai?
Ayushman Bharat beneficiaries automatically SECC 2011 database se select kiye gaye hain. Agar aapka naam us list mein hai to aap eligible ho.
✅ Rural Area Eligibility Criteria (SECC 2011):
Automatic Inclusion: Following categories automatically eligible hain:
- Scheduled Caste (SC) / Scheduled Tribe (ST) households
- No adult member (only children, age 16-59)
- Female-headed household with no adult male
- Disabled member aur koi able-bodied adult nahi
- Landless manual labour families
- Primitive tribal groups
- Legally released bonded labour
✅ Urban Area Eligibility (11 Occupational Categories):
- Rag pickers (kabadiwala)
- Beggars (bhikhari)
- Domestic workers (kaam wali bai)
- Street vendors (footpath sellers)
- Construction workers (mazdoor)
- Plumbers, masons, painters
- Transport workers (drivers, conductors)
- Electricians, mechanics
- Washermen, tailors
- Shop workers (small shops)
- Security guards, sweepers
- • Income ka koi limit nahi hai - SECC list mein naam hona chahiye
- • Government employee families generally eligible nahi hain
- • Pucca house wale (with 2+ rooms) generally eligible nahi
- • Motorized vehicle (car/jeep) owners eligible nahi
[Remaining sections: Card Application, Hospital List, Treatment Process, Documents, FAQs, Expert Review - Complete 3000+ word content]
- ✓ Overview (250-300 words)
- ✓ Benefits & Features (300-400 words)
- ✓ Eligibility Criteria (250-300 words)
- ✓ Required Documents (200-250 words)
- ✓ Application Process (400-500 words)
- ✓ Status Tracking (200-250 words)
- ✓ Common Issues & Solutions (250-300 words)
- ✓ Tips for Success (200-250 words)
- ✓ 10 Custom FAQs (400-500 words)
- ✓ Expert Review (200-250 words)
- ✓ Sources & References
Target: 3000+ words per page
See PM Kisan page for complete content example (5244 words with all sections).
Note: Complete detailed content for this scheme is being prepared following the same comprehensive structure as PM Kisan Samman Nidhi page.