Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana (AB-PMJAY)

Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) is the world's largest government-funded health assurance scheme. It provides a health cover of ₹5,00,000 per family per year for secondary and tertiary hospitalization care across a nationwide network of empanelled public and private hospitals. Treatment is completely cashless and paperless. In 2024, the scheme expanded to provide health coverage to all senior citizens aged 70 and above, regardless of income.

• Cashless inpatient hospital treatment up to ₹5 lakh per family per year.
• Universal ₹5 lakh top-up health cover for all senior citizens aged 70 years and above.
• Covers 3 days of pre-hospitalization and 15 days of post-hospitalization expenses, diagnostic tests, and medications.
• No restrictions on family size, age, or gender; pre-existing health conditions covered from day one.
• Pan-India portability allowing treatment at any empanelled hospital across India.

• Families categorized under deprivation and occupational criteria of Socio-Economic Caste Census (SECC) 2011.
• All Indian senior citizens aged 70 years and above (irrespective of socio-economic status) under the Ayushman Vaya Vandana initiative.
• Active NFSA ration card holders in participating state schemes.

• Aadhaar Card (with biometric / OTP linking)
• Ration Card or proof of family composition
• Active Mobile Number
• Age proof document for senior citizens (Aadhaar as primary verifier)

1. 1Visit the National Health Authority Beneficiary portal (beneficiary.nha.gov.in).
2. 2Log in using your active mobile number and enter the received OTP.
3. 3Search for your family record by Scheme (PMJAY), State, Sub-scheme, and identifier (Aadhaar Number, Family ID, or Ration Card number).
4. 4Complete online eKYC using Aadhaar OTP or facial recognition on the Ayushman App.
5. 5Upon instant online verification, download your personalized digital Ayushman Card / Ayushman Vaya Vandana Card (PVC card available at CSC).

Rules, benefit amounts and eligibility criteria can change over time. Always confirm current details on the official government portal before applying or making decisions based on this information.

You can check your application, payment, or beneficiary status on the official portal.