PM-JAY (Pradhan Mantri Jan Arogya Yojana), also known as Ayushman Bharat PMJAY or the Ayushman Bharat Yojana, is one of India's largest Government Health Insurance Schemes launched under the Ayushman Bharat Health Scheme by the Government of India. Managed by the National Health Authority (NHA) under the Ministry of Health and Family Welfare, AB-PMJAY aims to provide affordable healthcare, financial protection, and cashless hospitalization access to economically eligible families across India.
The PMJAY Scheme provides up to ₹5 Lakh Health Insurance coverage per family annually for secondary healthcare and tertiary healthcare services at over 29,000 empanelled hospitals nationwide. Through this Health Coverage Scheme, eligible PMJAY Beneficiaries can receive cashless healthcare services at both public and private hospitals registered under the PMJAY Hospital List — making it one of the largest Government Health Insurance Schemes in the world.
Designed to strengthen Healthcare Access and Healthcare Coverage for over 55 crore beneficiaries across India, the Ayushman Bharat Scheme supports millions of families by reducing medical expenses, hospitalization costs, and treatment-related financial burden. PMJAY Registration enables citizens to access medical treatment, emergency medical care, diagnostic services, surgery coverage, and cashless hospitalization through a connected healthcare ecosystem built for inclusive and affordable healthcare delivery.
PM-JAY is transforming Healthcare Infrastructure in India by improving healthcare services, strengthening healthcare providers, and enabling better patient care through a large network of PMJAY Approved Hospitals and healthcare facilities across the country.
PM-JAY offers up to ₹5 Lakh health insurance coverage per eligible family every year.
PMJAY provides cashless treatment and cashless hospitalization at over 29,000 empanelled hospitals across India.
The Ayushman Bharat Scheme supports both public and private hospitals under one healthcare network.
PMJAY registration is free for eligible beneficiaries listed under SECC 2011 data.
PMJAY hospitals provide secondary and tertiary healthcare services nationwide.
The scheme focuses on affordable healthcare and healthcare access for low-income and BPL families.
PMJAY benefits include hospitalization coverage, diagnostic services, emergency medical care, surgery coverage, and post-hospitalization support.
Free health insurance initiatives like AB-PMJAY improve healthcare accessibility and financial protection for vulnerable populations.
| Category | Details |
| Scheme | PM-JAY / Ayushman Bharat PMJAY |
| Full Form | Pradhan Mantri Jan Arogya Yojana |
| Also Known As | AB-PMJAY / Jan Arogya Card Scheme |
| Managed By | National Health Authority (NHA) |
| Ministry | Ministry of Health and Family Welfare |
| Launched By | Government of India |
| Launch Year | September 2018 |
| Coverage Amount | ₹5 Lakh Health Insurance per family |
| Total Beneficiaries | 55+ Crore across India |
| Empanelled Hospitals | 29,000+ Hospitals Nationwide |
| Registration Fee | Free of Cost |
| Scheme Type | Government Health Insurance Scheme |
| Healthcare Access | Cashless Treatment / Cashless Hospitalization |
| Hospitals Covered | Public and Private Hospitals |
| Coverage Type | Family Health Coverage |
| Services Covered | Hospitalization, Diagnostic Services, Medical Treatment |
| Eligibility Basis | SECC 2011 Data |
| Healthcare Network | PMJAY Approved Hospitals & Empanelled Hospitals |
Pradhan Mantri Jan Arogya Yojana (PM-JAY) is a flagship Ayushman Bharat Health Insurance initiative designed to provide healthcare coverage and financial protection to economically vulnerable families across India. Since its launch in September 2018, it has become the world’s largest publicly funded health insurance program.
PMJAY enables beneficiaries to receive cashless treatment and hospitalization at empanelled hospitals without worrying about upfront expenses or claims.
Eligible families receive up to ₹5 lakh annual coverage for hospitalization, surgeries, diagnostics, emergency care, and critical illness treatment.
Access 29,000+ empanelled government and private hospitals across India, ensuring healthcare services are available nationwide.
PM-JAY reduces the burden of expensive treatments and protects low-income families from catastrophic healthcare expenses and medical debt.
PMJAY Eligibility and Ayushman Bharat Eligibility are primarily determined through the Socio Economic Caste Census (SECC 2011) database.
Urban families working in occupations such as construction workers, labourers, security guards, drivers, plumbers, electricians, sanitation workers, domestic workers, and street vendors may qualify for PMJAY Benefits under the Ayushman Bharat Scheme.
PMJAY Registration can be completed through authorized portals and healthcare facilities. Follow the steps below to apply and download your Ayushman Card easily.
Visit the Doctors App PMJAY Registration portal.
Verify PMJAY Eligibility using your mobile number or identification details.
Confirm beneficiary details from SECC 2011 records.
Complete identity verification process.
Access your Ayushman Card / PMJAY Card digitally.
Download your Ayushman Card instantly after successful registration.
Use your card at PMJAY approved hospitals for cashless treatment and hospitalization.
Receive treatment at empanelled hospitals without paying upfront hospitalization charges.
Covers pre, during, and post-hospitalization expenses including medicines and diagnostics.
Comprehensive healthcare coverage for the entire family under one scheme.
Access lab tests, ICU support, surgeries, and emergency care across network hospitals.
Protects families from high medical expenses and long-term healthcare debt.
Pradhan Mantri Jan Arogya Yojana (PM-JAY) is India's largest government-funded health insurance scheme, providing eligible families with cashless treatment benefits at empanelled hospitals across the country. Doctors App supports healthcare organizations in managing PM-JAY workflows efficiently, improving patient access to healthcare services while simplifying digital record management and operational processes.
Patients can access the PMJAY Hospital Search system to locate empanelled hospitals offering cashless treatment across India. With 29,000+ approved hospitals, the network ensures healthcare access in both urban and rural areas.
Easily find PMJAY approved hospitals near you and access cashless healthcare services anytime.
PM-JAY provides hospitalization coverage for a wide range of medical conditions and healthcare services across empanelled hospitals nationwide.
Cancer Treatment
Coronary Bypass Surgery
Knee Replacement
Cardiac Procedures
Neurosurgery
Emergency Care
ICU Services
Diagnostic Services
Surgical Procedures
Tertiary Treatments
Secondary Healthcare
Eligible beneficiaries can receive cashless treatment at government healthcare facilities covering secondary and tertiary healthcare services.
Access quality private healthcare services under PMJAY without financial burden at approved private hospitals.
Get diagnostic services, imaging, and lab testing at empanelled healthcare facilities without upfront cost.
Receive urgent medical treatment and emergency hospitalization at network hospitals across India.
Access preventive and primary healthcare services through Health and Wellness Centers under Ayushman Bharat.
