In the vast tapestry of India’s healthcare landscape, the Pradhan Mantri Jan Arogya Yojana (PMJAY), more commonly known as the Ayushman Bharat Yojana Scheme, stands as a beacon of hope for the underprivileged and vulnerable sections of society. An insurance initiative of monumental proportions, it aims to extend a lifeline during medical emergencies for those often sidelined by economic hardships. Delving into the scheme’s eligibility criteria, intricacies, and the path to application, this article offers a comprehensive guide to this transformative healthcare endeavor.

Ayushman Bharat Yojana Scheme: A Glimpse

At the heart of this transformative healthcare venture lies the Ayushman Bharat Yojana Scheme, or PMJAY, orchestrated by the Government of India. This flagship scheme is a poignant response to cater to the medical needs of the economically marginalized and vulnerable populations. Its core objective revolves around offering financial security during hospitalization for medical emergencies. Within the folds of this article, a comprehensive exploration awaits, shedding light on eligibility, scheme features, benefits, and the nuanced application process.

Unveiling Ayushman Bharat Yojana’s Essence

Elevated to the status of one of the world’s largest healthcare initiatives, the Ayushman Bharat Yojana targets a staggering 50 crore Indian citizens. This grand design has been meticulously crafted to uplift the economically weaker segments of society, ensuring their access to essential healthcare services. Launched in September 2018, the PMJAY provides a safety net with health insurance coverage, offering a substantial sum insured amount of up to Rs. 5 lakh.

The scheme’s comprehensive embrace extends to encompass various medical treatment expenses, diagnostics, pre-hospitalization costs, and medications. Adding a layer of convenience, the Ayushman Bharat Yojana e-card facilitates seamless cashless hospitalization services across a network of affiliated hospitals throughout the country. Holding this e-card, beneficiaries can access necessary medical treatment by presenting it during their hospital visit.

Abbreviated as AB PM-JAY, the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana reveals itself as a project under the health insurance category. Its origins trace back to Prime Minister Shri Narendra Modi’s initiative, surfacing under the Ministry of Health and Family Welfare’s wings. Launched on the 23rd of September 2018, this transformative journey has marked its presence with 21,40,17,608 Ayushman Cards issued and 4,23,59,252 hospital admissions as of December 21, 2022.

But, who qualifies for the Ayushman Bharat Yojana? The eligibility criteria are crafted with precision to encompass the economically weaker sections. The Socio-Economic Caste Census 2011 serves as the foundation, sorting rural and urban populations based on deprivation and occupational metrics. Through this well-structured mechanism, the initiative aims to benefit the most deserving sections of society.

The Coverage Canvas of Ayushman Bharat Yojana

Drawing the curtains on what falls under the purview of the Ayushman Bharat Yojana Scheme, this comprehensive healthcare shield encompasses hospitalization expenses up to Rs. 5 lakh per family annually. This financial safeguard extends to both secondary and tertiary hospitalization care. Beneath this canopy of healthcare protection, a plethora of services come to life:

1. Medical examination, consultation, and treatment.
2. Pre-hospitalization care.
3. Non-intensive and intensive care services.
4. Diagnostic and laboratory services.
5. Medicines and medical consumables.
6. Accommodation during treatment.
7. Medical implant services, whenever feasible.
8. Nutritious food services.
9. Coverage for complications arising during treatment.
10. Post-hospitalization expenses for up to 15 days.
11. Notably, the scheme also encompasses COVID-19 treatment.

The Mosaic of Ayushman Bharat Yojana Features

Within the intricate tapestry of the Ayushman Bharat Yojana Scheme lies a mosaic of features that distinguish it on the healthcare horizon:

1. Monumental Scale: Positioned as one of the globe’s largest government-funded health insurance schemes.
2. Generous Coverage: Extends up to Rs. 5 lakh per family per year for secondary and tertiary care.
3. All-Encompassing: Over 10 crore underprivileged and vulnerable families, approximately 50 crore beneficiaries, are eligible.
4. Age, Gender, and Family Size Neutrality: No restrictions based on these parameters.
5. National Network: Services can be availed across the nation in affiliated public and private hospitals.
6. Inclusive Approach: Covers pre-existing conditions from day one.
7. Comprehensive Services: Encompasses a diverse range of medical procedures, diagnostic services, room charges, physician and surgeon fees, supplies, ICU, and OT expenses.
8. Equitable Reimbursement: Reimbursement parity between public and private hospitals.

Advantages of the Ayushman Bharat Yojana Scheme

The Ayushman Bharat Yojana Scheme’s advantages shine brightly, making a tangible difference in the lives of the underprivileged and vulnerable:

1. Cashless Hospitalization: Provides a lifeline to beneficiaries during medical crises.
2. Accommodation Support: Includes accommodation during hospitalization.
3. Pre and Post-Hospitalization Coverage: Extends to pre and post-treatment expenses.
4. Inclusive Coverage: Encompasses complications arising during treatment.
5. Comprehensive Services: Addresses medical, diagnostic, and care aspects.
6. Family-Wide Accessibility: Benefits extended to all family members.
7. Pre-Existing Conditions: Covers pre-existing illnesses from the outset.

Unveiling the Enrolment Path

The Ayushman Bharat Yojana’s enrolment journey is marked by simplicity, catering to the scheme’s intended beneficiaries. Lacking a traditional enrolment process, the selection of beneficiaries is rooted in the Socio-Economic Caste Census 2011 (SECC 2011) and the Rashtriya Swasthya Bima Yojana (RSBY) plan. Potential beneficiaries can ascertain eligibility through a straightforward process:

1. Visit the PMJAY scheme’s dedicated website.
2. Click on the “Am I Eligible” section.
3. Enter contact details and generate an OTP for verification.
4. Select the state and search using various parameters.
5. Determine eligibility status.

For queries or guidance, beneficiaries can reach out to the Ayushman Bharat Yojana customer care helpline or contact Empanelled Health Care Providers (EHCP).

The Path to Ayushman Bharat Yojana Card

To unlock the potential of cashless transactions and seamless medical care, beneficiaries receive the Ayushman Bharat Yojana Golden Card. This card, an embodiment of the scheme’s promise, is essential for availing medical services. Obtaining this card involves a streamlined process:

1. Visit the PMJAY website and log in with your registered mobile number.
2. Generate an OTP after entering the Captcha code.
3. Choose the Household ID (HHD) code.
4. Provide the HHD code to the Common Service Centre (CSC).
5. Ayushman Mitra, the CSC representative, will guide you through the rest of the process.
6. A nominal fee of Rs.30 secures your Ayushman Bharat card.

As the journey concludes, the Ayushman Bharat Yojana Scheme stands as a potent instrument in the fight against COVID-19. The Insurance Regulatory and Development Authority of India (IRDAI) has mandated that health and general insurance companies extend coverage to COVID-19 hospitalization and treatment costs. For PMJAY beneficiaries, this means access to free COVID-19 treatment at affiliated hospitals.

Peering into the Future: PMJAY List 2023

For those seeking to confirm their eligibility, avenues await to check if their name is included in the PMJAY list for 2023. Multiple paths beckon:

1. Common Service Centre (CSC): A visit to the nearest CSC or affiliated hospitals can help ascertain eligibility.
2. Helpline Numbers: The PMJAY helpline numbers (14555 or 1800-111-565) provide assistance in verifying eligibility.
3. Online Inquiry: The official PMJAY website ( allows for online verification.

A Palette of Medical Packages

The spectrum of medical care under the Ayushman Bharat Yojana Scheme is vast, encompassing an array of specialities:

1. Cardiology
2. Oncology
3. Neurology
4. Paediatrics
5. Orthopaedics
6. COVID-19

It’s important to note that medical and surgical expenses aren’t simultaneously reimbursed. In cases of multiple surgeries, the highest-cost surgery takes precedence, with subsequent surgeries subject to reduced reimbursement.

The Ayushman Bharat Yojana Scheme: Hospitalization Process

For families and individuals navigating the maze of medical emergencies, PMJAY ensures that the hospitalization process is not only seamless but also financially viable. Beneficiaries admitted to affiliated public or private hospitals can rest assured of a 60:40 cost-sharing between the central and state governments. The cornerstone of this process is the Ayushman health card, a key to unlocking cashless treatment and hospitalization.

Exploring the Landscape: PMJAY Hospital List

To find hospitals participating in the Ayushman Bharat Yojana, beneficiaries can explore the comprehensive PMJAY hospital list:

1. Visit the official PMJAY website.
2. Select your state and district.
3. Choose the type of hospital (public/private-for-profit/private and not for profit).
4. Select the medical speciality of interest.
5. Enter the “Captcha Code” and initiate the search.

The Art of Compassionate Healthcare: PMJAY Toll-free Number and Address

For those seeking assistance or information, the PMJAY toll-free number and address stand as beacons of guidance:

Toll-Free Number: 14555 / 1800-111-565
Address: National Health Authority of India, 3rd, 7th and 9th Floor, Tower-L, Jeevan Bharati Building, Connaught Place, New Delhi – 110001

Navigating Challenges: The Grievance Portal

Recognizing that challenges may arise, the PMJAY Grievance Portal provides a space to voice concerns. Beneficiaries can register grievances and track their resolution status through this platform, ensuring that the transformative healthcare journey remains seamless.

How to File a Complaint or Grievance on the PMJAY Portal?

You can lodge a complaint or grievance online on the CGRMS portal of the PMJAY scheme:
In case you want to lodge a complaint offline, you can do so by:

Contacting the Ayushman Bharat scheme helpline centre operated by your State/NHA

Sending a letter, email, or fax to the official addresses of the SHA/NHA

Directly meeting the District Grievance Nodal Officer (DGNO) of your district where the complaints are formally processed. The DGNO will enter the contents of grievances received via offline mode in the portal.

For additional technical support related to the PM Jan Arogya Yojana, you can head to

How to File a Complaint or Grievance on the PMJAY Portal?

You can lodge a complaint or grievance online on the CGRMS portal of the PMJAY scheme:
In case you want to lodge a complaint offline, you can do so by:

Contacting the Ayushman Bharat scheme helpline centre operated by your State/NHA

Sending a letter, email, or fax to the official addresses of the SHA/NHA

Directly meeting the District Grievance Nodal Officer (DGNO) of your district where the complaints are formally processed. The DGNO will enter the contents of grievances received via offline mode in the portal.

For additional technical support related to the PM Jan Arogya Yojana, you can head to

To sum up, the exorbitant medical expenses have made having comprehensive health insurance the need of the hour. However, certain people cannot afford the Health Insurance Plans. The PM Jan Arogya Yojana programme is a measure to help underprivileged families tackle medical emergencies. In the end, health is an essential aspect of our lives. Hence, it should not be ignored, at any cost. Ayushman Bharat online registration can be done in order to get access to quality healthcare under this programme. Thus eventually, every citizen of our country will be able to lead a worry-free healthy life.

In Conclusion

As the canvas of India’s healthcare narrative evolves, the Ayushman Bharat Yojana Scheme (PMJAY) emerges as a brushstroke of hope and transformation. Guided by the principles of inclusivity, compassion, and accessibility, this scheme redefines healthcare for the economically marginalized and vulnerable. With its seamless enrolment process, comprehensive coverage, and commitment to cashless treatment, PMJAY weaves a tapestry of wellness across the nation.

In the intricate weave of Ayushman Bharat Yojana’s fabric lies a transformative force, igniting health equity and compassion. This healthcare symphony, orchestrated by the Government of India, resonates with the promise of accessible medical care for the underprivileged and vulnerable. As beneficiaries tread the path of eligibility verification and application, they unlock a realm where the Ayushman Bharat Yojana isn’t just a scheme—it’s a lifeline. In a world where healthcare remains a beacon of hope, PMJAY shines as a guiding star for those in need.

Frequently Asked Questions (FAQs) – Ayushman Bharat Yojana (PMJAY)

1. What is Ayushman Bharat Yojana (PMJAY)?
Ayushman Bharat Yojana, also known as Pradhan Mantri Jan Arogya Yojana (PMJAY), is a flagship health insurance scheme launched by the Government of India. It aims to provide financial protection against medical emergencies to the economically weaker sections, poor, and vulnerable population of the country.

2. Who is eligible for PMJAY?
scheme’s eligibility is determined based on the Socio-Economic Caste Census (SECC) 2011 for rural and urban areas. The bottom 40% of the poorest and economically weaker sections of society are eligible. Specific criteria include deprivation and occupational factors.

3. What medical expenses are covered under PMJAY?
PMJAY covers hospitalization expenses for secondary and tertiary care, including medical examination, consultation, treatment, pre-hospitalization, non-intensive and intensive care, diagnostics, medicines, accommodation, surgical procedures, and even COVID-19 treatment.

4. What medical expenses are not covered under PMJAY?
Exclusions include outpatient department (OPD) expenses, cosmetic surgeries, fertility treatments, individual diagnostics, organ transplants, and drug rehabilitation.

5. How do I check if I am eligible for PMJAY?
To check eligibility, visit the official PMJAY website ( and click on the “Am I Eligible” icon. Provide the required details to verify your eligibility status.

6. How can I apply for PMJAY?
There is no separate application process. Beneficiaries are selected based on SECC 2011 data and the Rashtriya Swasthya Bima Yojana (RSBY) plan. You can verify your eligibility on the PMJAY website.

7. How do I obtain the Ayushman Bharat Yojana Golden Card?
To obtain the PMJAY e-card (Golden Card), follow these steps:
– Visit the PMJAY website ( and log in with your registered mobile number.
– Enter the Captcha Code to generate the OTP.
– Opt for the HHD code and provide it to the Common Service Centre (CSC) for further processing.

8. Can I avail treatment at private hospitals under PMJAY?
Yes, PMJAY covers treatment at both public and private hospitals that are empanelled under the scheme.

9. Is there a limit on family size, age, or gender for PMJAY coverage?
No, PMJAY does not impose any restrictions on family size, age, or gender. All eligible members of the family can avail of the benefits.

10. How do I find PMJAY empanelled hospitals?
To find PMJAY empanelled hospitals, visit the PMJAY official website and navigate to the hospitals list section. Select your state, district, hospital type, and medical speciality to find the list of affiliated hospitals.

11. Is COVID-19 treatment covered under PMJAY?
Yes, PMJAY covers COVID-19 treatment and hospitalization costs. The scheme supports free treatment for COVID-19 patients at empanelled hospitals.

12. What should I do if I have a grievance related to PMJAY?
If you have a grievance, you can register it through the PMJAY Grievance Portal. You can also track the status of your grievance through the same platform.

13. Can I apply for PMJAY if I already have pre-existing conditions?
Yes, PMJAY covers pre-existing conditions from day one, making it inclusive for beneficiaries with existing health concerns.

14. How do I confirm my name on the PMJAY list for a specific year?
To verify your name on the PMJAY list for a specific year, you can visit the official website, contact a Common Service Centre (CSC), or use the helpline numbers provided.

15. Is there any cost associated with obtaining the Ayushman Bharat Yojana Golden Card?
Yes, a nominal fee of Rs.30 is required to obtain the Ayushman Bharat e-card.

16. Can I avail of multiple surgeries under PMJAY?
Yes, beneficiaries can avail of multiple surgeries. However, reimbursement follows a tiered approach, with the highest-cost surgery being fully covered, and subsequent surgeries receiving reduced reimbursement.

17. How does PMJAY ensure cashless treatment?
The Ayushman health card enables beneficiaries to access cashless treatment at empanelled hospitals. The scheme’s cost-sharing arrangement between the central and state governments ensures that beneficiaries don’t need to pay for treatments covered by PMJAY.

18. How often is the PMJAY list updated?
The PMJAY list is updated periodically based on new enrolments and changes in eligibility criteria. It’s advisable to check the official website or contact authorities for the most up-to-date information.

19. Is PMJAY available in all states of India?
Yes, PMJAY is a nationwide scheme available across all states and union territories of India.

20. How can I reach out for assistance or more information about PMJAY?
For assistance or information, you can use the PMJAY toll-free numbers (14555 or 1800-111-565) or refer to the official address provided on the PMJAY website.

Remember that the information provided in these FAQs is based on the knowledge. For the latest updates and detailed information, always refer to the official PMJAY website or contact authorized channels.


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