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Pradhan Mantri Jan Arogya Yojana (PMJAY)

pradhan mantri jan arogya yojana

What is Pradhan Mantri Jan Arogya Yojana (PMJAY)?

Ayushman Bharat Yojana, also known as the Pradhan Mantri Jan Arogya Yojana (PMJAY), is a strategy that aims to assist economically vulnerable Indians who have need of health centers.

Prime Minister Narendra Modi rolled out this health insurance scheme on 23 September 2018 to pay about 50 crore citizens in India and currently has several success stories to its credit. As of September 2019, it was reported that 18,059 hospitals have been empanelled, over 4,406,461 lakh beneficiaries are admitted and over 10 crore e-cards have been issued.

The Ayushman Bharat Yojana - National Health Protection Scheme, which has now been renamed since Pradhan Mantri Jan Arogya Yojana, plans to create secondary and tertiary healthcare completely cashless. Even the PM Jan Arogya Yojana lien has an e-card that can be employed to avail services at an empanelled hospital, public or private, anywhere in the country. Using it, you can walk into a hospital and also obtain cashless treatment.

The policy includes 3 days of pre-hospitalization and 15 times of post-hospitalisation expenses. Additionally, around 1,400 processes together with related costs like OT expenses are taken care of. In general, PMJAY as well as the e-card offer a policy of Rs. 5 lakh per household, per year, thereby helping to economically disadvantaged get easy access to health care services.

PMJAY Health Cover/ Eligibility criteria

The PMJAY scheme aims to Give health care to 10 crore households, who are mostly Weak and have lower middle income, via a medical insurance scheme providing A cover of Rs. 5 lakh for each family. The 10 crore families comprise 8 crore Households in rural areas and 2.33 crore households in urban places. Broken to Smaller units, this means that the scheme will aim to appeal to 50 crore individual beneficiaries.

However, the strategy has specific pre existing conditions in which it picks that can avail Of the health pay benefit. Whilst in the rural areas the listing is mostly categorized On insufficient home, meagre income, and other deprivations, the metropolitan collection of PMJAY beneficiaries is drawn up on the basis of job.

PMJAY Rural:

The 71st round of the National Sample Survey Organization reveals that a staggering 85.9% of families in rural areas are unable to obtain insurance or health care guarantee. In addition, 24% of households have access to health facilities on credit. PMJAY's mission is to help the sector avoid debt loopholes and access services by providing annual assistance of up to Rs. 5 lakh per family. The program will assist economically poor families according to the data in the Socio-Economic Caste Census 2011. Again, families registered under Rashtriya Swasthya Bima Yojana (RSBY) will be under the care of Prime Minister Jan Arogya Yojana.

In rural areas, PMJAY health coverage is available at:

1) Those living in organized families and tribal families

2) Households without male members aged 16 to 59 years

3) Intercessors and survivors with gifts of kindness

4) Households without people between the ages of 16 and 59

5) Families with at least one member with a physical disability and no adult organs

6) Landless families make a living by working as manual laborers

7) Ancient tribal societies

8) Arrested employees who are legally bound

9) Families living in one-room apartments with no walls and a suitable roof

10) Families eating livestock on their heads

PMJAY Urban:

According to the National Sample Survey Organization (71st round), 82% of urban families have no insurance or guarantee. In addition, 18% of Indians in urban areas face the cost of health care by borrowing money in some way. Pradhan Mantri Jan Arogya Yojana is helping these families access health care by donating up to Rs. 5 lakh per family, per year. PMJAY will benefit the families of urban workers in the existing labor sector as per the Socio-Economic Caste Census 2011. In addition, any family registered under Rashtriya Swasthaya Bima Yojana will also benefit Prime Minister Jan Arogya Yojana.

In urban areas, those who can benefit from this government-funded program are:

1. Detective/chowkidars

2. Collectors of clothes

3. Mechanical engineers, electricians, maintenance workers

4. Home-based care

5. Sanitation workers, gardeners, sweepers

6. Craftsmen or artisans, tailors

7. Cobblers, dealers, and other service providers working on the roads or roads

8. Plumbers, stonemasons, construction workers, carriers, welders, painters, and security guards

9. Transport workers such as drivers, conductors, helpers, operators, assistants, trailers, or rickshaws

10. Assistants, small staff, delivery boys, shopkeepers, and waiters

People who are not entitled to Health Cover under Pradhan Mantri Jan Arogya Yojana:

1. Those who own two, three, or four-wheeler vehicle or a motorized vehicle

2. Those with mechanized farming equipment

3. Those with Kisan cards with a credit limit of Rs.50000

4. Government employees

5. Those who work in non-state-owned agricultural enterprises

6. Those earning a monthly income of more than $ 100

7. Those in charge of refrigerators and wiring harnesses

8. Those with decent, sturdy housing

9. Those who own 5 hectares or more of agricultural land

Ayushman Bharat Scheme Medical and Medical Packages (PMJAY)

Rs. 5 lakh insurance offered by the Pradhan Mantri Jan Arogya program can be used not only by individuals but also by families. This lump sum is sufficient to cover both 25 specialized medical and surgical procedures including cardiology, neurosurgery, oncology, paediatrics, orthopedics, etc. However, medical and surgical expenses cannot be reimbursed simultaneously.

If more surgery is required, the highest cost is paid first followed by a 50% discount on the second and a 25% discount on the third. Unlike other health insurance schemes, there is no time to wait for existing diseases under the PMJAY program, which falls under the great umbrella program of Ayushman Bharat Yojana. In the event that any beneficiary or another member of his or her family needs sleep, he or she does not have to pay anything, as long as he or she is admitted to any state or private hospital.

Non-monetary treatment and revenues were made possible as a result of a 60:40 cost-sharing agreement between the Institute and the provinces. Once you have been identified as a personal beneficiary, you or your family member will be issued a health card by a specially trained Ayushman Mitras, who works in hospital cells for those who do not know about the PMJAY program.

With this information in hand, you can benefit from the features of Pradhan Mantri Jan Awas Yojana or help someone else benefit from the health cover.

PMJAY Disease Prevention: List of Dangerous Diseases covered under Prime Minister Jan Arogya Yojana

PMJAY assists households with access to secondary and tertiary care through the funding of up to Rs. 5 lakh per family, per year. This aid works with daycare procedures and applies even in existing conditions. PMJAY expands the distribution of more than 1,350 medical packages to public and private hospitals.

Some of the serious diseases included are as follows:

• Prostate cancer

• Coronary artery bypass graft

• Double valve installation

• Carotid angioplasty with stent

• Lung valve replacement

• Skull surgery

• Laryngopharyngectomy with gastric extract

• Previous spinal adjustment

• Stretching of deformed tissue following burns

PMJAY has a small list of releases. They are next.


• Drug rehabilitation program

• Cosmetic-related procedures

• Interest-related procedures

• Body transplants

Individual diagnosis (test)

Ayushman Bharat Registration: How to Apply Ayushman Bharat Yojana (Application Process)

There is no special Ayushman Bharat registration process related to PMJAY. This is because PMJAY applies to all beneficiaries as identified by SECC 2011 and those who are already part of the RSBY program. However, here is how you can determine if you are eligible to be a PMJAY beneficiary.

• Visit and click on 'I am eligible'

• Enter your mobile number and CAPTCHA code and click on ‘Generate OTP’

• Then select your country and search by name / HHD number/share card number / mobile number

• Depending on the search results you can ensure that your family is covered under PMJAY

Alternatively, to find out if you qualify for PMJAY you can contact any Authorized Health Care Provider (EHCP) or call the Ayushman Bharat Yojana Call Center: 14555 or 1800-111-565

Ayushman Bharat Yojana: PMJAY Patient Card Generation

Once you qualify for PMJAY benefits, you can work on getting an e-card. Prior to the issuance of this card, your identity is verified in the PMJAY store with the help of a document such as your Aadhaar card or assignment card.

Proof of family identification that can be produced includes a certified government list of members, a letter from the PM, and an RSBY card. Once verification is complete, the e-card is printed with a unique AB-PMJAY ID. You can use this as evidence anytime in the future.

How to Check Out AB-PMJAY Hospital List

As of September 2018, a significant number of hospitals across the country have been empowered under the PMJAY program. Currently, more than 15 000 hospitals form part of the government's health subsidy scheme, of which 50% are private hospitals.

You can get a list of these powerful hospitals by following the steps given below:

Visit the link provided below:

Choose your region and region

Choose the type of hospital you want (public, private and commercial, or private and not for profit)

Choose the type of medical guide you need

Enter the captcha code

Click on search

The program will provide a list of PMJAY-equipped hospitals with the appropriate addresses, contact details, and official website. You can also click Ayushman Bharat Hospital List to learn more about the talented hospitals under the PMJAY program.

Steps to Test Your Name on AB-PMJAY 2020 list

Checking your name on the AB-PMJAY 2020 list is very easy. There are three different ways to do this.

Visit the Common Service Center (CSC): You can visit the nearest CSC or any skilled hospital to check if you are eligible for the PMJAY program or not.

Contact Helpline: The PMJAY app lets you check your eligibility by calling the helpline 14555 or 1800-111-565.

Visit the PMJAY website: By visiting the official PMJAY website (, you can check your eligibility for the program.

About Ayushman Bharat Yojana Card

PMJAY beneficiaries can receive free financial assistance without any dynamic hospital using the Ayushman Bharat Yojana card. Beneficiaries are given a card at the time of registration. This card contains all your required information and you are required to provide it when you receive medical treatment under the plan.

To get the Ayushman Bharat Yojana Card, follow the steps below:

Visit the official PMJAY website

Sign in with your registered contact number

Enter the captcha code and generate an OTP (One-Time-Password)

Select HHD code

Provide the correct HHD code to the Common Service Center (CSC)

They will review and verify the information provided

The CSC representative (also known as Ayushman Mitra) will complete the remaining process

You will have to pay INR 30 to get the Ayushman Bharat Yojana Card

How to download your Ayushman Bharat Yojana Card Online?

It is important to apply for an Ayushman card as it has a dedicated family ID number. AB-NHPM is offered to all beneficiary families. Below are steps you can take to use or download your Ayushman card online-

• First, visit the official Ayushman Bharat Yojana website

• Now sign in with your email id and create a password

• Enter your Aadhar number to continue

• Click the approved beneficiary option

• It will be referred to their help center

• Now enter your password in the CSC and PIN number

• It will be redirected to the home page

• You will see a download option where you can download your Ayushman Bharat gold card 

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