Ayushman Bharat (PM-JAY) — Benefits, Eligibility & Apply Kaise Karein (2026)

Overview

Ayushman Bharat — Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) duniya ki sabse badi government-funded health-insurance scheme hai. Isme ₹5 lakh per family per year tak cashless aur paperless hospitalisation milti hai 27,000 se zyada empanelled public aur private hospitals mein. Budget 2024–25 ke announcement mein coverage 70 saal aur usse upar ke sabhi senior citizens tak badha di gayi, income ki koi limit nahi, Ayushman Vay Vandana scheme ke under.

Shuru: 2018 Kiske Liye: Gareeb aur vulnerable families (SECC/AB-PMJAY list ke hisaab se)

Key Benefits

• ₹5 lakh/family/year cover secondary aur tertiary hospitalisation ke liye — 1,949+ procedures.
• 27,000+ hospitals (public + private) mein cashless treatment.
• Pre-hospitalisation (3 din) aur post-hospitalisation (15 din) ke kharche bhi covered hain.
• Eligible SECC-listed families ke liye family size, age ya gender ki koi restriction nahi.
• 70+ senior citizens ko 2024 se Vay Vandana ke under universally cover kiya gaya hai.
• 100% Central + State governments se funded (zyaadatar states mein 60:40 share).

Eligibility

• SECC 2011 deprivation criteria (rural) aur 11 occupational categories (urban) mein listed families.
• 70+ ke sabhi senior citizens (SECC status ki koi condition nahi) — 2024 se.
• Eligibility beneficiary.nha.gov.in pe ya 14555 pe call karke check kar sakte ho.

Zaroori Documents

• Aadhaar (e-KYC ke liye mandatory)
• Ration card / family ID (agar verification ke liye use ho)
• OTP ke liye mobile number
• Koi ek address proof
• Senior citizens: Aadhaar jismein age 70+ dikhe

Apply Kaise Karein — Step by Step

1. beneficiary.nha.gov.in pe eligibility check karo — mobile + OTP + state enter karo.
2. Agar listed ho, toh portal ya Ayushman Bharat App se Ayushman Card download karo.
3. Senior citizens ke liye: Aadhaar use karke Vay Vandana ke under self-register karo.
4. Empanelled hospital mein apna Ayushman Card dikhao — hospital ka Arogya Mitra admission, treatment aur billing cashlessly handle karega.
5. Beneficiary se koi premium nahi liya jaata, kabhi bhi.

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