What this scheme offers
PM-JAY covers secondary and tertiary hospitalisation — including surgeries and treatment for serious conditions such as cancer and cardiac care — at empanelled government and private hospitals, with no cash payment at the point of treatment. Cover applies per family, with no cap on family size or age.
Who is eligible
- Families identified in the government's socio-economic beneficiary database for their state.
- All citizens aged 70 and above qualify separately, regardless of income category, and receive an Ayushman Vay Vandana Card.
- Certain frontline health workers (ASHA workers, Anganwadi workers and helpers) are covered under related provisions in several states.
Note: beneficiaries already covered under CGHS or ECHS can choose to continue their existing scheme or switch to PM-JAY, but cannot use both simultaneously.
Documents required
- Aadhaar card
- Ration card or family ID, where applicable
- Mobile number for e-KYC (face authentication or OTP)
How to apply / check eligibility
- Download the official "Ayushman App" or visit pmjay.gov.in.
- Log in as a Beneficiary and search using your State, District and Aadhaar or Family ID.
- If your name appears in the beneficiary list, complete e-KYC using face authentication or OTP.
- Once verified, your Ayushman card is generated — there is no fee for this.
- Present the card at any empanelled hospital for cashless treatment.