What this scheme offers
Ayushman Bharat PM-JAY's coverage is based on SECC (Socio-Economic Caste Census) data, which inevitably leaves out some families who are genuinely in need but don't show up on that particular list — a mismatch that's common enough across India that several states have built their own top-up schemes to close it. Uttarakhand's approach, launched 25 December 2018, was to extend the exact same ₹5 lakh benefit package and hospital network to every permanent resident family in the state, regardless of SECC status. The effect was substantial: covered families rose from around 5 lakh under PM-JAY alone to roughly 22.5 lakh once AAUY filled the gap, with over 1,350 disease types covered across government hospitals, AIIMS, and private hospitals accessed via referral (or directly in emergencies).
Who is eligible
- Permanent resident family of Uttarakhand — no SECC or income-based restriction.
- Treatment sought for a condition listed among the scheme's 1,350+ covered procedures.
Documents required
- Aadhaar card
- Residential proof (Uttarakhand domicile)
- Ration card, where used for verification
How to apply
- Register at a Common Service Centre (CSC), hospital, or community service centre to get your Ayushman/AAUY card.
- For treatment, visit a government hospital, AIIMS, or a private hospital your government hospital has referred you to.
- In emergencies, empanelled private hospitals can treat you directly without a referral.
- An Arogya Mitra at the hospital can guide you through registration and the cashless treatment process.
- Call the toll-free helpline 104 for questions or assistance with the scheme.