The Central Government is running a major healthcare scheme that provides free medical treatment worth up to ₹5 lakh every year to eligible citizens. This scheme has become a lifesaver for millions of families who cannot afford expensive hospital bills.

What Is Ayushman Bharat – PM Jan Arogya Yojana?

Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the world’s largest government-funded health insurance scheme. Under this policy, eligible families receive cashless treatment at government and empanelled private hospitals across India.

Key Benefits of the Scheme

• Health cover up to ₹5 lakh per family per year

• Covers hospitalisation, surgery, medicines, and diagnostics

• Cashless treatment at over 25,000 hospitals

• No restriction on age or family size

• Pre-existing diseases are covered from day one

Who Is Eligible?

Eligibility is based on the Socio-Economic Caste Census (SECC) data. The scheme mainly covers:

• Economically weaker families

• Rural households with no earning adult

• Urban workers such as drivers, vendors, domestic workers, and labourers

How to Check Eligibility

You can check your eligibility:

• On the official PM-JAY website

• By visiting the nearest Common Service Centre (CSC)

• Through the Ayushman Bharat helpline number

How to Get an Ayushman Card

If eligible, you can apply for an Ayushman card, which is required to avail benefits under the scheme. The card can be generated online or at CSC centres using Aadhaar or other ID proofs.

Why This Scheme Is Important

With rising healthcare costs, Ayushman Bharat ensures that poor and middle-class families are not pushed into debt due to medical emergencies. The scheme has already helped millions receive free treatment across the country.