Ayushman Bharat Yojana (PMJAY)

Ayushman Bharat Yojana, also known as the Pradhan Mantri Jan Arogya Yojana (PMJAY), is a scheme that aims to help economically vulnerable Indians who are in need of healthcare facilities.

Prime Minister Narendra Modi rolled out this health insurance scheme on 23 September 2018 to cover about 50 crore citizens in india and already 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 have been admitted and over 10 crore e-cards have been issued.

Eligibility Criteria for Rural & Urban People

PMJAY Rural:

In the rural areas, the PMJAY health cover is available to:

  • 1) Those living in scheduled caste and scheduled tribe households
  • 2) Families with no male member aged 16 to 59 years
  • 3) Beggars and those surviving on alms
  • 4) Families with no individuals aged between 16 and 59 years
  • 5) Families having at least one physically challenged member and no able-bodied adult member
  • 6) Landless households who make a living by working as casual manual labourers
  • 7) Primitive tribal communities
  • 8) Legally released bonded labourers
  • 9) Families living in one-room makeshift houses with no proper walls or roof
  • 10) Manual scavenger families

PMJAY Urban:

In the urban areas, those who can avail of the government-sponsored scheme consist mainly of:

  • 1. Washerman / chowkidars
  • 2. Rag pickers
  • 3. Mechanics, electricians, repair workers
  • 4. Domestic help
  • 5. Sanitation workers, gardeners, sweepers
  • 6. Home-based artisans or handicraft workers, tailors
  • 7. Cobblers, hawkers and others providing services by working on streets or pavements
  • 8. Plumbers, masons, construction workers, porters, welders, painters and security guards
  • 9. Transport workers like drivers, conductors, helpers, cart or rickshaw pullers
  • 10. Assistants, peons in small establishments, delivery boys, shopkeepers and waiters

Key Features of PM-JAY:

  1. The world’s largest health insurance/ assurance scheme fully financed by the
  2. It provides cover of Rs. 5 lakhs per family per year, for secondary and tertiary care
    hospitalization across public and private empanelled hospitals in India.
  3. Coverage: Over 10.74 crore poor and vulnerable entitled families (approximately 50 crore
    beneficiaries) are eligible for these benefits.
  4. Provides cashless access to health care services for the beneficiary at the point of service

See official website-  https://www.pmjay.gov.in/