Ayushman Bharat PM-JAY 2026 – Eligibility, Benefits, Coverage & Card Details Ayushman Bharat PM-JAY 2026 – Eligibility, Benefits, Coverage & Card Details Ayushman Bharat PM-JAY 2026 – Eligibility, Benefits, Coverage & Card Details

Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) 2026

Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) is a government-funded health assurance scheme that provides eligible beneficiaries with cashless health coverage for specified secondary and tertiary hospitalization. The scheme is designed to reduce the financial burden of major medical treatment on eligible families.

What is Ayushman Bharat PM-JAY?

Ayushman Bharat PM-JAY provides health coverage of up to ₹5 lakh per eligible family per year for covered hospitalization services. Beneficiaries can receive treatment through empanelled public and private hospitals, subject to the applicable package and scheme conditions.

Ayushman Bharat PM-JAY Benefits

• Health coverage of up to ₹5 lakh per eligible family per year.
• Cashless access to covered treatment at empanelled hospitals.
• Coverage for specified secondary and tertiary hospitalization.
• Pre-hospitalization and post-hospitalization expenses are covered according to applicable provisions.
• Pre-existing diseases are covered from the beginning of coverage, subject to applicable exclusions.
• There is no restriction on family size, age or gender under the core scheme provisions.
• PM-JAY benefits are portable across India at empanelled hospitals.

Ayushman Bharat PM-JAY Eligibility

Eligibility for the core PM-JAY scheme is based on the beneficiary identification criteria prescribed under the scheme. The eligible beneficiary database is primarily based on deprivation and occupational criteria, along with applicable government-approved beneficiary categories and subsequent coverage expansions.

Ayushman Card Benefits

Eligible beneficiaries can use their Ayushman Card to access covered cashless healthcare services at empanelled hospitals. The card and beneficiary identification process helps hospitals verify eligibility before providing treatment under the applicable PM-JAY packages.

What is Covered Under PM-JAY?

PM-JAY covers eligible hospitalization packages and associated treatment expenses according to the applicable health benefit packages. Covered expenses can include medical consultation and treatment, medicines, medical consumables, diagnostic investigations, accommodation, intensive and non-intensive care, procedures and specified pre- and post-hospitalization expenses.

PM-JAY Hospital Treatment

Beneficiaries can receive covered treatment at empanelled government and private hospitals. The scheme also provides portability, allowing eligible beneficiaries to access covered services at empanelled hospitals outside their home state, subject to the applicable rules.

Senior Citizens Aged 70 Years and Above

Indian citizens aged 70 years and above are eligible for AB PM-JAY coverage irrespective of their income, subject to the applicable enrolment and scheme provisions. Senior citizens from already covered families may receive an additional coverage benefit according to the applicable rules.

Purpose of Ayushman Bharat PM-JAY

The main objective of Ayushman Bharat PM-JAY is to improve access to quality healthcare and reduce the financial burden caused by hospitalization and major medical treatment for eligible beneficiaries.

Important Information

PM-JAY eligibility, beneficiary identification, covered procedures, exclusions and other conditions are governed by the applicable scheme rules. The ₹5 lakh coverage is provided on a family-floater basis under the core PM-JAY benefit structure, while specific beneficiary categories may have additional or modified provisions.