Imagine a India where no family is pushed into poverty due to medical bills.
Ayushman Bharat PMJAY turns this vision into reality, offering free healthcare to 50+ crore vulnerable citizens. Here’s your ultimate guide to unlocking its benefits.

Ayushman Bharat PMJAY

1. What is PMJAY?

• A flagship scheme providing ₹5 lakh/year/family for secondary/tertiary hospitalization.
• Covers 1,574+ medical procedures (surgery, cancer care, emergencies).

1. Who is Eligible?

• Economically Weaker Sections (EWS): Rural/urban families in SECC 2011 database.
• Occupational Categories: Ragpickers, manual scavengers, construction workers, etc.

1. When Was It Launched?

• Started on September 23, 2018, by Prime Minister Narendra Modi.

1. Where is it Available?

• Active in 33 States/UTs (excludes Delhi and Telangana).

1. Why PMJAY?

• Reduces out-of-pocket healthcare expenses.
• Empowers marginalized communities with cashless treatment.

1. How Does It Work?

• Cashless Treatment: Empanelled hospitals cover costs directly.
• Paperless Claims: Biometric/Aadhaar-based authentication.

Step-by-Step Guide to Apply for PMJAY

Online Application

1. Check Eligibility:

• Visit PMJAY Official Website.
• Enter mobile number, captcha, and search via name/ration card/Aadhaar.

1. Download e-Card:

• Eligible beneficiaries receive a Golden e-Card via SMS or portal.

1. Locate Empanelled Hospitals:

• Use the “Hospitals” tab on the portal to find nearby facilities.

Offline Application

1. Visit Common Service Centers (CSCs):

• Provide Aadhaar, ration card, and income certificate.

1. Contact PMJAY Helpline:

• Dial 14555 for assistance or visit district kendras.

1. Verification:

• Authorities cross-check SECC data for approval.

10 FAQs About PMJAY

1. Q: How to check if I’m eligible?
   A: Visit https://mera.pmjay.gov.in or call 14555.
2. Q: What documents are required?
   A: Aadhaar, ration card, and income certificate (if applicable).
3. Q: Are pre-existing conditions covered?
   A: Yes, from Day 1.
4. Q: Can I use PMJAY in private hospitals?
   A: Only empanelled private hospitals.
5. Q: Is there an age limit?
   A: No, coverage applies to all family members.
6. Q: How to file a grievance?
   A: Use the portal’s “Grievance Redressal” section.
7. Q: Are OPD expenses covered?
   A: No, only hospitalization costs.
8. Q: Can NRI families avail PMJAY?
   A: No, only Indian residents.
9. Q: What if my e-card is lost?
   A: Re-download via the portal or visit CSC.
10. Q: Is there a renewal process?
    A: No, the e-card is valid for a lifetime.

Government Useful Links

• PMJAY Official Portal
• Check Eligibility
• Empanelled Hospitals List
• Download e-Card

Final Thoughts

Ayushman Bharat PMJAY is more than a scheme—it’s a lifeline for millions. Share this guide to spread awareness and help families claim their right to healthcare!

Disclaimer for the Viewer

All information provided is sourced from the internet. Please conduct thorough research and verify details independently before applying for any scheme. We do not assume responsibility for any issues or the inability to obtain scheme benefits, as the eligibility and availability of these schemes may vary.