Ayushman Bharat Yojana

Ayushman Bharat Yojana 2023-24: Eligibility, All Features & New Update

Ayushman Bharat Yojana:- The government’s Ayushman Bharat plan aims to give the underprivileged and impoverished citizens of the nation access to improved healthcare facilities. 2018 saw the launch of this program. This initiative is now known as the Pradhan Mantri Jan-Arogya Yojana (PMJAY) thanks to a name change by the government. The government provides health insurance up to Rs 5 lakh to qualifying households under the scheme. Ayushman Golden Cards are issued to qualifying families, with which they can receive free medical care in the designated hospitals up to Rs 5 lakh.
More than 13,000 public and private hospitals nationwide accept the Ayushman Golden Card. Ayushman Golden Card is available online and offline. Treatment facilities for approximately 1500 disorders, including

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Ayushman Bharat Yojana Overview

Name of the SchemeAyushman Bharat Pradhan Mantri Jan Arogya Yojana
Type of projectHealth Insurance
Started ByPrime Minister Shri Narendra Modi
MinistryMinistry of Health and Family Welfare
Launched23 September 2018; 4 years ago
Helpline Numbers1800-111-565 or 14555
AddressNational Health Authority of India, 3rd, 7th and 9th Floor, Tower-L, Jeevan Bharati Building, Connaught Place, New Delhi – 110001

Ayushman Bharat Yojana Scheme Eligibility Criteria for Rural and Urban Population

Ayushman Bharat Yojana:- To aid the bottom 40% of the country’s underprivileged and economically disadvantaged inhabitants, the PM-JAY initiative was launched. The 2011 Socio-Economic Caste Census’s occupational and deprivation characteristics for both urban and rural areas served as the foundation for this. Prerequisites are incorporated into the Ayushman Bharat Yojana Eligibility structure to guarantee that the program’s benefits are restricted to the most impoverished members of society.

Ayushman Bharat Yojana


Ayushman Bharat Yojana:- A socioeconomic status-based ranking of households is a feature of the Socio-Economic Caste Census 2011 (SECC 2011). The ranking of rural families is determined by taking into account seven deprivation characteristics. Of these, the program automatically includes impoverished, manual scavenger families, those who live on alms, primitive tribal groups, and bonded laborers, as well as all recipients who fit into at least one of the following six deprivation categories:

  • homes having a single room and Kucha-style roofing and walls.
  • There isn’t an adult participant in the age range of 16 to 59.
  • Not a single adult male participant in the 16–59 age range.
  • One person is living with a disability, whereas the other is not.
  • ST and SC
  • For households without land, physical labor is a primary source of income.


Urban households are categorized under the plan according to their occupation. The 11 occupational categories listed below list employees who qualify for the Ayushman Bharat Yojana Scheme:

  • Beggar
  • household helper
  • Angry Picker
  • Hawker, Street Vendor, Cobbler, and Additional street-based service providers.
  • Mason, Painter, Plumber, Laborer, Welder, Security Guard, and Coolie
  • Sweeper, Mali, and Cleaning Employee
  • Craftsperson, Tailor, Artist, and Home-Based Employee
  • Drivers, transport workers, conductors, pullers of carts or rickshaws, and assistants to drivers and conductors
  • Employees in small businesses: shop workers, peons, assistants, attendants, delivery assistants, and waiters
  • Repair worker/mechanic/electrician/assembler
  • Chowkidar/Man-Washer
Ayushman Bharat Yojana

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What is Covered Under Ayushman Bharat Yojana Scheme?

The Ayushman Bharat Yojana Scheme provides coverage of up to Rs. 5 lakh per family per year for secondary and tertiary hospitalization care with the goal of making healthcare accessible to the underprivileged and needy.

The hospitalization expenses for beneficiaries are covered by the following components of the health insurance offered by AB-PMJAY:

  • examination, advice, and treatment related to medicine.
  • prior to hospitalization.
  • services for both intensive and non-intensive care.
  • medication and supplies for medicine.
  • laboratory and diagnostic services.
  • Make accommodations.
  • Services for medical implants, when available.
  • food delivery services.
  • a problem that develops during therapy.
  • post-hospitalization costs for a maximum of fifteen days.
  • Treatment for COVID-19 (coronavirus).

What Does the Ayushman Bharat Yojana Scheme Not Cover?

As with other health insurance plans, there are several exclusions from the Ayushman Bharat Yojana Scheme. The plan does not include the following components:

  • Spending from the Out-Patient Department (OPD).
  • drug detoxification.
  • surgical cosmetic procedures.
  • treatments for fertility.
  • personal medical evaluations.
  • transplant of organs.

Features of Ayushman Bharat Yojana Scheme

These are the salient characteristics and focal points of the PMJAY, or Ayushman Bharat Yojana scheme.

  • It is one of the biggest health insurance programs in the world, funded by the Indian government.
  • coverage for secondary and tertiary treatment in both public and private hospitals totaling Rs. 5 lakh per family annually.
  • The initiative is eligible for almost 50 crore beneficiaries, or more than 10 crore impoverished and disadvantaged qualified families.
  • hospitalization without cash.
  • covers the cost of prescription drugs and diagnostic tests for up to three days prior to hospitalization.
  • covers the cost of prescription drugs and diagnostic tests for a maximum of 15 days following hospitalization.
  • No limitations on age, gender, or size of family.
  • can receive care at any accredited public or private hospital in the nation.
  • From the beginning, all pre-existing conditions were covered.
  • There are 1,393 medical procedures included in the plan.
  • covers expenses for prescription medications, lodging, and doctor’s
Ayushman Bharat Yojana

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Benefits & Advantages of Ayushman Bharat Yojana Scheme:

The primary goal of the Pradhan Mantri Jan Arogya Yojana (PMJAY), also known as the Ayushman Bharat Yojana Scheme, is to support the less fortunate and weaker elements of society. The following are PMJAY’s main perks and advantages:

  • It pays for all hospitalization costs for recipients through cashless transactions.
  • housing while a patient is in the hospital.
  • Costs both before and after hospitalization.
  • any issues that come up while receiving treatment.
  • Suitable for all family members to use.
  • Family size, age, or gender are all unlimited.
  • Pre-existing conditions are considered from the outset.

List of Critical Diseases or Illnesses Covered Under Ayushman Bharat Yojana Scheme

The medical care program covered more than 1300 medical packages at public and private institutions with national affiliations. The following is a list of some of the major ailments that the Ayushman Bharat Yojana covers:

  • carcinoma of the prostate.
  • replacement of two valves.
  • grafting a coronary artery bypass.
  • COVID-19.
  • Replacement of the pulmonary valve.
  • surgery on the skull base.
  • fixation of the anterior spine.
  • Gastritis with laryngopharyngectomy and pull-up
  • Tissue expander used to treat burn scars.
  • stent-based carotid angioplasty.

Who Does Not Qualify For The Ayushman Bharat Yojana Program?

The following is a list of individuals who are not eligible to get healthcare services under the program:

  • those who use farming machinery that is mechanized.
  • whose vehicle is a two-, three-, or four-wheeler.
  • people who possess a Kisan card.
  • workers in government.
  • people with motorized fishing boats as owners.
  • anyone making more than Rs. 10,000 a month.
  • those employed by government-run non-agricultural businesses.
  • individuals with more than five acres of agricultural land.
  • people with refrigerators or landlines.
  • those who occupy well-constructed homes.

PM-JAY Enrollment Process

The government of India introduced the scheme, an entitlement-based program, for the underprivileged and respected segments of society. Thus, there isn’t a registration procedure. Beneficiaries enrolled in the RSBY plan under the SECC 2011 are chosen. To find out if you qualify for the program, do the following actions.

Step1:- Go to https://pmjay.gov.in/, the government website dedicated to the PMJAY program, and select the “Am I Eligible” button.

Step2:- Create an OTP by entering your contact information.

Step3:-  Choose your state.

Step4:- Now, search either by your name, mobile number, HHD number or your ration card number.

Step 5:- Depending on the result, you will be notified of your eligibility for the PMJAY plan.

In addition, you can get in touch with any Empanelled Health Care Provider (EHCP) or the Ayushman Bharat Yojana customer service at 1800-111-565 or 14555.

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Documents Required to Apply For Ayushman Bharat Yojana Scheme:

The list of documents needed to apply for the PMJAY scheme is provided below:

  • Age and Identity Verification (Aadhaar Card/PAN Card)
  • information about your home address, email address, and cell phone number.
  • Caste certificate
  • Income Declaration
  • documents certifying your family status as of right now.

How To Apply Online For Ayushman Bharat Yojana?

The Indian government introduced the program to address the healthcare need of the most vulnerable segments of the populace. According to the scheme’s fundamental requirements, there is no enrollment procedure. You must determine if you qualify for the Ayushman Bharat Yojana Scheme before submitting an online application. The following are the methods to find out if you qualify for the Ayushman Bharat Yojana Registration:

Step1:- Visit the exclusive website for PMJAY (https://pmjay.gov.in/) and click on the “Am I Eligible” icon.

Step2:- : Input your contact details and click on “Generate OTP”.

Step3:- Choose your state now and do a search using your name, phone number, HHD number, or ration card number.

Step4:- You can check if you qualify for the public health insurance program.

How To Download Ayushman Bharat Yojana Card Online?

Beneficiaries of the PM-JAY scheme will receive the Ayushman Bharat Yojana Golden Card, which will guarantee cashless, paperless, and portable transactions. All of the patient’s necessary information is on the PMJAY e-card. This card must be shown in order to receive treatment at the hospital with an annex.

To obtain this PMJAY Golden Card, go to the steps listed below:

Step1:- Visit the PMJAY – Hospitals list section’s official website.

Step2:- Select your state and the district.

Step3:- Select the type of hospital now: public, private, for-profit, or private without a profit.

Step4:- Select the desired medical specialization.

Step5:- After entering the “Captcha Code,” select “Search.”

You will see a list of Ayushman Bharat Yojana hospitals along with their addresses, websites, and phone numbers. On the same page as above, you may also view the “Suspended Hospital List.”

Number and Address:

Toll-Free Number14555 / 1800-111-565
AddressNational Health Authority of India, Connaught Place, New Delhi, 110001; Third, Seventh, and Nineth Floors, Tower-L, Jeevan Bharati Building
Grievance PortalPMJAY Grievance

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Q:- Who is eligible for Ayushman Bharat?

Ans:- Who are the eligible families of Ayushman Bharat “Niramayam” scheme? , Rural families of deprived category from D-1 to D-7 (except D-6) identified in the Social, Economic and Caste Census 2011 will be included and the identified occupation-based urban families will be included.

Q:- How can I view my name on the Ayushman list?

Ans:- You can access this website at www.pmjay.gov.in. It is best to choose “Beneficiary Identification System (BIS)”: Find and select the “Download Ayushman Card” or “PMJAY Card” option once you’re on the page.Give the necessary details: Input your date of birth, Aadhar card number, and other necessary data.

Q:- What is the limit of Ayushman card?

Ans:- Up to Rs. 5 lakh per family annually in cashless health care are available to qualified persons under the initiative. The hospitals and healthcare providers on this list offer this service.

Q:- How to check Ayushman Card eligibility?

Ans:- Visit the UTI-ITSL Center, the Public Service Center, or the Common Service Center to have your eligibility verified and an Ayushman card created. The Ward Incharge and designated Village Employment Assistant can also assist in creating Ayushman cards.

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