PMJAY Ayushman Bharat Yojana is a government health scheme that helps poor and needy families cover hospital expenses. In this article, you’ll find complete details about the eligibility criteria, benefits, application process, login steps, how to check the beneficiary list, and much more.
What is PMJAY Ayushman Bharat Yojana?
The Government of India launched the Pradhan Mantri Jan Arogya Yojana (PM-JAY) to achieve its vision of Universal Health Coverage (UHC).
As a result, AB PM-JAY has become the world’s largest health assurance scheme which helps needy poor citizens, offering ₹5,00,000 health coverage per family per year for secondary and tertiary care hospitalization.
Moreover, the Government fully funds PM-JAY, with the Central and State Governments jointly sharing the implementation costs which helps the individual family without worrying about financial burdens.
Key Benefits of PMJAY Ayushman Bharat Yojana
The scheme covers all expenses related to treatment, ensuring comprehensive care for beneficiaries. Specifically, it includes the following:
- Covers doctor consultations, medical examinations, and all necessary treatments
- Provides care and support before hospital admission
- Includes the cost of prescribed medicines and essential medical supplies
- Ensures access to both intensive and non-intensive medical care
- Covers diagnostic tests and lab investigations required during treatment
- Provides for medical implants, wherever medically necessary
- Offers hospital stay benefits, including room charges
- Includes nutritious meals during the hospital stay
- Manages any medical complications that arise during treatment
- Supports follow-up care for up to 15 days after discharge
- All members of the family are covered, regardless of how many.
- People of all age groups can benefit from the scheme.
- Treatment is available immediately after enrollment.
- Eligible individuals can receive care for medical conditions they had before joining PM-JAY
In this way, the scheme aims to provide complete financial protection throughout the entire course of treatment.
Eligibility Criteria for PMJAY Ayushman Bharat Yojana
For Rural Beneficiaries
To qualify in rural areas, a family must belong to meet at least one of the following six groups:
- Live in a single-room house with kuchha walls and kuchha roof
- Have no adult person aged between 16 and 59
- Have no adult male member aged between 16 and 59
- Include a disabled member with no able-bodied adult support
- Belong to a SC/ST category.
- Be a landless household relying mainly on manual casual labor for income
Automatic Inclusion (No survey needed):
- Destitute individuals or those living on alms
- Manual scavenger households
- Primitive tribal groups
- Legally released bonded laborers
For Urban Beneficiaries
In urban areas, individuals working in the following 11 occupational categories are eligible:
- Rag-pickers
- Beggars
- Domestic workers
- Street vendors, cobblers, hawkers, and other street-based service providers
- Construction workers, plumbers, masons, laborers, painters, welders, security guards, and coolies
- Sweepers, sanitation workers, and gardeners
- Home-based workers, artisans, handicraft workers, and tailors
- Transport workers, drivers, conductors, helpers, cart pullers, and rickshaw pullers
- Shop workers, assistants, peons, helpers, delivery assistants, attendants, and waiters
- Electricians, mechanics, assemblers, and repair workers
- Washer-men and chowkidars (watchmen)
Who are excluded from PM-JAY?
The following individuals are not eligible for PM-JAY coverage:
- Those who own a two-wheeler, three-wheeler, four-wheeler, or a motorized fishing boat
- Those who own mechanized farming equipment
- Those with Kisan Credit Cards having a credit limit of ₹50,000 or more
- Government employees
- Those working in government-managed non-agricultural enterprises
- Individuals earning a monthly income above ₹10,000
- Households that own a refrigerator or a landline phone
- Those living in solid, well-built (pucca) houses
- Those families who own 5 acres or more of agricultural land
PMJAY Ayushman Bharat Yojana Online Application Form
Required Documents for Registration
To complete the PM-JAY registration process, applicants must submit the following documents:
- Provide valid age and identity proof, such as an Aadhaar Card or PAN Card.
- Submit proof of address, like a utility bill, Aadhaar, or any government-issued address document.
- Share your valid mobile number and email ID.
- Attach a caste certificate, if applicable, to verify your social category.
- Include an income certificate to confirm your economic eligibility for the scheme.
- Furnish a document that reflects the current status of your family i.e., whether it’s a joint or nuclear family.
- Ensure you submit an Aadhaar Card, as it is mandatory for identity verification.
Steps to Apply Online
To get a PM-JAY e-card, the beneficiary must visit either a hospital or a Common Service Centre (CSC) and follow the steps below:
- First, the potential beneficiary must provide one of the following: PM letter, RSBY URN, Ration Card number, or Mobile Number.
- Next, the Arogya Mitra (operator) searches the list of eligible beneficiaries using details like name, location, ration card number, mobile number, or RSBY URN.
- Then, the operator searches for the beneficiary in the BIS application, which includes from SECC, RSBY, State Health Scheme, and the Additional Data Collection Drive.
- Once the operator finds the name, they begin the identification process.
- The beneficiary must provide valid ID documents such as Aadhaar or any other government-issued ID, along with a ration card or another family ID.
- Afterward, the operator scans and uploads these documents into the system.
- Next, the Arogya Mitra verifies family records using the ration card. They upload the necessary scanned documents and submit both individual and family records to the insurance company or state trust for further approval.
- Following submission, the insurance company or trust reviews the case. If they recommend rejection, the State Health Agency (SHA) conducts a final verification before confirming approval or rejection.
- Finally, once the SHA or insurance company approves the beneficiary’s application, they issue a PM-JAY e-card to the individual.
How to Login to the PMJAY Portal or APP
You can log in either through the official website or by using the Ayushman Bharat app.
Option 1: Login via Official Website
- Follow the official link to access the PM-JAY login portal.
- Select the “Beneficiary” radio button.
- Enter your registered mobile number and click on the “Verify” button.
- You will receive an OTP on your registered mobile number as part of verification process.
- Enter the OTP that you received, then fill in the captcha, and click “Login” to access your PMJAY dashboard.
Option 2: Login via Ayushman Bharat App
- Download and install the Ayushman Bharat app from the official app store on your mobile.
- Open the app and select the “Beneficiary” radio button.
- Enter your mobile number and tap “Verify”.
- An OTP will be sent to your mobile number.
- Enter the OTP, then enter the captcha, and tap “Login” to proceed.
How to Check Beneficiary Name in the PMJAY List?
After logging in with your mobile number through the portal or the app, the Beneficiary List page will appear on your dashboard.
- Select your state from the drop down menu.
- Choose the appropriate scheme name.
- Select the “Search By” option (such as mobile number, name, or ration card).
- Choose your district.
- Finally, click on the “Search” button to view the list of eligible beneficiaries.
How to search Hospitals?
- You can search the hospital by following the UMANG link
- Select the state, district, specialty and click on submit.
- The name of hospitals along with address and phone numbers will be listed.
- You can also track the nearest hospital by enabling your location.
Important links
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Login & Check Beneficiary List |
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Mobile App |
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Search Hospitals |
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SSC CHSL 2025 Exam Notification |
FAQs for PMJAY Ayushman Bharat Yojana
Families identified in SECC 2011 and those under specific occupational categories in urban areas are eligible.
No, there is no age limit; all family members are covered.
Yes, all pre-existing conditions are covered from day one.
No, only eligible families listed under SECC 2011 or RSBY are covered.
Up to ₹5,00,000 per family per year for secondary and tertiary hospitalization.
Yes, the scheme is fully funded by the government.
Eligible people can visit the official website or nearby CSC/hospital to apply.
Yes, you can check eligibility on the official PMJAY website or app using mobile number or ration card.
You can get the e-card from empanelled hospitals or Common Service Centres (CSCs).
Aadhaar, ration card, income certificate, caste certificate, and address proof are required.
More FAQs
Yes, only in empanelled private and government hospitals under the scheme.
Use your mobile number via the official website or Ayushman Bharat app.
Log in, select your state, district, and use the search by option to find your name.
No, the scheme mainly covers hospitalization and treatment expenses.
Yes, maternity and newborn care are included.
Over 1,500 medical and surgical procedures are covered including cancer, heart, kidney, etc.
Yes, PMJAY supports portability across all states implementing the scheme.
You can contact the Ayushman Bharat helpline at 14555 or visit the official website for assistance.