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Ayushman Bharat

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

Launched: 2018

Objective: This flagship health insurance scheme aims to provide a health cover of ₹5 lakh per family per year for secondary and tertiary care hospitalization.

Coverage: Over 10 crore families (around 50 crore beneficiaries) who are socio-economically vulnerable. The scheme is paperless, cashless, and provides free treatment in public and empaneled private hospitals.

Key Features:

Empanelment of both public and private hospitals.

It covers 1,350 medical packages including surgery, day-care treatments, and follow-up care.

Financial protection against catastrophic health expenditures.

Eligibility: Beneficiaries are identified based on the deprivation criteria in the Socio-Economic Caste Census (SECC) 2011.

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