Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PM-JAY) is one of India’s most ambitious healthcare schemes, launched by the Government of India to provide financial protection to poor and vulnerable families. This scheme ensures cashless and paperless hospitalization coverage of up to ₹5 lakh per family per year across public and empanelled private hospitals.
The scheme targets over 50 crore beneficiaries and is considered the world’s largest government-funded health insurance program. It aims to reduce out-of-pocket medical expenses and provide universal health coverage to every eligible citizen.
🌟 Key Features of Ayushman Bharat Scheme
Under PM-JAY, eligible families receive free medical treatment worth ₹5 lakh annually. The coverage includes secondary and tertiary care hospitalization, major surgeries, ICU services, diagnostics, maternity care, and day-care procedures.
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No premium or registration fee is required from beneficiaries.
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Paperless and cashless transactions at the hospital.
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Valid across India at any listed hospital, regardless of the state of residence.
You can check your eligibility at the official site:
🔗 https://pmjay.gov.in
✅ Who Is Eligible?
Eligibility is based on SECC 2011 data and varies for rural and urban areas.
Rural Criteria:
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Households with only one room and kutcha walls/roof
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Families with no adult earning members
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Landless households earning livelihood through manual labor
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Female-headed households with no adult male member
Urban Criteria:
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Ragpickers, domestic workers, street vendors, construction workers, etc.
If you fall under these categories, you can check your name in the Ayushman card list online and apply easily.
📲 How to Get Your Ayushman Card
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Enter your mobile number and OTP
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Check your eligibility
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Visit the nearest CSC (Common Service Centre) or empanelled hospital
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Get your Ayushman Bharat card printed and verified
Once your card is ready, you can avail free medical treatment at over 25,000 empanelled hospitals across India.
🏥 What Treatments Are Covered?
PM-JAY covers over 1,500 medical packages, including:
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Cancer treatment and chemotherapy
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Kidney dialysis and transplant support
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Heart surgeries (bypass, valve replacements)
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Fracture management and orthopedic procedures
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Neurology, burn injuries, ENT, and eye surgeries
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Maternity care and neonatal treatment
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COVID-related hospitalization (as per updated guidelines)
This extensive coverage ensures that no Indian is denied treatment due to lack of funds.
🔒 5 Leading Insurance Companies in Ayushman Bharat Scheme
To implement PM-JAY across different states, the Government of India has partnered with various public and private insurance companies to handle claims and hospital empanelment. Here are five major insurers:
1. New India Assurance Company Ltd.
One of India’s oldest and most trusted public sector insurers, responsible for PM-JAY implementation in multiple states.
🔗 https://www.newindia.co.in
2. Oriental Insurance Company Ltd.
This government-owned insurer processes Ayushman Bharat claims and monitors hospital billing across regions.
🔗 https://orientalinsurance.org.in
3. United India Insurance Company Ltd.
UIIC is a key player in managing Ayushman services in Tamil Nadu, Karnataka, and other southern states.
🔗 https://uiic.co.in
4. National Insurance Company Ltd.
NIC provides support for fast claim settlement and manages the network of hospitals for beneficiaries.
🔗 https://nationalinsurance.nic.co.in
5. IFFCO Tokio General Insurance
This private insurer is involved in Ayushman Bharat in select states and is known for quick processing and efficient service.
🔗 https://www.iffcotokio.co.in
🧾 How to Check Your Name in the Ayushman Bharat List 2025?
The government updates the PM-JAY beneficiary list every year. You can check if your name is included in the latest list using the steps below:
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Enter your mobile number or ration card number
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If eligible, your details and card status will be displayed
If your name is not found, you can visit your local health officer or CSC center for manual verification.
🔚 Conclusion
Ayushman Bharat Yojana 2025 is not just a health insurance scheme – it’s a lifeline for millions of Indian families. With zero cost and ₹5 lakh coverage, this scheme empowers poor and vulnerable households to access quality healthcare without financial burden.
If you or someone in your family is eligible, don’t delay. Check your name online, apply for the Ayushman card, and stay protected against unexpected medical expenses.
