Healthcare can be expensive, and not everyone can afford good medical treatment. To help families who need support, the Government of India launched the Ayushman Bharat Scheme. This scheme provides free health insurance to poor and low-income families across the country. It covers hospital expenses, surgeries, medicines, and more, making healthcare simple and affordable for those who need it the most.
What is the Ayushman Bharat Scheme?
The Ayushman Bharat Scheme is a health insurance program started by the Government of India in 2018. This initiative is also popularly known as PM-JAY, or Pradhan Mantri Jan Arogya Yojana.
The scheme provides free health coverage of up to ₹5 lakh per family every year. It helps poor and low-income families get medical treatment without paying from their pockets.
The scheme covers hospitalization, surgeries, medicines, and diagnostic tests. It can be used in both government and private hospitals that are part of the scheme.
There is no age limit. Pre-existing diseases are also covered. The goal is to make quality healthcare available to those who need it the most.
Key Features of the Ayushmann Bharat Scheme
- Free Health Cover—— scheme offers health insurance of up to ₹5 lakh per family each year.
- Covers Many Medical Treatments——includes expenses for hospital stays, surgeries, medicines, and tests.
- Cashless Treatment——Beneficiaries get cashless treatment in empaneled hospitals across India.
- No Age or Family Size Limit——The scheme covers all family members, regardless of age or family size.
- Covers Pre-existing Conditions—eases that existed before joining the scheme are also covered.
- Large Hospital Network—You can avail treatment in both government and private hospitals listed under the scheme.
- Covers 1,500+ Procedures—The scheme includes a wide range of medical procedures and surgeries.
- Easy to Access—Beneficiaries receive an Ayushman card, which can be used to get treatment easily.
- Nationwide Coverage—The scheme is active in almost every state and union territory in India.
- Focus on Poor and Needy Families—The scheme mainly supports economically weaker sections based on SECC 2011 data.
Eligibility Criteria for PM-JAY
For Rural Families:
- Households in low-income groups.
- Families without a male member aged 16-59.
- SC/ST families and those living in kucha houses.
- Beggars and daily wage earners.
For Urban Families:
- Street vendors, rickshaw pullers, domestic workers, construction workers, etc.
List of Diseases Covered Under Ayushman Bharat
- Cancer treatment (chemotherapy & radiotherapy)
- Heart diseases (angioplasty, bypass surgery)
- Kidney diseases (dialysis & transplants)
- Orthopedic procedures (knee & hip replacements)
- Neurological disorders
- Maternity care and neonatal services
Benefits of the Ayushman Bharat Scheme
- Free medical treatment at listed hospitals
- No need to pay for hospital bills.
- Wide range of procedures and treatments
- Covers pre-existing diseases
- Cashless and paperless service
- Treatment in both government and private hospitals
- Reduces out-of-pocket expenses
- Supports economically weaker families
- Helps during emergency hospitalization
- Peace of mind with health security
he Ayushman Bharat Scheme is a big step toward affordable healthcare. It helps poor and low-income families get free treatment. With wide coverage and cashless service, medical care becomes stress-free. If you are eligible, make sure to apply and keep your Ayushman card ready. Good health should never be a worry—and this scheme makes that possible.