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Pradhan Mantri Jan Arogya Yojana or PMJAY is a health insurance plan designed to financially secure the healthcare expenses of the economically weaker sections of India. Ayushman Bharat Yojana, aims to cover 50 crore citizens of India from both rural and urban regions of the country. Also known as the Ayushman Bharat Yojana, it provides a sum insured of ₹5 lakh, and covers diagnostic cost, medical treatment, hospitalisation, pre-existing illnesses and several critical ailments. 

Features of the PMJAY(Ayushman Bharat) Scheme

PMJAY scheme makes quality healthcare accessible to the poorest of poor families in India. Hence, the benefits offered by this health insurance plan are massive. Take a look at these features and benefits offered by the healthcare scheme to every family in need:

PMJAY Scheme - Features and Benefits

PMJAY Card Eligibility Criteria Details

PMJAY registration - A simple and easy process to avail of quality healthcare services.


According to the 71st round of the National Sample Survey Organisation, over 85.9% of people in rural areas do not have access to basic healthcare plans. Moreover, 24% of the rural population seeks healthcare facilities by borrowing money.


This is where the Pradhan Mantri Jan Arogya Yojana scheme comes in handy. It helps these people avoid getting into a debt trap and avail health facilities. This scheme is economically beneficial to underprivileged households. Also, the families enrolled under the Rashtriya Swasthya Bima Yojana (RSBY) will be covered under the PMJAY scheme.


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Inclusions & Exclusions Under the Ayushman Bharat Yojana

Here’s a breakdown of the Ayushman card benefits and all that is not covered under the Ayushman Bharat Yojana.  

What’s Covered?

What’s Not Covered?


Pre-hospitalisation expenses



Post-hospitalisation expenses for up to 15 days



Medical examination, consultation and treatment



Intensive and non-intensive care services



Medical consumables and medicines



Diagnostic and laboratory investigations



Any complications arising during treatment



Medical implantation facility, only if required



Food services



Accommodation benefit



Testing and treatment of COVID-19






Drug rehabilitation programme



Cosmetic related procedures



Fertility related procedures



Organ transplant



Individual diagnostics (for evaluation purposes)


List of Critical Ailments Covered Under PMJAY Scheme

PMJAY scheme provides funding of ₹5 lakh per family annually. The Pradhan Mantri health insurance benefit can be utilised for daycare procedures and even for pre-existing illnesses. Some of the critical illnesses covered in the PMJAY insurance plan are as follows:


  • Prostate cancer

  • Coronary artery bypass grafting

  • Double valve replacement

  • Carotid angioplasty with stent

  • Pulmonary valve replacement

  • Skull base surgery

  • Laryngopharyngectomy with gastric pull-up

  • Anterior spine fixation

  • Tissue expander for disfigurement following burns

  • COVID-19 treatment and testing

Ayushman Bharat Yojana Scheme: Medical Packages and Hospitalisation Process

Individuals, as well as families, can utilise the health coverage of ₹5 lakh provided under the Pradhan Mantri Arogya Scheme. This sum is enough to cover surgical treatments and medical expenses in almost 25 specialities that include:

  • Cardiology

  • Neurology

  • Oncology

  • Paediatrics

  • Orthopaedics


However, you cannot reimburse medical and surgical expenses simultaneously. In the case of multiple surgeries, the surgery with the highest cost is paid in the first instance; then a 50% waiver is offered for the second surgery and a 25% discount on the third.


Additionally, unlike other health insurance plans , PMJAY has no waiting period for pre-existing illnesses.  This service comes under a larger umbrella scheme of Ayushman Bharat Yojana. So, in case you or any of your loved ones need immediate medical assistance, you do not have to worry about the expenses incurred. However, make sure that the individual seeking treatment is admitted to a network government or private hospital.


Moreover, this scheme also provides cashless treatment and hospitalisation, primarily because of the 60:40 cost-sharing agreement between the Centre and States. Once you are recognised under the plan, you and your family members will be issued the Ayushman card by professionals identified as Ayushman Mitras. The PMJAY or Ayushman card is an e-card that allows you to avail the benefits of Pradhan Mantri Jan Arogya Yojana at any of the network hospitals.


Check Here: Difference Between Network & Non-Network Hospitals in Health Insurance

PMJAY Scheme: Key Things to Consider

  • Services

    Under the Pradhan Mantri Jan Arogya Yojana scheme, the private hospitals provide their services at large. Moreover, the beneficiaries can avail the services of primary, tertiary and secondary hospitals.

  • Paperless

    With the PMJAY scheme, one can ensure paperless and scalable health insurance plans. The paperless transaction is possible under the leadership of the National Institution for Transforming India (NITI) Aayog.

  • Premium

    The health insurance premiums are a significant aspect for the continuance of the policy in the long run. Since the State health agencies of India fix the premium, it is affordable.

  • Families

    The benefits of Ayushman Bharat Yojana schemes are provided to either over 10.74 vulnerable families or approximately 50 crore beneficiary families.

Pradhan Mantri Jan Arogya Yojana – Features and Benefits

How to File a Complaint or Grievance on the PMJAY Portal?

You can lodge a complaint or grievance online on the CGRMS portal of the PMJAY scheme

In case you want to lodge a complaint offline, you can do so by:


  • Contacting the Ayushman Bharat scheme helpline centre operated by your State/NHA

  • Sending a letter, email, or fax to the official addresses of the SHA/NHA

  • Directly meeting the District Grievance Nodal Officer (DGNO) of your district where the complaints are formally processed. The DGNO will enter the contents of grievances received via offline mode in the portal.


For additional technical support related to the PM Jan Arogya Yojana, you can head to


To sum up, the exorbitant medical expenses have made having comprehensive health insurance the need of the hour. However, certain people cannot afford the Health Insurance Plans. The PM Jan Arogya Yojana programme is a measure to help underprivileged families tackle medical emergencies. In the end, health is an essential aspect of our lives. Hence, it should not be ignored, at any cost. Ayushman Bharat online registration can be done in order to get access to quality healthcare under this programme. Thus eventually, every citizen of our country will be able to lead a worry-free healthy life.

Contact Information Regarding Ayushman Bharat Yojana

The PMJAY scheme contact and mailing information is as follows:

Contact Number:

14555 or 1800-111-565 (both toll-free)

Mailing Address:

National Health Authority of India

3rd, 7th and 9th Floor,


Jeevan Bharati Building,

Connaught Palace,

New Delhi – 110001

You also get easy access to the information related to PM Jan Arogya Yojana with the Ayushman Bharat app. It is available on the Google Play Store for Android users only as of now. The app also offers the facility to check your eligibility for the scheme and search the empanelled hospitals around you.

To Conclude

Pradhan Mantri Jan Arogya Yojana is one of the world’s largest national health insurance schemes. Under this medical insurance scheme, the government has launched several healthcare initiatives like National Health Protection Scheme (NHPS), Rashtriya Swasthya Bima Yojana (RSBY), Senior Citizen Health Insurance Scheme (SCHIS), Central Government Health Scheme (CGHS) and Employees’ State Insurance Scheme (ESIS). Get exclusive insights and details related to all healthcare programs under the AB-PMJAY scheme at


Moreover, since the PM Jan Arogya Yojana scheme was launched recently, a majority of people are unaware of this government initiative. Hence, you can go through these top frequently asked questions (FAQs) about the Ayushman Bharat Yojana Scheme mentioned below.


In case you are not covered under the PMJAY scheme, you can also check out pocket insurance plans available on Bajaj Markets. Each plan focuses on specific healthcare needs and comes for a premium starting at ₹19!


Health Insurance Plans Available at Bajaj Markets

Latest News around the AB-PMJAY Scheme

Ayushman Bharat PMJAY hospital admissions hit the 3-crore mark

The Ayushman Bharat PMJAY (Pradhan Mantri Jan Arogya Yojana) has successfully crossed 3 crore hospital admissions. As admissions tick 3.23 crore till date, ₹36,500 crore have been disbursed as claim amount with over 18 crore cards generated. Since its launch, AB PMJAY has helped over 3 crore beneficiaries. This scheme has thus far administered treatments worth ₹21,584 crore. Furthermore, over 26,000 hospitals have been established to ensure people from both rural and urban areas receive the right medical care. The Ayushman Bharat PMJAY scheme crossed its first milestone with 1 crore hospital admissions on May 20, 2020 and the second milestone with the 2-crore mark on August, 18, 2021.

- April 29, 2022

J&K: NHA CEO reviews implementation progress of PMJAY & ABDM

On April 20, 2022, the National Health Authority (NHA) CEO Dr. R S Sharma reviewed the implementation progress of PMJAY and Ayushman Bharat Digital Mission (ABDM) in Jammu and Kashmir. The NHA CEO appreciated the implementation efforts of the State Health Agency of both programmes in J&K and requested other Union Territories to follow this example. He further mentioned that the Aadhaar seeding of PMJAY cards in J&K stands at 97%, which is higher than the national average. Moreover, Dr. Sharma announced a registration fee waiver at the PMJAY Common Service Centre (CSC) which shall be covered by the NHA.

- April 20, 2022

NHA launches new Health Package Benefit 2022 with 365 new procedures

On April 7, 2022, the National Health Authority launched the new Health Package Benefit 2022, adding 365 new procedures under the PMJAY scheme. The new package was announced at a two-day event in Tamil Nadu, where the total number of procedures available under the plan is 1,949. The new Health Package Benefit 2022 will also introduce differential pricing depending on the level of care and type of city. Furthermore, an initiative of a patient classification system shall be rolled out soon under the PMJAY scheme.

-  April 8, 2022

NHA proposes differential prices for PMJAY medical packages & services

The National Health Authority (NHA) has proposed a new pricing policy for the AB-PMJAY scheme which allows hospitals to charge differential prices depending on the services offered. The new rates will soon be announced in April 2022 where private sector tertiary hospitals and medical colleges are predicted to be the biggest gainers. Some of the new changes proposed include rates of surgical packages in hospitals of tier 1 and 2 cities to be hiked by 25% and 17% than the rate in tier 3 city hospitals. Various costing studies conducted last year suggest that these changes are the highest rise in the prices of treatment packages provided under the plan.

-  March 29, 2022

Delhiites to receive e-health card by 2023: Govt

Chief Minister Arvind Kejriwal on Friday, March 25, 2022 instructed his government officials to distribute e-health cards to the citizens of Delhi by 2023 under the Health Information Management System (HIMS). The e-health card will have all the information regarding the cardholder's medical history, and he/she will be able to seek treatment at any hospital that is linked to the HIMS system. As per officials of the Delhi Government, any person with this e-card will not be required to carry his/her medical reports and documents separately. Kejriwal has instructed the concerned departments to distribute these e-health cards at least 3 months before the implementation of the HIMS system, which is expected to begin in March 2023.


- Mar 25, 2022

Central Govt: Hospital admissions worth ₹37,185 crore authorised under AB-PMJAY since its inception

On March 25, 2022, the Minister of State for Health Bharati Pravin Pawar said that from September 2018 to March 21, 2022, hospital admissions worth ₹37,185 crore have been authorised under the Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (AB-PMJAY). She added that if the beneficiaries availed these healthcare services on their own, it would have led to an out-of-pocket expenditure of up to 1.5-2 times of that incurred under the AB-PMJAY. In a written reply to a question, Bharati Pravin Pawar said that the Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana has been successful in curtailing the country’s out-of-pocket expenditure.

- Mar 25, 2022

FAQs on Pradhan Mantri Jan Arogya Yojana Scheme

What services can be availed under the Ayushman Bharat Yojana Scheme?

Under the Ayushman Bharat Yojana Scheme, the following health care services are covered:

  1. Follow-ups

  2. Daycare surgeries

  3. Pre and post hospitalisation expenses

  4. Newborn expenses and services

How to avail the cashless facility?

Here is the process of availing the cashless benefit under the PMJAY Scheme:

  1. Register at the helpdesk in a network hospital

  2. Validate your health card at the help desk

  3. Admit the patient after the registration

  4. Obtain a pre-approval via emails or any other online medium. However, the pre-authorisation is processed after the patient is admitted.

What is the HHD number in PMJAY?

HHD stands for Household Identification number. It is a 25 character long string variable that uniquely identifies households.

What is the Ayushman card?

The Ayushman card consists of a dedicated number for family identification. AB-NHPM is provided to every eligible family in India. Moreover, a family can obtain an e-card at the time of hospitalisation. However, the beneficiaries do not receive the Ayushman card.

Is the beneficiary charged with any fee?

The beneficiaries need not pay any fee since the services are free of cost. In case of any doubts, they can contact the helpline number.

Is there any cap on the family size or the age of the family members?

There is no restriction on the age limit or the size of the family under the Ayushman Bharat Yojana Scheme. The PM Jan Arogya Yojana is open to all the vulnerable families of India.

When was the PMJAY Scheme launched?

The PMJAY Scheme was formulated by the Prime Minister of India, Narendra Modi on September 25, 2018.

Are pre-existing diseases covered in PM Jan Arogya Yojana?

Yes. All pre-existing medical issues are covered under the PMJAY scheme, and any empanelled hospital cannot deny you treatment for the same.

Is the post-hospitalisation expense covered in Ayushman Bharat Scheme?

Post-hospitalisation expenses are a part of the PMJAY scheme amount offered for the treatment. You have to endure no additional expenditure post discharge. However, make sure you take a follow-up date for the treatment from the hospital before the discharge.

What services are excluded under PM Jan Arogya Yojana?

Outpatient care, drug rehabilitation, cosmetic surgeries and treatments, organ transplant, and fertility treatment are not covered under the PMJAY scheme.

Under Ayushman Bharat insurance, who shall the beneficiary approach for support in empanelled hospitals?

You (the beneficiaries) should approach Ayushman Mitra (an insurance coordinator) who is available at the empanelled hospitals to help people avail the cashless treatment under the PMJAY insurance.

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