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HealthCentral GovernmentVerified 1 Sep 2026
Ayushman Bharat — Pradhan Mantri Jan Arogya Yojana (PM-JAY)
Nodal Implementing Authority: National Health Authority (NHA), Ministry of Health and Family Welfare, Government of India
Administrative ScopeCentral Government
CategoryHealth
Target BeneficiariesBottom 40% vulnerable families identified through SECC 2011 database + all senior citizens aged 70 years and above irrespective of income
Scheme Purpose & Core Objectives
To provide universal cashless secondary and tertiary hospitalization cover to economically vulnerable families and universal coverage to all senior citizens aged 70 and above, eliminating catastrophic medical expenses.
Key Benefits Provided to Beneficiaries
Cashless health cover of up to Rs. 5,00,000 per family per year for secondary and tertiary care hospitalization
Covers treatment, surgery, ICU, diagnostics, room charges, and pre/post-hospitalization medications across 27,000+ empanelled hospitals
General Eligibility Criteria
Statutory qualifications required for enrollment without volatile budgetary or transient criteria.
✓Households categorized under occupational deprivation criteria in rural and urban areas
✓Universal eligibility for all Indian senior citizens aged 70 years and above upon Aadhaar e-KYC
✓No restriction on family size, gender, or age of members
✓Pre-existing medical conditions covered from day one