Pradhan Mantri Jan Arogya Yojana (PMJAY): Apply Online, Eligibility, Beneficiary List & Download

Pradhan Mantri Jan Arogya Yojana (PMJAY) is the health insurance component of Ayushman Bharat. It provides eligible beneficiaries with cashless health coverage of up to ₹5 lakh per family per year for secondary and tertiary hospitalisation. The scheme covers economically vulnerable families identified through government databases and, since September 2024, all senior citizens aged 70 years and above irrespective of income.

PMJAY Overview

What is Pradhan Mantri Jan Arogya Yojana?

Pradhan Mantri Jan Arogya Yojana (PMJAY) was launched under the Ayushman Bharat initiative (Ayushman card) to improve access to affordable healthcare and reduce out-of-pocket medical expenses. The scheme provides financial protection against hospitalisation costs and enables eligible beneficiaries to receive cashless treatment at empanelled public and private hospitals across India.

PMJAY is jointly implemented by the Central Government and State Governments through insurance and trust-based models. It is one of the world's largest government-funded health assurance programmes.

Ayushman Bharat PMJAY Coverage in India

Ayushman Bharat PMJAY is now operational across all 28 States and 8 Union Territories in India.

Recent implementation milestones include:

• Odisha joined PMJAY in January 2025.
• Delhi implemented PMJAY in April 2025.
• West Bengal joined PMJAY in June 2026.

The scheme currently covers more than 55 crore beneficiaries and supports cashless treatment through a network of over 36,000 empanelled hospitals.

Features of Pradhan Mantri Jan Arogya Yojana 

Pradhan Mantri Jan Arogya Yojana (PMJAY) is designed to provide financial protection against hospitalisation expenses while improving access to quality healthcare across India.

• World's Largest Government-Funded Health Scheme: PMJAY is one of the largest publicly funded health assurance programmes globally, covering more than 55 crore beneficiaries across India.
• Comprehensive Health Coverage: Provides cashless health insurance coverage of up to ₹5 lakh per family per year for secondary and tertiary hospitalisation.
• Extensive Hospital Network: Beneficiaries can access treatment at 36,000+ empanelled public and private hospitals across all 28 States and 8 Union Territories.
• Coverage for Pre-existing Diseases: All pre-existing medical conditions are covered from the first day of enrolment without any waiting period.
• Cashless and Paperless Treatment: Eligible beneficiaries can receive treatment without making upfront payments at empanelled hospitals.
• No Family Size Restriction: There is no cap on the number of family members, age, or gender under eligible PMJAY households.
• Coverage of 1,900+ Treatment Packages: The scheme covers a wide range of medical and surgical procedures across specialities such as cardiology, oncology, orthopaedics, nephrology, and neurosurgery.
• Pre and Post-Hospitalisation Benefits: Coverage includes medical expenses incurred up to 3 days before hospitalisation and 15 days after discharge, including medicines and diagnostic tests.
• Nationwide Portability: Beneficiaries can avail cashless treatment at any empanelled hospital across India, regardless of their state of residence.
• Comprehensive Hospitalisation Coverage: PMJAY covers room charges, ICU expenses, surgeon and physician fees, medicines, diagnostic tests, operating theatre charges, implants, and other treatment-related costs.
• Financial Protection Against Medical Expenses: The scheme aims to reduce catastrophic healthcare expenditure and improve access to quality treatment for economically vulnerable households.

Pradhan Mantri Jan Arogya Yojana Registration (Apply Online)

Following is a step-by-step guide on how to register for the Pradhan Mantri Jan Arogya Yojana: 

Step 1: Visit the official PMJAY website.

Step 2: Click the 'Am I Eligible' tab from the top menu.

Step 3: Fill in the captcha code, mobile number, and OTP for verification.

Step 4: Fill in the same captcha and click 'Login'

Step 5: Select your state, district, and search criteria, then fill in all the details

Step 6: Your name will appear in the results if your family is eligible.

Step 7: If you do not have a PMJAY card, then click on the 'Apply' button under the column 'Action'

Step 8: Then authenticate your Aadhaar card through OTP received at your registered mobile number and fill in all the other required details

Step 9: Your Ayushman Bharat Yojana registration will be complete.

PMJAY Hospital List PDF download

After you register for the Ayushman Bharat Yojana, you can get cashless treatment for various diseases and procedures at any private or public hospitals empanelled under the PMJAY. You can click here to find the nearest empanelled hospital.

You can also download the PMJAY hospital list by clicking here to avail cashless medical treatment.

Pradhan Mantri Jan Arogya Yojana Inclusions And Exclusions

The PMJAY includes critical diseases and pre- and post-hospitalization expenses. Here is a list of diseases covered under the Ayushman Bharat Yojana:

• Coronary artery bypass grafting
• Skull base surgery
• Anterior spine fixation
• Double valve replacement
• Prostate cancer
• Pulmonary valve replacement
• Laryngopharyngectomy with gastric pull-up
• Carotid angioplasty with stent
• Tissue expander for burn-related disfigurement
• Beneficiaries can also avail of free COVID-19 testing and treatment under this scheme.

While this scheme provides financial support for most critical illnesses, specific treatments are not covered under PMJAY:

• Organ transplants
• Outpatient department (OPD) services
• Standalone diagnostic tests
• Cosmetic procedures
• Drug rehabilitation programs
• Fertility treatment

Pradhan Mantri Jan Arogya Yojana Eligibility Criteria

The eligibility criteria for registering on the Ayushman Bharat portal vary for rural and urban residents. Additionally, the Union Cabinet expanded the coverage of the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PMJAY) in September 2024 to include all senior citizens aged 70 and above.

I. Eligibility Criteria for Rural Households:

• D1: Residing in a single-room house with kutcha walls and roof
• D2: No adult members aged 16 to 59 years
• D3: Female-headed households with no adult male member aged between 16 and 59 years
• D4: A disabled member with no non-disabled adults in the household
• D5: Belonging to Scheduled Castes (SC) or Scheduled Tribes (ST)
• D7: Landless families primarily dependent on manual labour for income

II. Eligibility Criteria for Urban Households:

• Beggars
• Waste collectors
• Domestic workers
• Street vendors, hawkers, cobblers, and other street service providers
• Construction workers, labourers, plumbers, security guards, painters, masons, welders, coolies, and other manual workers
• Sanitation workers, gardeners, and maintenance staff
• Home-based workers, handicrafts workers, artisans, and tailors
• Transport workers, conductors, drivers, helpers, rickshaw pullers, and cart pullers
• Shop workers, attendants, delivery assistants, waiters
• Electricians, assemblers, mechanics, and repair workers
• Security personnel (chowkidars) and washermen

III. Eligibility Criteria for Senior Citizens

• Every senior citizen in India aged above 70 years in rural and urban areas, irrespective of income.
• Senior citizens covered under private health insurance policies or the Employees’ State Insurance (ESI) scheme
• Senior citizens already receiving benefits from other public health insurance schemes, such as the Ayushman Central Armed Police Force (CAPF), Central Government Health Scheme (CGHS), or Ex-Servicemen Contributory Health Scheme (ECHS) can switch to Ayushman Bharat PMJAY or continue with their current scheme

Documents For Pradhan Mantri Jan Arogya Yojana

Here is a list of documents needed for the Ayushman Bharat portal login process:

• Identity proof such as a driver's license, voter ID, or passport
• Proof of residence, including utility bills, passport, or voter ID
• Family information, including the name and Aadhaar number of each member
• Caste certificates for beneficiaries from specific categories
• Income certificate
• Bank account details

Pradhan Mantri Jan Arogya Yojana Card Download

Beneficiaries can apply for the Ayushman Bharat Yojana Card, which offers the convenience of paperless, cashless, and portable transactions under the PMJAY scheme. Simply present the card at any hospital for quick and easy service. Here's how you can download the Ayushman Bharat Card:

Step 1: Visit the official PMJAY website.

Step 2: Click the ‘Am I Eligible’ link from the top menu.

Step 3: Enter the captcha code, mobile number and OTP for verification purposes and click ‘Login’.

Step 4: Choose the ‘State’, ‘Sub scheme’ as ‘PMJAY’, ‘District’, ‘Search By’ and enter the required information and click ‘Search’.

Step 5: After logging, click the ‘Download Card’ button against your name.

Step 6: Select the ‘Aadhaar OTP’ option. Your Aadhaar number will be visible. Click ‘Verify’. 

Step 7: Tick the consent and click ‘Allow’. Enter the Aadhaar OTP and mobile OTP. Click on the download icon to download your Ayushman card.

How to Generate PM Jan Arogya Yojana Patient Card?

To obtain a PMJAY patient card, follow these steps after qualifying for PMJAY benefits:

Step 1: Visit the nearest Common Service Centre (CSC) or an empanelled hospital for PMJAY. 

Step 2: Present your ration card or Aadhaar card for verification at the PMJAY kiosk.

Step 3: Confirm the family details from the certified list using a PM letter and an RSBY card.

Step 4: Print the e-card with the unique AB PMJAY ID after verification.

Step 5: Use the e-card as valid proof for future use.

How to Check PMJAY Beneficiary List?

Follow the below steps to check PMJAY beneficiary list:

Step 1: Visit the official NHA beneficiary website.

Step 2: Enter the captcha code, mobile number and click ‘Verify’.

Step 3: Enter the OTP sent to your mobile number, captcha code and click ‘Login’.

Step 4: Choose the ‘State’, ‘Sub scheme’ as ‘PMJAY’, ‘District’, ‘Search By’ and enter your Family ID, Aadhaar number or PMJAY ID, captcha code and click ‘Search’.

Step 5: The PMJAY beneficiary list will be displayed on the screen.

Regular Health Insurance Plans Vs Government Health Insurance Scheme

Private insurance companies offer regular health insurance schemes, while government health insurance schemes are insurance coverages provided by the government for no or lower premiums, such as the PMJAY. Here are the differences between the two:

Benefits of Pradhan Mantri Jan Arogya Yojana 

PMJAY provides financial protection and access to quality healthcare for eligible beneficiaries across India.

• Up to ₹5 lakh health cover per family per year for secondary and tertiary hospitalisation.
• Cashless treatment at 36,000+ empanelled government and private hospitals.
• Coverage for pre-existing diseases from the first day of enrolment.
• No restriction on family size, age, or gender for eligible households.
• Coverage for 1,900+ treatment packages across multiple medical specialities.
• Nationwide portability, allowing treatment at empanelled hospitals anywhere in India.
• Pre-hospitalisation expenses covered for up to 3 days before admission.
• Post-hospitalisation expenses covered for up to 15 days after discharge.
• Comprehensive treatment coverage, including medicines, diagnostics, ICU charges, surgeries, implants, room rent, and doctor fees.
• Financial protection against high medical expenses, reducing out-of-pocket healthcare costs for vulnerable families.
• Separate PMJAY coverage for senior citizens aged 70 years and above under the Ayushman Vay Vandana initiative.
• Paperless and Aadhaar-based verification process for faster access to healthcare services.

Pradhan Mantri Jan Arogya Yojana (PMJAY) is one of India's largest government-funded health insurance schemes, providing cashless healthcare coverage of up to ₹5 lakh per family per year. Eligible beneficiaries can complete e-KYC, download their Ayushman Card, and avail cashless treatment at empanelled hospitals nationwide.

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