Core hospitalization coverage and financial protection
AB PM-JAY is designed to eliminate catastrophic out-of-pocket health expenditure for bottom-quintile households across India.
- Covers medical examination, consultation, treatment, surgical procedures, and intensive care stays.
- Provides pre-hospitalization coverage up to three days and post-hospitalization care up to fifteen days.
- Covers diagnostic tests, prescription medications, hospital room charges, and medical consumables.
- All pre-existing medical conditions are covered from the first day of enrolment without waiting periods.
Eligibility verification and demographic targeting
Entitlement is determined based on deprivation and occupational criteria outlined in official government databases.
- Rural households identified via Socio-Economic and Caste Census (SECC) deprivation categories or state NFSA ration lists.
- Urban families categorized under identified informal worker and vulnerable occupational groups.
- No restriction on family size, gender, or age of family members.
- Citizens can verify their name on the official beneficiary portal (beneficiary.nha.gov.in) using their Aadhaar or ration card.
Ayushman card generation and hospital access
Beneficiaries can generate their digital Ayushman card at community health centres, Common Service Centres (CSCs), or via the Ayushman app. Upon visiting an empanelled healthcare facility, the on-site Ayushman Mitra assists with biometric authentication, admission, and cashless treatment clearance.
Official source
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National Health Authority (Govt of India) ↗Related on KisanPe
Common questions
Who is eligible for an Ayushman Bharat PM-JAY card?
Families listed in the Socio-Economic and Caste Census (SECC) database or active NFSA ration card databases approved by state health authorities are eligible.
Is treatment under Ayushman Bharat available in private hospitals?
Yes, cashless treatment is accessible across all government hospitals and empanelled private hospitals nationwide.
What is the role of an Ayushman Mitra at the hospital?
Ayushman Mitras are hospital helpdesk coordinators who verify beneficiary cards, assist with electronic admission, and coordinate cashless claim approvals.
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