Ayushman Bharat: How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) 2024


Ayushman Bharat: The Pradhan Mantri Jan Arogya Yojana (PMJAY), popularly known as the Ayushman Bharat Yojana, is a government initiative that provides healthcare amenities to the underprivileged segment of society.
On September 23, 2018, the Prime Minister launched the PMJAY program. This medical coverage.

program serves around 50 crore Indian citizens. There are already numerous success stories associated with the Ayushman Bharat card.

Pradhan Mantri Jan Arogya Yojana is the new name for the Ayushman Bharat Yojana, formerly known as the National Health Protection Scheme. This intends to make secondary and tertiary healthcare for the impoverished segments of society fully cashless.

Beneficiaries of the PM Jan Arogya Yojana receive an Ayushman Bharat card to receive care in any public or private hospital with accreditation across the nation. You can take advantage of the convenience of receiving cashless treatment just by strolling into a hospital with the PMJAY Yojana.

ayushman bharat

How to Apply Online for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)

Ayushman Bharat scheme and card (PMJAY) details SBI BANK

Every family is covered for Rs. 5 lakh annually by PMJAY, which makes it easier for those who are economically disadvantaged to get healthcare treatments. The main information on the Ayushman Bharat Yojana is provided below:

Launch date for PMJAYSeptember 23, 2018
Coverage (per family)

Rs. 5 lakh/year
Procedures covered1,400 procedures
Pre-hospitalisation expenses coverageUp to 3 days
Post-hospitalization expenses coverageUp to 15 days

PMJAY health cover categories: Eligibility criteria for rural and urban People

There are 2.33 crore households in urban regions and 8 crore families in rural areas, totaling 10 crore families.
Divided into more manageable parts, this implies that the program will try to serve 50 crore distinct recipients.
Applicants must fit into one of the following categories in order to be eligible: Lower Income Group, SC/ST, or https://licindia.in/home

EWS. You can use the official website’s ‘Am I Eligible‘ tool to find out if you qualify for an Ayushman card.

However, the program selects who is eligible to receive the health insurance benefit based on a set of prerequisites. In contrast, the majority of the deprivations listed in rural areas are related to inadequate housing, low income, and other factors.


The 71st round of the National Sample Survey Organisation reveals that a staggering 85.9% of rural
households do not have access to any healthcare insurance or assurance. Additionally, 24% of rural
families access healthcare facilities by borrowing money. Ayushman Bharat Yojana aims to help this
sector by providing yearly assistance of up to Rs. 5 lakh per family. The scheme will aid economically
disadvantaged families as per data in the Socio-Economic Caste Census 2011. Here too, households
enrolled under the Rashtriya Swasthya Bima Yojana (RSBY) will come under the ambit of the PM Jan
Arogya Yojana.
In the rural areas, the PMJAY health cover is available to:

  • Those living in scheduled caste and scheduled tribe households
  • Beggars and those surviving on alms
  • Families with no individuals aged between 16 and 59 years
  • Families with at least one physically challenged member and no able-bodied adult member
  • Landless households that make a living by working as casual manual laborers
  • Primitive tribal communities
  • Legally released bonded laborers
  • Families living in one-room makeshift houses with no proper walls or roof
  • Manual scavenger families


According to the National Sample Survey Organization (71st round), 82% of urban households do not have
health insurance. Further, 18% of Indians in urban areas have addressed healthcare expenses by
borrowing money in one form or another. Pradhan Mantri Jan Arogya Yojana helps these households
avail of healthcare services by providing funding of up to Rs. 5 lakh per family per year. PMJAY will benefit
urban workers’ families in the occupational category present in the Socio-Economic Caste Census 2011.
Further, any family enrolled under the Rashtriya Swasthya Bima Yojana will benefit from the PM Jan
Arogya Yojana.
In urban areas, those who can avail of the government-sponsored scheme consist mainly of:

  • Washerman/ watchmen
  • Rag pickers
  • Mechanics, electricians, and repair workers
  • Domestic help Godaddy
  • Sanitation workers, gardeners, and sweepers
  • Home-based artisans, handicraft workers, and tailors
  • Cobblers, hawkers, and other services provided on streets or pavements
  • Plumbers, masons, construction workers, porters, welders, painters, and security guards
  • Transport workers like drivers, conductors, helpers, carts, or rickshaw pullers
  • Assistants, peons in small establishments, delivery boys, shopkeepers, and waiters
  • People not entitled to health coverage under Pradhan Mantri Jan Arogya Yojana:
  • Those who own a two-, three-or four-wheeler or a motorized fishing boat
  • Those who own mechanized farming equipment
  • Those who have Kisan cards with a credit limit of Rs. 50000
  • Those employed by the government
  • Those who work in government-managed non-agricultural enterprises
  • Those earning a monthly income above Rs. 10,000
  • Those owning refrigerators and landlines
  • Those with decent, solidly built houses
  • Those owning 5 acres or more of agricultural land

How to Apply for Ayushman Bharat Yojana online?

PMJAY applies to all beneficiaries as identified by the SECC 2011 and those who are already part of the RSBY scheme. Here is how you can check your eligibility for the scheme through the National Health Authority portal and apply for it:

  • 1.Log in to their official website: mera.pmjay.gov.in
  • 2.Now enter your mobile number and the captcha code given on the screen.
  • 3.Enter the OTP that is sent to your registered mobile number, it will then take you to the PMJAY login screen
  • 4.Now select the state from which you are applying for this scheme
  • 5.Select how you want to check for your eligibility criteria: Mobile number, Name, 6. Ratio card number, or RSBY URN number
  • 7.Your name will reflect on the right-hand side of the page (if you are eligible)

Create Ayushman Health Card (Rural) – Click Here

Create Ayushman Health Card (Urban) – Click Here

How to check Ayushman Bharat Yojana eligibility online

To verify your eligibility for Ayushman Bharat online, adhere to the following steps:
Step 1: Go to the official website of Ayushman Bharat Yojana at https://www.pmjay.gov.in/
Step 2: Access the “Am I Eligible” section on the homepage.
Step 3: Input your mobile number and captcha code on the subsequent page, then click the “Generate
OTP” button.
Step 4: Enter the OTP received on your mobile and click the “Verify OTP” button.
Step 5: On the subsequent page, furnish essential information such as name, state, age, family members,
and income details.
Step 6: Once all details are entered, click the “Submit” button.

Check Eligibility and apply Online – Click Here

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