Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY)
India's national flagship health assurance program providing ₹5 Lakh annual cashless treatment for secondary and tertiary care.
🛡️मुख्य लाभ एवं सुरक्षा विवरण (Key Benefits)
Cashless hospitalization up to ₹5,00,000 per family per year across 29,000+ empaneled public and private hospitals nationwide. Covers 1,949 medical and surgical procedures, including ICU, pre-hospitalization (3 days), post-hospitalization (15 days), medicines, and diagnostics. No capping on family size, gender, or age.
📋पात्रता की शर्तें (Eligibility Rules)
Families classified as deprived or occupational categories in the Socio-Economic and Caste Census (SECC 2011) database, active NFSA Antyodaya Anna Yojana (AAY) and Priority Household (PHH) ration card holders, and all senior citizens aged 70+ irrespective of family income.
📂आवश्यक दस्तावेज (Required Documents)
Aadhaar Card, Active Ration Card (NFSA/State Food Security), Mobile linked with Aadhaar for OTP verification, or Government identity certificate.
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Caveats & Policy Exclusions)
Outpatient (OPD) clinic consultations and daily routine medications are NOT covered. General ward only; private ward admissions are excluded. Routine dental and cosmetic procedures are strictly excluded. Strict biometric pre-authorization required before planned surgeries.
🚀आवेदन एवं दावा प्रक्रिया (How to Apply & Claim)
1. Check family eligibility on beneficiary.nha.gov.in or via the Ayushman App. 2. Complete Aadhaar e-KYC online or visit nearest CSC/Arogya Mitra at empaneled hospital. 3. Download the Ayushman PVC Card or digital Ayushman Card. 4. Present card at hospital Ayushman Helpdesk during admission for cashless treatment.