About the Scheme
PM-JAY is the world's largest health assurance scheme providing health insurance of ₹5 lakh per year per family for secondary and tertiary hospitalisation. From September 2024, extended to ALL senior citizens aged 70+ years regardless of income. Over 42 crore Ayushman cards issued; 33,000+ hospitals empanelled; ₹1.52 lakh crore saved in out-of-pocket expenses.
Target Beneficiaries: 12 crore poor and vulnerable families (~55 crore individuals); ALL senior citizens 70+ years (from Sep 2024); 42 crore Ayushman cards issued
Key Features
- Health insurance coverage of ₹5 lakh per family per year
- Covers 1,929+ medical procedures including surgery, medical, and day-care
- 33,000+ public and private hospitals empanelled across India
- Extended to ALL senior citizens 70+ years irrespective of income (Sep 2024)
- Cashless and paperless access — no enrollment needed at hospital
- ₹1.52 lakh crore saved in out-of-pocket expenses since inception
- Budget FY2025-26: ₹9,406 crore (29% increase from FY2024-25)
Eligibility Criteria
- Families identified through Socio-Economic Caste Census (SECC) 2011
- All Scheduled Caste/Scheduled Tribe families
- Rural families meeting deprivation criteria
- Urban families in specific occupational categories