Services include approximately 1,393 procedures covering all the costs related to treatment, including but not limited to drugs, supplies, diagnostic services, physician's fees, room charges, surgeon charges, OT and ICU charges etc.a beneficiary can visit any empanelled public or private hospital in India to avail cashless treatment. Benefits of the scheme are portable across the country i.e.All pre–existing conditions are covered from day one.There is no restriction on the family size, age or gender.It covers up to 3 days of pre-hospitalization and 15 days post-hospitalization expenses such as diagnostics and medicines.PM-JAY envisions to help mitigate catastrophic expenditure on medical treatment which pushes nearly 6 crore Indians into poverty each year.PM-JAY provides cashless access to health care services for the beneficiary at the point of service, that is, the hospital.Over 10.74 crore poor and vulnerable entitled families (approximately 50 crore beneficiaries) are eligible for these benefits.5 lakhs per family per year for secondary and tertiary care hospitalization across public and private empanelled hospitals in India. PM-JAY is the world’s largest health insurance/ assurance scheme fully financed by the government.PM-JAY is fully funded by the Government and cost of implementation is shared between the Central and State Governments.

The coverage mentioned under PM-JAY, therefore, also includes families that were covered in RSBY but are not present in the SECC 2011 database. It subsumed the then existing Rashtriya Swasthya Bima Yojana (RSBY) which had been launched in 2008. PM-JAY was earlier known as the National Health Protection Scheme (NHPS) before being rechristened. The households included are based on the deprivation and occupational criteria of Socio-Economic Caste Census 2011 (SECC 2011) for rural and urban areas respectively. 5 lakhs per family per year for secondary and tertiary care hospitalization to over 10.74 crores poor and vulnerable families (approximately 50 crore beneficiaries) that form the bottom 40% of the Indian population. This scheme was launched on 23rd September, 2018 in Ranchi, Jharkhand by the Hon’ble Prime Minister of India, Shri Narendra Modi.Īyushman Bharat PM-JAY is the largest health assurance scheme in the world which aims at providing a health cover of Rs. The second component under Ayushman Bharat is the Pradhan Mantri Jan Arogya Yojna or PM-JAY as it is popularly known. Pradhan Mantri Jan Arogya Yojana (PM-JAY)

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