Ayushman Bharat Yojana, also known as PM-JAY (Pradhan Mantri Jan Arogya Yojana), is one of the largest health insurance schemes in the world. Launched by the Government of India, it offers free health coverage to over 10 crore poor and vulnerable families.
In 2025, the scheme has introduced new benefits to help families get even more out of this initiative. Let’s explore all the latest updates and benefits under the Ayushman Bharat Yojana.
1. ₹5 Lakh Free Health Insurance Per Family
Each eligible family gets ₹5 lakh health insurance coverage every year. This amount can be used for hospitalization, surgery, diagnostics, and treatment in both private and government hospitals. It covers over 1,500+ treatments and procedures, including major diseases like cancer, kidney failure, heart surgeries, etc.
2. Cashless Treatment Across India
Families can now avail cashless and paperless treatment in more than 28,000 hospitals across the country. Patients don’t need to pay any amount from their pocket. Just show your Ayushman Card and get free treatment.
3. No Cap on Family Size, Age, or Gender
There is no limit on the number of family members covered. Whether it’s newborns, senior citizens, or pregnant women—everyone in the family is covered under one Ayushman Bharat Card.
4. Free Treatment for Over 1,500+ Medical Conditions
The scheme covers over 1,500 medical procedures like:
- Heart Bypass Surgery
- Kidney Dialysis
- Cancer Treatment
- Fracture Surgery
- Normal Delivery & C-section
- ICU care & COVID-related hospitalization
5. Pre-Hospitalization and Post-Hospitalization Coverage
Under the new guidelines, Ayushman Bharat now covers:
- Pre-hospitalization expenses (up to 3 days before admission)
- Post-hospitalization expenses (up to 15 days after discharge)
Including medicines, lab tests, and follow-up care.
6. Free Diagnostics and Medicines
The scheme covers the cost of lab tests, diagnostics (X-ray, MRI, blood tests), and medicines during and after treatment—at no extra charge for the family.
7. Transport Allowance for Patients
If the patient needs to travel from a remote village to a hospital, the scheme provides a transportation allowance as part of its benefits.
8. Easy Online Verification and Card Download
Families can now check eligibility, register online, and download their Ayushman Bharat Card directly from the official portal or nearby CSC (Common Service Center).
9. Covers Pre-existing Illnesses Too
From the very first day, the scheme also covers pre-existing diseases like diabetes, BP, cancer, etc. No prior check-up or health certificate is needed.
10. Special Support for Women, Elderly & Children
Ayushman Bharat Yojana gives special focus to:
- Pregnant women (Free delivery & maternity care)
- Senior citizens (Geriatric care, joint replacement)
- Children (Vaccination, pediatric care, surgeries)
Who is Eligible?
- Families listed in SECC 2011 (Socio-Economic Caste Census)
- Ration cardholders, manual laborers, SC/ST households
- Homeless people, tribal families, and daily wage workers
- No income or age limit
How to Check Your Name Online
- Visit: https://pmjay.gov.in/
- Click on “Am I Eligible”
- Enter your mobile number and verify via OTP
- Check if your family is listed
- Visit nearest CSC to get your Ayushman Bharat Card
Final Thoughts
The Ayushman Bharat Yojana is truly a game-changer for millions of Indian families who cannot afford expensive healthcare. With free insurance, cashless hospitals, and wider coverage, this scheme is saving lives and offering health security to those who need it most.
Stay informed and share this information with others. If your family is eligible, apply today and get your Ayushman Card!
Also Read : Eligibility Criteria for PM Kisan Samman Nidhi Yojana: Who Can Apply?