PMJAY: Transforming Healthcare in India through Ayushman Bharat Yojana

As the world grapples with the ongoing pandemic, access to quality healthcare has become more important than ever. In India, the government has taken significant steps towards ensuring healthcare for all through various schemes, one of which is the Ayushman Bharat Yojana, also known as PMJAY (Pradhan Mantri Jan Arogya Yojana).

What is PMJAY?

PMJAY is a flagship healthcare scheme launched by the Government of India in 2018. Its primary objective is to provide financial protection to over 50 crore vulnerable individuals and families in India, covering both rural and urban areas. The scheme aims to ensure that no one is left behind when it comes to accessing healthcare services.

Key Features of PMJAY

PMJAY offers a range of benefits to its beneficiaries:

  • Health Insurance Coverage: Under PMJAY, eligible individuals and families are provided with health insurance coverage of up to Rs. 5 lakhs per family per year. This coverage includes medical expenses for hospitalization, surgeries, diagnostics, and post-hospitalization care.
  • Cashless Treatment: Beneficiaries can avail cashless treatment at empanelled hospitals across India. This ensures that financial constraints do not hinder access to quality healthcare.
  • Wide Network of Hospitals: PMJAY has a network of public and private hospitals, ensuring that beneficiaries have a wide range of healthcare facilities to choose from.
  • Preventive Healthcare: The scheme also focuses on promoting preventive healthcare by offering free screenings and health check-ups to beneficiaries.
  • Portability: PMJAY is portable across the country, allowing beneficiaries to avail healthcare services anywhere in India.

Target Beneficiaries

PMJAY primarily targets vulnerable sections of society, including:

  • Individuals from economically weaker sections
  • Rural and urban poor
  • Informal sector workers
  • Women
  • Children
  • Senior citizens
  • Disabled individuals

How to Check Eligibility?

Eligibility for PMJAY can be checked through various channels:

  • PMJAY official website: The official website of PMJAY provides an online eligibility checking tool where individuals can enter their details to check if they are eligible for the scheme.
  • Common Service Centers (CSCs): CSCs located across the country also provide assistance in checking eligibility for PMJAY.
  • Helpline Number: A toll-free helpline number is available for individuals to call and inquire about their eligibility.

Success and Impact

Since its launch, PMJAY has made significant progress in transforming healthcare in India:

  • Increased Healthcare Access: PMJAY has provided access to quality healthcare services to millions of individuals who were previously unable to afford it.
  • Reduced Out-of-Pocket Expenditure: The scheme has helped reduce the financial burden on families, especially those from economically weaker sections, by providing cashless treatment.
  • Improved Health Outcomes: By promoting preventive healthcare and early detection of diseases, PMJAY has contributed to improved health outcomes among beneficiaries.
  • Enhanced Infrastructure: PMJAY has led to the creation and strengthening of healthcare infrastructure across the country, ensuring better healthcare facilities for all.


PMJAY, through its Ayushman Bharat Yojana, has revolutionized healthcare in India by providing financial protection and access to quality healthcare services to millions of vulnerable individuals and families. The scheme’s focus on preventive healthcare and its wide network of hospitals have contributed to improved health outcomes and reduced financial burden on families. PMJAY is a significant step towards achieving the goal of universal healthcare in India and ensuring that no one is left behind when it comes to healthcare access.

Meta Description: PMJAY, also known as Ayushman Bharat Yojana, is a flagship healthcare scheme launched by the Government of India. This blog explores the key features, eligibility criteria, and impact of PMJAY in transforming healthcare in India.