Pradhan Mantri Jan Arogya Yojana (PM-JAY)
Kartavya Desk Staff
Source: TOI
Context: At the National Health Authority (NHA) Conclave 2025 held in Bhopal, Chhattisgarh was awarded as the best-performing state in implementing the Pradhan Mantri Jan Arogya Yojana (PM-JAY) for achieving near-zero claim pendency.
About Pradhan Mantri Jan Arogya Yojana (PM-JAY):
• What it is? PM-JAY, a component of Ayushman Bharat, is the world’s largest government-funded health assurance scheme, providing free secondary and tertiary healthcare to India’s poorest families.
• PM-JAY, a component of Ayushman Bharat, is the world’s largest government-funded health assurance scheme, providing free secondary and tertiary healthcare to India’s poorest families.
• Launch: Launched on 23rd September 2018 in Ranchi, Jharkhand.
• 2025 Best State Implementation: Chhattisgarh topped national rankings with 97% empanelled hospitals active, 32,000+ audits for fraud control.
• Aim: To provide cashless and paperless access to quality healthcare for 12 crore vulnerable families (≈55 crore people) covering the bottom 40% of the Indian population, and to prevent catastrophic medical expenditure that pushes millions into poverty annually.
• To provide cashless and paperless access to quality healthcare for 12 crore vulnerable families (≈55 crore people) covering the bottom 40% of the Indian population, and to prevent catastrophic medical expenditure that pushes millions into poverty annually.
• Key Features: ₹5 lakh annual health cover per family on a family floater basis (no limit on family size, age, or gender). Cashless treatment across public and private empanelled hospitals nationwide. Covers 1,929 medical procedures, including diagnostics, surgery, implants, ICU, and medicines. Includes 3 days of pre-hospitalisation and 15 days of post-hospitalisation care. Portability: Benefits can be availed in any empanelled hospital across India. Pre-existing diseases covered from day one. Fully funded by Government — cost shared between Centre and States.
• ₹5 lakh annual health cover per family on a family floater basis (no limit on family size, age, or gender).
• Cashless treatment across public and private empanelled hospitals nationwide.
• Covers 1,929 medical procedures, including diagnostics, surgery, implants, ICU, and medicines.
• Includes 3 days of pre-hospitalisation and 15 days of post-hospitalisation care.
• Portability: Benefits can be availed in any empanelled hospital across India.
• Pre-existing diseases covered from day one.
• Fully funded by Government — cost shared between Centre and States.
• PM-JAY Beneficiaries: Eligibility under PM-JAY is primarily based on SECC-2011 data, expanded to include senior citizens aged 70+ years.
• Eligibility under PM-JAY is primarily based on SECC-2011 data, expanded to include senior citizens aged 70+ years.