Last Updated: 16 Oct 2025

Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana (AB PM-JAY)

Scheme provides health coverage to 12 crore vulnerable families, aiming to achieve Universal Health Coverage and reduce financial burden from catastrophic hospital expenses.

Quick Facts

  • Purpose: To achieve the vision of Universal Health Coverage (UHC)
  • Type: Centrally Sponsored Scheme
  • Target: 12 crore families
  • Components: Ayushman Arogya Mandir; Pradhan Mantri Jan Arogya Yojana (PM-JAY)

Objectives          

  • Holistically address the healthcare system (covering prevention, promotion and ambulatory care) at the primary, secondary and tertiary level.
  • To reduce the financial burden on poor and vulnerable groups arising out of catastrophic hospital episodes and ensure their access to quality health services.

Salient features

  • Background: Recommended by the National Health Policy 2017.
  • Benefits: Refer to the Infographic
  • Ayushman Arogya Mandir (earlier Health and Wellness Centre)
    • 1,50,000 Ayushman Arogya Mandir will be created to deliver Comprehensive Primary Health Care (CPHC), that is universal and free to users.
    • Focus: Wellness and the delivery of an expanded range of services closer to the community
    • Funding: Through National Health Mission (NHM)
  • Pradhan Mantri Jan Arogya Yojana (PM-JAY)
    • Background: The erstwhile National Health Protection Scheme (NHPS) has been rechristened as PM-JAY. It is the largest health assurance scheme in the world.
    • Beneficiaries:
      • Identified through Socio-Economic Caste Census-2011 (SECC-2011).
      • Also, families that were covered under Rastriya Swasthya Bima Yojana (RSBY) but did not form part of the SECC-2011.
      • All senior citizens of the age 70 years and above.
A graphic titled 'AB PM-JAY Update: Expanded Coverage for Senior Citizens' highlighting key features:  Free Health Insurance: ₹5 lakh per family for citizens aged 70+.  Extra Coverage: Seniors in AB PM-JAY families get an additional ₹5 lakh.  Family without PM-JAY Coverage: ₹5 lakh per year for seniors without AB PM-JAY coverage.  Scheme Flexibility: Option to opt for AB PM-JAY or retain CGHS, ECHS, CAPF coverage.  Private Insurance Holders Eligible: Includes those with private or ESIC coverage.  Ayushman Vay Vandana Card: Special card for senior citizens
  • 3 modes of implementation
    • Insurance: SHA pays premium to the insurance company per eligible family for the policy period.
    • Assurance/Trust: SHA directly reimburse the healthcare providers.
    • Mix: Mix of above two.
  •  Implementing Agencies:
    • National Health Authority (NHA) an autonomous body chaired by the Union Minister of Health & Family Welfare.
    • State: SHA headed by a CEO appointed by the state government.
    • District: District Implementing Unit (DIU) chaired by DC/DM/Collector of the district.
  • Transparency and accountability:
    • 4 modes of verification of beneficiaries-Aadhar based e-KYC, Finger print, iris scan, and face authentication
    • Whistle Blower Policy issued by the NHA.
    • Anti-Fraud Cell in the state for carrying out surprise inspections, imposing penalties, de-empanelment, etc.
  • Key initiatives
    • Ayushman Bhava campaign: It aims to saturate coverage of health services through its three components
      • Ayushman - Apke Dwar 3.0,
      • Ayushman Melas at Ayushman Arogya Mandir and Community Health Centres (CHCs) and
      • Ayushman Sabhas in every village and panchayat  
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