PM-JAY (Health Insurance): Who Qualifies and What You Get
Learn how this government health insurance scheme provides annual coverage for low-income families in India.
PM-JAY is a government health insurance scheme designed to provide financial protection for medical expenses to families in need.
Who it's for
This scheme is intended for low-income families. Eligibility is determined based on specific socio-economic data collected by the government.
What you get
Each eligible family receives an annual health cover of ₹5 lakh. This coverage is meant to help manage significant medical costs over the course of a year.
What it costs you
There is no cost to use this scheme; it is free. However, you must go through an eligibility verification process to confirm you qualify for the benefits.
The catch to know
Because eligibility is tied to specific income brackets, many professionals in higher-income categories may find they are ineligible. It is still recommended to check your status to be certain.
How to apply
- Check your eligibility using the official government data.
- Gather any required identification documents.
- Visit a local center or use the digital portal to verify your status.
- Obtain your Ayushman card once your eligibility is confirmed.