₹5L Free Health Cover: Are You Missing It?

Ayushman Bharat PMJAY offers free ₹5 lakh health cover to over 60 crore Indians. Millions of eligible families still haven't enrolled. Here's how to check if you qualify and how to use it.

Here's what happened: Ayushman Bharat PMJAY has now completed eight years of operation, funding cashless hospital treatment worth over ₹2 lakh crore across India since its launch.. The scheme covers more than 60 crore individuals from low-income households, offering up to ₹5 lakh per family per year at empanelled hospitals — with zero premium payable by the beneficiary.. Over 13 crore hospital admissions have been authorised under the scheme, including for serious conditions like cancer, heart surgery, dialysis, and orthopaedic procedures..

What you should do: Check your eligibility in 2 minutes at pmjay.gov.in — enter your mobile number or ration card details to see if your family is listed as a beneficiary.. Download your Ayushman Bharat e-card from the official portal or your nearest Common Service Centre (CSC) — hospitals need this card to process cashless admission.. If you are already covered, note the list of empanelled hospitals near you on the PMJAY portal before any medical emergency, so you go to the right facility from the start..

Even if your income has risen since 2011, PMJAY eligibility is locked to the original SECC survey list — check the database anyway, because many salaried families are surprised to find themselves listed.

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