To achieve the vision of Universal Health Coverage (UHC), the Government of India has launched a new healthcare scheme known as ‘Pradhan Mantri Jan Arogya Yojana 2025’ for low-income families who can’t afford quality medical treatments. This scheme is also known as the PM Ayushman Bharat Yojana 2025. Under this scheme government provides financial assistance for primary and secondary healthcare treatments at empaneled hospitals.
By offering this scheme government aims to allow residents that they can avail quality medical facilities without any financial hurdle and improve their quality of life. If you’re a resident and wish to avail health care benefits from this scheme by applying for it online so continue reading this article to know the complete process, including eligibility, documents, and the process of online application.
What is Pradhan Mantri Jan Arogya Yojana 2025?
“Pradhan Mantri Jan Arogya Yojana (PMJAY)” is one of the widely accepted health insurance scheme, designed by the Government of India for the low-income families who are unable to receive quality medical treatments at empaneled hospitals due to high-cost medical expenses.
Under this scheme government provides cashless treatment for up to Rs 5 lakh per family per annum for secondary and tertiary hospitalization. By offering this Pradhan Mantri Jan Arogya Yojana 2025, government aims to allow residents so that they are able to get quality medical facilities irrespective of their income, reduce out-of-pocket expenses, and improve their quality of life.
Objective of the PMJAY Scheme
The primary objective of this Pradhan Mantri Jan Arogya Yojana 2025 is to provide financial assistance to economically weaker sections of society who are struggling with financial problems and due to unable to get quality medical treatments at empaneled hospitals.
Under this scheme government provides financial assistance to deserving candidates so that they are able to cover their medical expenses and receive cashless healthcare treatments at empaneled hospitals. By offering this scheme government aims to allow residents that they can avail quality medical facilities without any financial hurdle and improve their quality of life.
Key Features of Pradhan Mantri Ayushman Bharat Yojana 2025
| Scheme Name | Pradhan Mantri Jan Arogya Yojana 2025 |
| First Launched on | 23rd September 2018. |
| Location | In Ranchi, Jharkhand |
| Launched by | Honorable Prime Minister Mr. Narendra Modi. |
| Governing body | Government of India. |
| Year of Releasing | 2025-26 |
| Objective | To provide financial assistance to economically weaker sections of society who are struggling with financial problems and due to unable to get quality medical treatments at empaneled hospitals. |
| Financial Benefits | Up to Rs.5 lakhs |
| Coverage | Over 12 crores poor and vulnerable families (approximately 50 crore beneficiaries) that form the bottom 40% of the Indian population. |
| Scheme type | Health Insurance Services |
| Beneficiary | Citizens of India. |
| Mode | Online |
| Official Website | beneficiary.nha.gov.in or pmjay.gov.in |
Eligibility Criteria (Rural Area)
- Applicant must be a permanent resident of rural India.
- Applicants with only one room with kutcha walls and a kutcha roof are able to apply
- Applicants with no adult member between the ages of 16 to 59 are able to apply
- Rural households with no adult male member between the ages of 16 to 59 can apply
- Applicants who a disabled members and have no able-bodied adult members are able to apply for the card
- Applicants belonging to the SC/ST category in rural areas can also be eligible to apply for the same.
- Applicant who are landless households deriving a major part of their income from manual casual labor are able to apply for the card.
Eligibility Criteria (Urban Area)
Applicants engaged in one of the 11 following occupations are eligible to apply, these are as mentioned below
- Ragpicker
- Beggar
- Domestic worker
- Street vendor/ Cobbler/hawker / other service provider working on the streets
- Construction worker/ Plumber/ Mason/ Labour/ Painter/ Welder/ Security guard/ Coolie and other head-load workers
- Sweeper/ Sanitation worker/ Mali
- Home-based worker/ Artisan/ Handicrafts worker/ Tailor
- Transport worker/ Driver/ Conductor/ Helper to drivers and conductors/ Cart puller/ Rickshaw puller
- Shop worker/ Assistant/ Peon in small establishment/ Helper/Delivery assistant / Attendant/ Waiter
- Electrician/ Mechanic/ Assembler/ Repair worker
- Washer-man/ Chowkidar
Exclusion Criteria
- Applicant who owns a two, three, or four-wheeler or a motorized fishing boat.
- Applicant who owns mechanized farming equipment.
- Applicants who have Kisan cards with a credit limit of ₹50,000/- can’t apply for the same
- Applicant who either works in government-managed non-agricultural enterprises or as government servants in government offices are unable to apply.
- Annual income more than₹10,000/- is ineligible to apply for the scheme.
- Applicants owning refrigerators and landlines are unable to apply for the same
- Applicant who has 5 acres or more of agricultural land are not able to apply.
List of Services Covered Under PMJAY
Here is a list of medical services covered under PM Ayushman Bharat Yojana 2025, and these are as listed below:-
- Medical examination, treatment, and consultation
- Pre-hospitalization
- Medicine and medical consumables
- Non-intensive and intensive care services
- Diagnostic and laboratory investigations
- Medical implantation services (where necessary)
- Accommodation benefits
- Food services
- Complications arising during treatment
- Post-hospitalization follow-up care up to 15 days
Benefits of PMJAY
- Cashless Treatment:- Under this scheme government provides financial assistance of Rs 5 lakh to eligible citizens for secondary and tertiary hospitalization across public and private empaneled hospitals in India.
- Universal Health Coverage:- By offering this scheme government aims to achieve a vision of Universal Health Care for all the residents across the country.
- Target:- Under this scheme, the government targets economically weaker sections of society who are struggling with financial problems and due to unable to get quality medical treatments at empaneled hospitals.
- Get Quality Treatment:- Through the help of this scheme, every financially unstable citizen are able to get quality medical treatments at empaneled hospitals without any financial worries.
Required Documents
- Aadhar Card
- Resident Proof
- Bank Details
- Birth Certificate
- Caste Certificate
- Income Certificate.
- Passport-Sized Photograph
- PAN Card
- Phone Number
Salient Features
- Cover Medical Expenses:- Under this scheme government covers all the necessary medical expenses of selected beneficiaries.
- Wide Coverage:- Under this, over 12 crores poor and vulnerable families (approximately 50 crore beneficiaries) are covered, which forms the bottom 40% of the Indian population.
- Components of PMJAY:- There are two components of PMJAY first is Health and Wellness Centre (HWCs), and the second is the Pradhan Mantri Jan Aarogya Yojana (PMJAY).
- Target Groups:- This scheme is available for all the residents of India, there is no restriction on family size, age, or gender.
How to Apply Online for PMJAY?
To apply online for PMJAY, the applicant needs to follow these steps:-
- After clearing all the eligibility requirements, the applicant needs to visit the official PMJAY website.
- The homepage of the official website will appear on the screen.
- Now the applicant needs to click on the option called “Apply Now.”
- As the applicant clicks, a new application form will open on the screen.
- Now the applicant needs to enter all the asked details.
- Once, quickly check all the details carefully.
- At last, click on the Submit option to complete the process.
Login Process
- First of all, visit the official website.
- Once the applicant reaches the home page of the official website, they need to locate and click on the Login
- As the applicant clicks, a login page will appear on the screen.
- Now, enter all the login credentials, such as username, mobile number, along the captcha code
- Quickly review all the details carefully.
- Click on the Login option to complete the process.
Also Read:-PM Kisan Samman Nidhi Yojana
How to Download PMJAY/ PMABY Golden Card 2025?
- First of all applicant needs to visit the official website of https://beneficiary.nha.gov.in/
- Once the applicant reaches the homepage of the official website, they need to click on the login button after entering the mandatory details like Aadhar Card No, Mobile No., OTP, etc.
- Now, choose your state, scheme, and enter all the asked details, including Aadhar Number, Captcha code, etc, and click on the Search button to download the “Golden Card” in your device.
- Now click on the Download icon.
- As the applicant clicks, an OTP is triggered on your registered mobile number.
- Enter the (OTP) carefully.
- At last, click on download to print the PM Ayushman Bharat Yojana Golden Card 2025.
- Now, take a printout of your Ayushman Bharat Yojana Golden Card.
Helpline Number
Dial:- 14555
FAQs
Which Government launched Pradhan Mantri Jan Arogya Yojana 2025?
- The Government of India has launched PMJAY.
How can I log in to Pradhan Mantri Jan Arogya Yojana?
- To log in for the PMJAY, you need to visit the official portal, fill in the required login details, and then click on the Login button.
Is it necessary to be an Indian resident for Pradhan Mantri Jan Arogya Yojana?
- Yes, only residents of India can apply for Pradhan Mantri Jan Arogya Yojana.
What are the benefits of PMJAY?
- Under this scheme government provides financial assistance of Rs 5 lakh to eligible citizens for secondary and tertiary hospitalization across public and private empaneled hospitals in India.