PMJAY Scheme: A Comprehensive Overview of Free Treatment for All


In an effort to ensure universal healthcare access and alleviate the burden of medical expenses on financially disadvantaged individuals, the Government of India introduced the Pradhan Mantri Jan Arogya Yojana (PMJAY) scheme. Launched in September 2018, PMJAY aims to provide free treatment to millions of eligible beneficiaries across the country. This article provides a brief but detailed explanation of the PMJAY scheme, its objectives, and how it benefits individuals in need of medical care.

What is PMJAY?

The Pradhan Mantri Jan Arogya Yojana (PMJAY), also known as Ayushman Bharat or the National Health Protection Scheme, is a flagship healthcare initiative of the Indian government. The scheme seeks to provide financial protection to over 50 crore individuals and their families, ensuring access to quality healthcare services without incurring any out-of-pocket expenses.


Objectives of PMJAY:

The PMJAY scheme has several key objectives:

a. Universal Healthcare Access: PMJAY aims to provide access to healthcare services for all citizens, irrespective of their socioeconomic status or location.

b. Financial Protection: The scheme aims to protect vulnerable families from catastrophic healthcare expenditures by providing free treatment for a wide range of medical conditions.

c. Empowering Women: PMJAY emphasizes the inclusion of women, ensuring they receive equal access to healthcare services.

d. Focus on Quality: The scheme focuses on enhancing the quality of healthcare services delivered to beneficiaries through empaneled public and private hospitals.

Eligibility Criteria:

To avail of the benefits under the PMJAY scheme, individuals must fulfill the following criteria:

a. Socioeconomic Status: The scheme primarily targets individuals belonging to economically weaker sections and vulnerable socio-economic groups.

b. Identification: Beneficiaries are identified through the Socio-Economic Caste Census (SECC) 2011 data, ensuring that those in need receive the necessary support.

Coverage and Benefits:

Under the PMJAY scheme, eligible beneficiaries are entitled to a range of benefits, including:

a. Inpatient Hospitalization: The scheme covers the cost of hospitalization, including room charges, medical procedures, diagnostics, and medication.

b. Pre- and Post-Hospitalization Expenses: PMJAY also covers expenses incurred during the 15 days prior to hospital admission and 15 days after discharge.

c. Daycare Procedures: Certain specified procedures that do not require overnight hospital stays are covered under the scheme.

d. Cashless Transactions: PMJAY adopts a cashless treatment approach, enabling beneficiaries to avail themselves of treatment without any upfront payments at empaneled hospitals.

Empaneled Hospitals:

PMJAY has a network of empaneled public and private hospitals across India. Beneficiaries can choose from these empaneled hospitals based on their preference and proximity. These hospitals are required to meet the necessary quality standards and provide treatment free of cost to eligible beneficiaries.

How to Avail the Benefits:

To avail of the benefits of PMJAY, beneficiaries can follow these steps:

a. Identification: Check if you are eligible for PMJAY based on the SECC 2011 data or reach out to the nearest PMJAY kiosk or Common Service Center (CSC) for assistance.

b. Verification: Get your eligibility verified and receive the necessary PMJAY e-card, which contains your unique identification details.

c. Hospital Visit: Choose an empaneled hospital of your preference and present your PMJAY e-card at the hospital’s registration desk during admission.

d. Treatment: Receive the required treatment without any payment at the empaneled hospital.


The Pradhan Mantri Jan Arogya Yojana (PMJAY) scheme has emerged as a significant step towards ensuring affordable and accessible healthcare for all in India. By providing free treatment and financial protection, PMJAY is making a positive impact on the lives of millions of beneficiaries, particularly those from economically vulnerable backgrounds. With the PMJAY scheme in place, individuals and families can now avail themselves of quality healthcare services without the fear of exorbitant medical expenses.

Remember, health is our greatest wealth, and PMJAY is working towards safeguarding it for all citizens of India.

Disclaimer: The information provided in this article is for educational purposes only and should not be considered as professional advice. Please consult with relevant authorities or healthcare professionals for accurate and up-to-date information on the PMJAY scheme.


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