Ayushman Bharat Yojana 2025: ₹5 Lakh Free Health Insurance Scheme Details

📌 Overview: India’s Largest Free Health Insurance Scheme

Ayushman Bharat Yojana 2025: The Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) is India’s largest health assurance scheme, offering free medical treatment up to ₹5 lakh per family, per year. Launched by the Government of India in 2018, it has changed the lives of over 50 crore Indians—especially those from low-income or vulnerable households.

If you are part of the unorganised sector or belong to an economically weaker background, this scheme ensures you never have to worry about high hospital bills again.

🏥 What is PM-JAY – Ayushman Bharat Yojana 2025?

Ayushman Bharat Yojana 2025, introduced under the National Health Policy 2017, aims to provide Universal Health Coverage (UHC) to all. It has two key components:

Health and Wellness Centres (HWCs) – For basic health checkups and preventive care.
PM-JAY – For free hospitalisation and advanced treatment.

Launched on 23rd September 2018, the scheme covers 10.74 crore families (approx. 50 crore individuals) based on Socio-Economic Caste Census (SECC 2011) data.

✅ Key Features & Benefits of PM-JAY 2025

Benefit	Details
Health Cover	₹5,00,000 per family per year
Treatment Coverage	Secondary and tertiary care (hospitalization & surgery)
Family Size Limit	No limit – all members are covered
Age Limit	No age restriction
Pre-existing Diseases	Covered from day one
Mode of Treatment	100% Cashless & Paperless at empanelled hospitals
Hospital Network	25,000+ private and government hospitals across India

👉All services, including medicines, diagnostics, ICU, surgeries, and food, are covered.

👥 Ayushman Bharat Yojana 2025 Eligibility Criteria

✅ For Rural Families:

If your family falls under one or more of the following categories, you’re eligible:

Lives in a one-room home with mud walls and roof
No adult (16–59 years) in the household
No adult male member
Family with disabled members and no caregiver
SC/ST households
Manual labourers with no land ownership
Automatically included if destitute, bonded labour, or manual scavenger

✅ For Urban Workers:

These job categories are eligible:

Street vendors, ragpickers, domestic workers
Construction workers, painters, electricians, plumbers
Drivers, rickshaw pullers, delivery boys, waiters
Sanitation workers, mechanics, tailors

🚫 Who is NOT eligible?

You’re excluded from Ayushman Bharat Yojana 2025 if:

You own a car, two-wheeler, or fishing boat
Your monthly income exceeds ₹10,000
You own over 5 acres of land
You work for the government or pay income tax
Your house is well-built and has a fridge or landline
You hold a Kisan Credit Card with a limit above ₹50,000

📝 ⁣Ayushman Bharat Yojana Registration Process 2025

🔹 Offline Method (CSC or Hospital Visit)

To apply, visit a nearby Common Service Centre (CSC) or empanelled hospital with:

Aadhaar card
Ration Card
Mobile number

The Arogya Mitra will:

Search your name in the SECC list
Verify your documents
Upload scanned ID proofs
Issue your PM-JAY e-card

🎟️ This e-card allows you to get free treatment at all Ayushman Bharat hospitals.

🔹 Online Registration (Coming Soon)

The government is working on self-registration via:

📂 Documents Required for PM-JAY Registration

Document Type	Examples
Identity Proof	Aadhaar / PAN / Voter ID
Address Proof	Aadhaar, Utility Bill, etc.
Family Identification	Ration Card
Income & Caste Certificate	For eligibility validation
Mobile Number	For updates & OTP verification

🏥 Where Can You Get Free Treatment?

Ayushman Bharat Yojana 2025 has 25,000+ empanelled hospitals—both private and public. You can get treatment anywhere in India, not just your home state.

✅ Search your nearest hospital here: https://hospitals.pmjay.gov.in

📞 PM-JAY Helpline & Support

National Helpline: 14555 or 1800-111-565
Email Support: info@pmjay.gov.in
Visit: https://pmjay.gov.in

❓ Frequently Asked Questions (FAQs)

Q1. What is Ayushman Bharat Yojana 2025 ?
Ayushman Bharat is a government health scheme that provides ₹5 lakh insurance to low-income families for free treatment in public and private hospitals.

Q2. How to check if I’m eligible?
Visit the PM-JAY website, call 14555, or visit a nearby CSC with your Aadhaar and ration card.

Q3. Can I use Ayushman Bharat in another state?
Yes, PM-JAY is a pan-India scheme. You can get treatment in any empanelled hospital, anywhere in the country.

Q4. Are pre-existing conditions covered?
Yes! All diseases, even if diagnosed before enrolment, are covered from day one.

Q5. Is there a cost to register or use the scheme?
No. The entire process is 100% free, including treatment.

🌟 ⁣Why Ayushman Bharat Matters in 2025

Ayushman Bharat Yojana 2025: Healthcare is a basic right—not a privilege. For millions who can’t afford even basic surgeries, Ayushman Bharat is a game-changer. It removes the financial burden of hospital bills and ensures your loved ones never go untreated.

If you’re eligible—or know someone who is—apply today and secure your family’s health.