PMJAY CSC Cloud:PM Jan Arogya Yojana Ayushman Bharat

Pradhan Mantri Jan Arogya Yojana:

Ayushman Bharat Yojana or Pradhan Mantri Jan Arogya Yojana (PMJAY) or National Health Protection Scheme is a centrally sponsored scheme launched in 2018, under the Ayushman Bharat Mission of MoHFW in India.

The scheme aims at making interventions in primary, secondary and tertiary care systems, covering both preventive and promotive health, to address healthcare holistically. It is an umbrella of two major health initiatives namely, Health and Wellness centres and National Health Protection Scheme (NHPS).

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AB-PMJAY is an entitlement based scheme with entitlement decided on the basis of deprivation criteria in the SECC database.

The different categories in rural and urban areas include.
    1. Families having only one room with kucha walls and kucha roof.
    2. Families having no adult member between age 16 to 59.
    3. Female headed households with no adult male member between age 16 to      59.
    4. Disabled member and no able bodied adult member in the family,
    5. SC/ST households:
    6. Landless households deriving major part of their income from manual casual labour,
    7. Families in rural areas having any one of the following: households without shelter, destitute, living on alms, manual scavenger families, primitive tribal groups, legally released bonded labour.
    8. For urban areas, 11 defined occupational categories are entitled under the scheme - Occupational Categories of Workers, Rag picker, Beggar, Domestic worker, Street vendor/ Cobbler/hawker / Other service provider working on streets, Construction worker/ Plumber/ Mason/ Labour/ Painter/ Welder/ Security guard/, Coolie and another head-load worker, 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, Washerman/ Chowkidar.

As per the SECC 2011, the following beneficiaries are automatically excluded:

1. Households having motorized 2/3/4 wheeler/fishing boat
2. Households paying professional tax
3. Household member is a government employee
4. Households having Kisan Credit Card with credit limit above Rs. 50,000/
5. Households with non - agricultural enterprises registered with government
6. Any member of household earning more than Rs. 10,000/ - per month
7. Households paying income tax
8. Households having mechanized 3/4 wheeler agricultural equipment
9. House with three or more rooms with pucca walls and roof
10. Owns a landline phone
11. Owns a refrigerator
12. Owns more than 2.5 acres of irrigated land with 1 irrigation equipment
13. Owns 5 acres or more of irrigated land for two or more crop season
14. Owning at least 7.5 acres of land or more with a t least one irrigation equipment

AB-PMJAY Benefits: National Health Protection Mission:

1. AB-PMJAY provides a defined benefit cover of Rs. 5 lakh per family per year. This cover will take care of almost all secondary care and most of tertiary care procedures.
2. To ensure that nobody is left out (especially women, children and elderly) there will be no cap on family size and age in the scheme.
3. The benefit cover will also include pre and post-hospitalisation expenses. All pre-existing conditions will be covered from day one of the policy. A defined transport allowance per hospitalization will also be paid to the beneficiary.
4. Benefits of the scheme are portable across the country and a beneficiary covered under the scheme will be allowed to take cashless benefits from any public/private empanelled hospitals across the country.
5. The beneficiaries can avail benefits in both public and empanelled private facilities. All public hospitals in the States implementing AB-PMJAY, will be deemed empanelled for the Scheme. Hospitals belonging to Employee State Insurance Corporation (ESIC) may also be empanelled based on the bed occupancy ratio parameter. As for private hospitals, they will be empanelled online based on defined criteria.
6. To control costs, the payments for treatment will be done on package rate (to be defined by the Government in advance) basis. The package rates will include all the costs associated with treatment. For beneficiaries, it will be a cashless, paper less transaction. Keeping in view the State specific requirements, States/ UTs will have the flexibility to modify these rates within a limited bandwidth.

Health and Wellness Centers:

The existing sub centres will bring health care system closer to the homes of people in the form of Health and wellness centres. These centres will provide comprehensive health care, including for non-communicable diseases and maternal and child health services in india.

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List of Health & Wellness Services:

1. Child health
2. Chronic communicable diseases
3. Pregnancy care and maternal health services
4. Neonatal and infant health services
5. Geriatric care Emergency medicine
6. Non-communicable diseases
7. Dental care
8. Eye care
9. Management of mental illness

Number of Beneficiaries

AB-PMJAY will target about 10.74 crore poor, deprived rural families and identified occupational category of urban workers’ families as per the latest Socio-Economic Caste Census (SECC) data covering both rural and urban. The scheme is designed to be dynamic and aspirational and it would take into account any future changes in the exclusion/ inclusion/ deprivation/ occupational criteria in the SECC data.

States/Districts covered in India:

AB-PMJAY will be rolled out across all States/UTs in all districts with an objective to cover all the targeted beneficiaries.

Address :

7th & 9th Floor, Tower-l,
Jeevan Bharati Building,
Connaught Place, New Delhi – 110001.

Toll-Free Call Center Number – 14555/ 1800111565

For more details visit gov website at

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