NHA Gov – PM-JAY Scheme: A Comprehensive Guide to Benefits and How It Helps You
What is PM-JAY?
The Pradhan Mantri Jan Arogya Yojana (PM-JAY), launched under Ayushman Bharat by NHA (National Health Authority), is the world’s largest government-funded health insurance scheme. It provides ₹5 lakh per family per year for secondary and tertiary care hospitalization, benefiting over 50 crore Indians from 10.74 crore economically vulnerable families.
No Premiums. No Age Limit. Just Free Health Insurance.
Yes, it’s completely cashless and free. Unlike private health insurance plans, PM-JAY has zero premium costs, no age restrictions, and covers pre-existing conditions from day one. From newborns to senior citizens—everyone in the eligible family gets covered.
Over 26,000 Hospitals. Your Health, Anywhere.
PM-JAY is accepted at 26,000+ empaneled hospitals (as of 2025), including both government and private facilities. Whether you’re in a remote village or a metro city, you can access quality healthcare without spending a rupee.
₹5 Lakh Coverage = Zero Stress
Be it a cardiac bypass surgery (₹2.5–3 lakh) or cancer treatment (₹1.5–4 lakh), PM-JAY covers it without any cap on family size or age. That’s financial relief in moments that matter most.
Quick Eligibility Check
You don’t have to apply for PM-JAY manually. If your family appears in the SECC 2011 database or if you hold an Ayushman card, you’re already eligible. Want to confirm it? Just visit 👉 https://mera.pmjay.gov.in and search using your mobile number, name, or ration card.
What’s Covered?
Hospitalization expenses
Pre- and post-hospitalization care
Diagnostics & medications
Critical illness treatments
ICU, OT charges, surgical implants
All cashless. All covered.
Real Benefits. Real Impact.
✅ Over 6 crore hospital admissions since launch
✅ ₹78,000+ crore worth of treatment provided (as of 2024)
✅ Millions saved from medical bankruptcy
✅ Major relief for rural and urban poor
Use Case: Imagine This…
Your mother needs a knee replacement (₹2.5 lakh+). Under PM-JAY, she walks into a listed hospital, gets the surgery, recovers with physiotherapy—all cashless. No loans. No savings wiped out. Just quality care when you need it most.
Health ID Integration (ABHA)
PM-JAY now links with ABHA (Ayushman Bharat Health Account) to create digital health records. This makes diagnosis, prescriptions, and medical history easy to access across hospitals.
Why PM-JAY Makes Sense for You
If you’re from a low-income household and struggling with health expenses or fearing the next medical emergency, PM-JAY is your best safety net. It’s designed for YOU—not just affordable, but absolutely free, reliable, and backed by the Government of India.
Want to Use PM-JAY?
✅ Check your eligibility 👉 https://mera.pmjay.gov.in
🏥 Visit your nearest empaneled hospital
🩺 Show your Aadhaar or Ayushman card
💡 Get treated. Zero payment. Full recovery.
What is the ABHA Card?
The ABHA Card, also known as the Ayushman Bharat Health Account, is a unique 14-digit health ID issued by the National Health Authority (NHA) under the Ayushman Bharat Digital Mission (ABDM). It helps create a digital ecosystem where your health records are stored securely and accessed instantly — anytime, anywhere.
Why It Matters: One Health ID, All Your Records
Imagine never carrying bulky medical files again. With ABHA, you can store your:
Lab reports
Doctor prescriptions
Hospital discharge summaries
Vaccination records
Chronic condition history
All under one digital ID. It’s your single source of truth for healthcare.
Real Stats That Matter
📌 Over 50 crore+ ABHA IDs created across India (as of 2025)
📌 20 crore+ health records already digitized
📌 1 lakh+ healthcare facilities linked to the ABHA ecosystem
📌 24×7 access to your personal health record (PHR) from any hospital or clinic connected to the network
How Does ABHA Help You?
🩺 Seamless Consultations
Visiting a new doctor? Share your ABHA ID and let them access your medical history in seconds. It saves time, avoids unnecessary repeat tests, and enables smarter diagnosis.
💊 Digital Prescriptions
Get prescriptions stored securely under your health ID. No more paper slips or lost documents. You can retrieve them even after months or years.
🏥 Emergency Use Case
In an emergency, doctors can access your past surgeries, allergies, or medications through ABHA (if you’ve given consent). This can literally save your life.
🌐 Portability
Moved cities? No problem. With ABHA, your health records travel with you. Use it across hospitals in Delhi, Mumbai, Bengaluru, or even rural clinics — as long as they’re ABDM-enabled.
ABHA vs Traditional Health Records
| Feature | Traditional Records | ABHA |
|---|---|---|
| Portability | ❌ | ✅ |
| Risk of Loss | High | None |
| Integration with PM-JAY | ❌ | ✅ |
| Consent-based Access | ❌ | ✅ |
| Linked Digital Prescriptions | ❌ | ✅ |
| Emergency Accessibility | ❌ | ✅ |
How to Create an ABHA Card?
Creating an ABHA ID is free, fast, and online.
🪪 You just need:
Aadhaar Card or Driving License
Mobile Number
Internet access
📱 You can generate your ABHA ID at:
👉 https://healthid.ndhm.gov.in
Or through popular apps like Arogya Setu, ABHA App, and even WhatsApp chatbot (MyGov Helpdesk)
Use Case Scenarios
1. Chronic Illness Management
Diabetic for 10+ years? With ABHA, all reports and medications are trackable over time — even if you consult multiple doctors in different cities.
2. Senior Citizens
A 65-year-old with heart and kidney conditions doesn’t need to recall treatments. Their ABHA keeps all reports in place for future doctors.
3. Maternity & Child Care
Track vaccination schedules, delivery reports, and newborn health data under the mother’s ABHA profile. Hand over full records at birth.
4. Second Opinions Made Easy
Need a second opinion from a specialist? Just share your ABHA-linked health history with one click — no couriering files or scanning documents.
ABHA + PM-JAY = Full Coverage + Smart Records
If you’re a PM-JAY beneficiary, your Ayushman Card can be linked to ABHA, enabling instant verification and better claim management at hospitals. It reduces paperwork and ensures that your treatments are smoother, faster, and digitally managed.
Your Health, Your Data, Your Control
The best part? You control your ABHA account. You choose which doctor or hospital can see your records and for how long. You can revoke access anytime, ensuring complete data privacy and security.
Why ABHA is the Smart Choice
In a world moving toward digital everything, ABHA is the future of personal healthcare in India. It gives you more control, more access, and more clarity about your own health — completely free of cost.
Take the First Step in Digital Health
✅ Create your ABHA ID today 👉 https://healthid.ndhm.gov.in
🩺 Link it with your hospital visits
📲 Download your ABHA app and manage health like never before