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+{{htmlmetatags>
+metatag-keywords=(ayushman bharat, pmjay, pm-jay, ab pmjay, free health insurance, ayushman card)
+metatag-description=(Cashless treatment up to Rs 5 lakh/family/year at 30,000+ empanelled hospitals. Free for SECC 2011 list + Sept 2024 expansion to all 70+ regardless of income.)
+}}
+====== Ayushman Bharat (PM-JAY) — Rs 5 lakh/year health cover free (2026) ======
+<WRAP center round info 80%>
+📘 **Deep-dive guide:** [[:apply-ayushman-bharat-pmjay-card-2026|Full deep-dive — PMJAY card: hospital refusal RTI]]
+</WRAP>
+{{:social:auto:yojana-ayushman-bharat-pmjay.png?direct&1200 |Ayushman Bharat (PM-JAY) — Rs 5 lakh/year health cover free (2026) — RTI Wiki}}
+<WRAP info>
+**Rs 5 lakh per family per year cashless at 30,000+ empanelled hospitals — free, no premium.**
+**Launched:** 2018  ·  **Issued by:** Ministry of Health & Family Welfare / National Health Authority
+</WRAP>
+===== Who is eligible =====
+  * SECC 2011 deprivation list (rural) OR occupational categories (urban)
+  * Senior 70+ — auto-eligible since September 2024 (any income)
+  * Aadhaar + ration card or occupational ID
+  * NOT eligible if all family members in formal sector with private insurance
+===== What you get =====
+Rs 5 lakh per family per year at 30,000+ empanelled hospitals. Coverage: 1,393 packages including cancer, cardiology, neurology, joint replacement, dialysis, NICU/PICU. No waiting period for pre-existing conditions. Cashless and paperless.
+===== How to apply (step-by-step) =====
+  - **Verify eligibility at beneficiary.nha.gov.in** — Search by name + state + Aadhaar / ration card.
+  - **Get Ayushman card** — CSC, empanelled hospital, or Ayushman Mitra desk.
+  - **Aadhaar verification + photo + biometric** — Each family member separately.
+  - **PVC or e-card issued same-day** — Carry to any empanelled hospital for cashless treatment.
+  - **Walk in to empanelled hospital** — Show card + Aadhaar; hospital auto-bills NHA.
+  - **Treatment cashless** — No upfront payment; NHA reimburses hospital.
+===== Documents needed =====
+  * Aadhaar
+  * Ration card / SECC 2011 ID
+  * Age proof (for 70+ extension)
+**Full document checklist:** [[:documents:ayushman-bharat-card|Documents required for ayushman bharat card]]
+===== Timeline =====
+Card issuance: same-day. Cashless treatment: on-the-spot at empanelled hospitals.
+===== Portal + helpline =====
+  * **Official portal:** [[https://beneficiary.nha.gov.in|beneficiary.nha.gov.in]]
+  * **Helpline:** PMJAY: 14555 / 1800-111-565
+  * **Track status:** [[:check-status:ayushman-bharat-status|How to check status]]
+  * **Step-by-step apply guide:** [[:how-to-apply:ayushman-bharat|How-to-apply walkthrough]]
+===== Common issues =====
+  * SECC 2011 list missing your name — apply for state-supplementary scheme (CMCHIS, MJPJAY, ABRY etc.).
+  * Aadhaar mismatch with SECC — name spelling differs; update Aadhaar.
+  * Hospital not empanelled — use list at hospitals.pmjay.gov.in.
+  * Cashless denied at empanelled hospital — file complaint at pmjay.gov.in/grievances.
+===== Benefit delayed or rejected? File an RTI =====
+Most "delays" or "rejections" clear within 7-15 days of an RTI being filed. Use this 5-question template:
+<code>
+. Status of my application no. _____ dated _____ as on date.
+. Name + designation of dealing officer assigned to my file.
+. Reasons for delay beyond the statutory timeline.
+. Copy of any noting / movement of my file in the past 30 days.
+. Likely date of disbursement / decision.
+</code>
+**Auto-fill the PIO + your case:** [[:rti-for-ayushman-bharat-claim|Open the AI RTI Drafter →]]
+**More schemes for you:** [[:audience:senior-citizens|All senior citizens schemes]]
+===== Frequently asked questions =====
+==== Senior 70+ — really income-free? ====
+Yes — September 2024 expansion. Apply with just Aadhaar + age proof.
+==== Pre-existing illness covered? ====
+Yes — no waiting period. Covered from day 1.
+==== Can I use across states? ====
+Yes — pan-India empanelled hospitals. Cashless treatment everywhere.
+==== OPD covered? ====
+No — only in-patient. OPD covered separately under Ayushman Arogya Mandir at PHC/SHC.
+===== Summary + next step =====
+<WRAP center round tip 90%>
+**Bottom line:** Rs 5 lakh per family per year cashless at 30,000+ empanelled hospitals — free, no premium. Apply at **beneficiary.nha.gov.in**. If delayed beyond timeline, file an RTI — most cases clear within 15 days.
+  * **Apply now:** [[https://beneficiary.nha.gov.in|beneficiary.nha.gov.in]]
+  * **Step-by-step guide:** [[:how-to-apply:ayushman-bharat|Apply walkthrough]]
+  * **Documents needed:** [[:documents:ayushman-bharat-card|Required documents]]
+  * **Track existing application:** [[:check-status:ayushman-bharat-status|Status check]]
+  * **If delayed — RTI Drafter:** [[:rti-for-ayushman-bharat-claim|File RTI in 5 minutes]]
+  * **Browse all 150 yojanas:** [[:yojana:start|Sarkari Yojana index]]
+</WRAP>
+===== Related =====
+  * [[:yojana:start|All 150 Sarkari Yojanas]]
+  * [[:check-status:start|25 status-check guides]]
+  * [[:documents:start|30 documents-required checklists]]
+  * [[:how-to-apply:start|25 how-to-apply guides]]
+  * [[:rejection-recovery:start|16 rejection-recovery guides]]
+  * [[:audience:start|10 audience-hub schemes]]
+  * [[:helplines:start|32 helplines + grievance routes]]
+  * [[:citizen-rti-playbook|Full RTI Playbook]]
+===== Sources =====
+  * Official portal: beneficiary.nha.gov.in
+  * Issued by: Ministry of Health & Family Welfare / National Health Authority
+  * Launched: 2018
+  * Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html|%%AwaazRTI%%]] (composite, identifying details removed)
+//Last reviewed: 26 April 2026.//
+{{tag>yojana sarkari-yojana ayushman-bharat-pmjay}}