PMJAY Ayushman Bharat Scheme Details And Eligibility Of Rural,Urban People

PMJAY Ayushman Bharat Scheme

Ayushman Bharat Yojana becomes India’s largest free healthcare scheme. This scheme provides to free treatment up to Rs 5 lacs per year 50 cr poor people of the country. Ayushman Bharat Yojana was launched PM Narendra Modi in Ranchi district of the Jharkhand on 23 September 2018.

This is a National Health Protection Scheme, it has been renamed as Pradhan Mantri Jan Arogya Yojana, plans to make secondary and tertiary healthcare completely cashless. The PM Jan Arogya Yojana beneficiaries get an e-card that can be used to avail services at an impaneled hospital, public or private, anywhere in the country. You can join into a hospital and obtain cashless treatment.

PMJAY Health Cover Eligibility Criteria for Rural and Urban People

The PMJAY scheme aims to provide healthcare to 10 crore families, who are mostly poor and have lower middle income, through a health insurance scheme providing a cover of Rs. 5 lakh per family. The 10 crore families comprise 8 crore families in rural areas and 2.33 crore families in urban areas.


The National Sample Survey Organisation reveals that a staggering 85.9% of rural households do not have any healthcare insurance or assurance.  24% of rural families access healthcare facilities by borrowing money.  The scheme will come to the aid of economically disadvantaged families as per data in the Socio-Economic Caste Census 2011. Here too, households enrolled under the Rashtriya Swasthya Bima Yojana (RSBY) will come under the ambit of the PM Jan Arogya Yojana.

In rural areas, the PMJAY health cover is available

1) Those living in scheduled caste and scheduled tribe households

2) Families with no male member aged 16 to 59 years

3) Beggars and those surviving on alms

4) Families with no individuals aged between 16 and 59 years

5) Families having at least one physically challenged member and no able-bodied adult member

6) Landless households who make a living by working as casual manual laborers

7) Primitive tribal communities

8) Legally released bonded laborers

9) Families living in one-room makeshift houses with no proper walls or roof

10) Manual scavenger families


National Sample Survey Organisation (71st round), 82% of urban households do not have access to healthcare insurance or assurance. Further, 18% of Indians in urban areas have addressed healthcare expenses by borrowing money in one form or the other.  PMJAY will benefit urban workers’ families in the occupational category present as per the Socio-Economic Caste Census 2011. Further, any family enrolled under the Rashtriya Swasthaya Bima Yojana will benefit from the PM Jan Arogya Yojana as well.

In urban areas, those who can avail of the government-sponsored scheme consist mainly

1. Washerman/chowkidars

2. Ragpickers

3. Mechanics, electricians, repair workers

4. Domestic help

5. Sanitation workers, gardeners, sweepers

6. Home-based artisans or handicraft workers, tailors

7. Cobblers, hawkers and others providing services by working on streets or pavements

8. Plumbers, masons, construction workers, porters, welders, painters and security guards

9. Transport workers like drivers, conductors, helpers, cart or rickshaw pullers

10. Assistants, peons in small establishments, delivery boys, shopkeepers, and waiters