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आयुष्मान भारत पात्रता

Ayushman Bharat (PMJAY) Eligibility — Free Online

₹5 लाख free hospital cover — SECC criteria पर 60 सेकंड में eligibility check। Rural deprivation + Urban occupational categories दोनों support।

Ayushman Bharat (PMJAY) — ₹5 lakh / year free hospital cover। India में 12 करोड़+ poor / vulnerable families को SECC 2011 list के basis पर automatic eligibility। Rural में deprivation criteria, Urban में occupational categories से qualify। 60 सेकंड में अपनी eligibility नीचे check करें।

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🏥 PMJAY Eligibility Check

Rural SECC criteria (कोई एक भी सही हो):
⚠️ Disclaimer: यह eligibility checker SECC 2011-based PMJAY guidelines पर simplified है। Final eligibility, family member inclusion, और exact card issuance के लिए सिर्फ official portal pmjay.gov.in + mera.pmjay.gov.in verify करें। Government scheme rules + criteria + benefit list time-to-time update होते हैं। यह कोई government endorsement नहीं — हम independent educational tool provide करते हैं।

कैसे Use करें?

  1. 1Rural / Urban toggle
  2. 2Rural 8 SECC criteria checkboxes
  3. 3Urban 8 occupational categories
  4. 4एक भी match — eligible
  5. 5'Check Eligibility' दबाएं
  6. 6mera.pmjay.gov.in पर name verify
  7. 7Empanelled hospital / CSC में Ayushman card
  8. 8Helpline 14555 / 1800-111-565

आयुष्मान भारत पात्रता क्या है?

## PMJAY (Ayushman Bharat) kya hai Pradhan Mantri Jan Arogya Yojana — Sept 2018 launch — World की सबसे बड़ी government-funded health insurance। 12+ करोड़ poor + vulnerable families को ₹5 lakh per family per year hospitalization cover at 27,000+ empanelled hospitals (Apollo, Fortis, Max included)। Eligibility SECC 2011: rural deprivation + urban occupational। 1900+ procedures, pre-existing Day 1, cashless। ## Kaise kaam karta hai Logic: rural / urban toggle → criteria checkboxes। Eligibility: कोई एक भी criterion check होना enough। 2024 expansion में senior 70+ + ASHA workers added। Limitations: SECC database में names individually listed — additional inclusion process available। ## 5 examples **1. Rural landless SC household (Bihar):** Eligible. **2. Urban domestic worker (Delhi):** Eligible. **3. Rural female-headed widow (Rajasthan):** Eligible. **4. Urban construction worker (Mumbai):** Eligible. **5. Salaried middle-class (Bengaluru, ₹15L):** Not eligible. ## Common mistakes **1. SECC listing automatic mān lena।** **2. Income limit confusion (no explicit limit)।** **3. 'Income high तो disqualified' — 70+ Vay Vandana universal।** **4. Card नहीं बनवाना।** **5. Empanelled hospital list ignore।** ## Pro tips **1. mera.pmjay.gov.in pre-emptive search।** **2. PVC card pre-emptively।** **3. Family members सब listed।** **4. Helpline: 14555, 1800-111-565।** **5. Senior 70+ Vay Vandana automatic।** **6. State variants stack — TN CMCHIS, WB Swasthya Sathi।** ## Modern context — 2026 65+ करोड़ Ayushman cards issued। ₹1.4 lakh crore+ disbursed cashless। 8 crore+ hospitalizations funded। Vay Vandana Yojana (Sept 2024) — 70+ universal। ABDM integration। Critical gaps: 30-40% eligible families अब भी card नहीं; rural empanelled hospitals shortage। Out-of-pocket health spend India में bankruptcy #1 cause — 6 करोड़+ families हर साल health emergency से below poverty line (NSSO)।

Formula / तरीका

Eligibility = (Rural area + any 1 of 8 SECC) OR (Urban + any 1 of 8 occupational) OR (Senior 70+ Vay Vandana). Coverage: ₹5 lakh/year/family at 27,000+ empanelled hospitals.

Tips और सुझाव

  • mera.pmjay.gov.in पर SECC listing verify
  • Card pre-emptively बनवाएं
  • Family सब list में
  • Empanelled hospital list verify
  • 70+ Vay Vandana automatic
  • Listed नहीं but match — Block-level inclusion form
  • Helpline 14555 + 1800-111-565
  • State health schemes stack

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अक्सर पूछे जाने वाले सवाल (FAQ)

Card kaise banwaye?
3 paths: empanelled hospital admission time, CSC (~30 min, ₹30 max, Aadhaar + mobile + ration card), mobile app 'Ayushman Bharat PMJAY' (Aadhaar OTP + biometric)। एक card per family unit, multiple members listed। Verification: 90 seconds Aadhaar OTP + biometric।
Private hospital mein milta?
Hāñ — 14,000+ private empanelled (Apollo, Fortis, Max, Manipal, Wockhardt, Medanta, Narayana)। Cashless। Caveats: empanelment scheme-specific, package rates fixed, patient extras self-pay। Tier-2/3 cities limited।
Income high — phir bhi eligible?
Possible: Senior 70+ Vay Vandana (universal)। Specific occupations — ASHA workers, BoCW construction workers, PM SVANidhi street vendors automatic। Rural SECC listed। General middle-class no match → not eligible। Alternatives: corporate group, private retail (Star, HDFC Ergo), top-up, state-variants।
Kya nahi cover?
Exclusions: OPD (sirf 24+ hr admission), cosmetic surgery, fertility (IVF), drug rehab, routine dental, war/illegal injuries। Covered: 1900+ procedures, all major surgeries, pregnancy delivery, pediatric, ICU, dialysis, chemo। Pre-existing Day 1। Newborn 90 days parent's card से।
Multiple members ek card?
Hāñ — एक family card सब listed members covered, ₹5 lakh limit per family per year combined। Family size cap नहीं। Card update हर साल (newborn, marriage), cumulative tracking app में।
Enrollment kab open?
Continuous — कभी भी apply। SECC 2011 list permanent (additions/corrections separate)। Pre-emergency card prep, post-marriage/newborn 60 days update, senior 70+ Vay Vandana fast-track।
Non-empanelled reimbursement?
Generally NO। Exceptions: emergency life-threatening + nearest non-empanelled — कुछ states post-facto reimbursement। State variants (TN CMCHIS, Telangana Aarogyasri) reimbursement options। Practical: 14555 emergency call, 102/108 ambulance free transfer।
Other health protection options?
Multi-layered: state schemes (CMCHIS, Swasthya Sathi, Aarogyasri) stack, corporate group, personal retail (₹15-30k/yr ₹10-25L), top-up policies (₹5L base + ₹50L top-up), critical illness, personal accident। PMJAY = floor not ceiling — serious illness ₹20-50L।

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