Ayushman Bharat PM-JAY

Ayushman Bharat PM-JAY was launched on September 23, 2018, at Ranchi, Jharkhand, as a flagship government health insurance scheme targeting the bottom 40% of India's population. It provides a cashless health cover of ₹5 lakh per family per year for secondary and tertiary hospitalisation across empanelled public and private hospitals. The target beneficiary base was 10.74 crore poor and vulnerable families (approximately 50 crore individuals), identified through the Socio-Economic Caste Census (SECC) 2011 database. The scheme is implemented through the National Health Authority (NHA) and is co-funded by the Centre and states (60:40 ratio; 90:10 for NE and special category states).