Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY)
AB PM-JAY is the world's largest government-funded health assurance scheme. It provides health insurance coverage of ₹5 lakh per family per year for secondary and tertiary care hospitalisation to over 12 crore poor and vulnerable families (approximately 55 crore beneficiaries), constituting the bottom 40% of India's population.
- Launched: September 23, 2018 (Ayushman Bharat Diwas).
- Nodal agency: National Health Authority (NHA) under the Ministry of Health and Family Welfare.
- Nature: Centrally Sponsored Scheme (CSS) — Centre-State cost sharing of 60:40 (90:10 for NE and hill states).
- Coverage: Over 29,972 empanelled hospitals (57.6% public, 42.4% private) as of early 2024.
- Beneficiary identification: Based on Socio-Economic Caste Census (SECC) 2011 database.
- 2024 expansion: Extended to all individuals aged 70+ years irrespective of income (additional 6 crore senior citizens, 4.5 crore families).
- Also extended in 2024 to cover ASHAs, Anganwadi Workers, and Anganwadi Helpers and their families (37 lakh workers).
● Tracked since March 17, 2026 · last seen June 06, 2026 · updates as the daily brief publishes
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