Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana (PM-JAY), 2018
Government scheme — a structured programme with defined beneficiaries, budget allocation, and delivery mechanisms. The primary instrument for delivering welfare and development outcomes.
Summary
World's largest government-funded health insurance scheme providing Rs 5 lakh per family per year for secondary and tertiary care hospitalisation. Covers over 55 crore beneficiaries from vulnerable families.
Key Facts
Type Scheme
Source Historical Record
Published Sunday, 23 September 2018
Affected Population 1.4 billion citizens, 5 million healthcare workers
Key Numbers
Health budget: Rs 90,958 crore (2025-26)
Target: 2.5% of GDP public health spending
1.5 lakh Health & Wellness Centres planned
PM-JAY: 55 crore beneficiaries
Key Authorities
Key Stakeholders
Government Context
NDA I BJP-led NDA
Left Centre Right
Impact Assessment
9 /10
Impact Score Beneficiaries 12 crore families (55 crore individuals)
Budget Allocation Rs 7K Crore
Coverage 33 states/UTs (except Delhi, Odisha, West Bengal)
Implementation Status Operational 85% implemented
Key Outcomes
- Rs 5 lakh health cover per family per year
- 7.5+ crore hospital admissions authorised
- 30,000+ hospitals empanelled across India
Challenges
- Low awareness in rural areas
- Empanelment gaps in private hospitals
- Claims processing delays