---
title: "Ayushman Bharat (PM-JAY): India's Health Scheme"
description: "Ayushman Bharat (PM-JAY) is India's health-assurance scheme offering ₹5 lakh annual hospitalization cover to eligible poor families since 2018."
url: "https://modeldiplomat.com/learn/glossary/ayushman-bharat-pm-jay"
---

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Model Diplomat Research Team · Last reviewed June 22, 2026

TL;DR

- Ayushman Bharat (PM-JAY) is India's flagship publicly funded health-assurance scheme launched in 2018, providing eligible poor families annual hospitalisation cover of ₹5 lakh.
- Who is eligible for Ayushman Bharat PM-JAY?
- How does PM-JAY differ from the CGHS?
- What does the ₹5 lakh cover under PM-JAY include and exclude?
- Which body administers Ayushman Bharat PM-JAY?

[Civil Service & Diplomatic Exams](https://modeldiplomat.com/learn/civil-services/glossary)Updated June 22, 2026

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## Timeline

1. 23 September 2018

   Ayushman Bharat, formally the Pradhan Mantri Jan Arogya Yojana (PM-JAY), was announced in the Union Budget of February 2018 and launched by Prime Minister Na…

2. 11 September 2024

   The list has since expanded: in 2022 the target was revised upward to cover the bottom 40 percent of the population, and on the Union Cabinet approved Ayush…

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Example

In September 2024, the Union Cabinet under Prime Minister Narendra Modi approved Ayushman Vay Vandana, extending PM-JAY's ₹5 lakh annual cover to all citizens aged 70 and above regardless of income.

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