---
title: "PM-JAY (Ayushman Bharat): Scheme Explained | Model Diplomat"
description: "Ayushman Bharat - PM-JAY provides over 100 million eligible families in India with ₹5 lakh annual hospitalization cover, ensuring cashless healthcare access."
url: "https://modeldiplomat.com/learn/glossary/ayushman-bharat-pmjay"
---

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Model Diplomat Research Team · Last reviewed June 22, 2026

TL;DR

- Ayushman Bharat - PM Jan Arogya Yojana is India's government-funded health assurance scheme providing eligible families an annual hospitalisation cover of five lakh rupees.
- How does a beneficiary qualify for PM-JAY, and is application required?
- What is the difference between the trust mode and the insurance mode of PM-JAY?
- Does PM-JAY cover outpatient treatment and pre-existing conditions?
- Why did some states refuse to implement PM-JAY?

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

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On 23 September 2018, Prime Minister Narendra Modi launched PM-JAY in Ranchi, Jharkhand, extending five-lakh-rupee annual hospital cover to over 10 crore poor families identified through the SECC 2011 database.

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