PM Insurance Scheme & Jan Arogya Yojana: Full Details, Benefits, Eligibility, and Application (2025)
The Government of India has introduced multiple health security schemes to ensure affordable and accessible healthcare for every citizen. Among the most impactful are the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), and the Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PM-JAY). These schemes target low-income and vulnerable populations, offering health insurance and life coverage at minimal or no cost.
This article explains the complete details of these schemes, including benefits, eligibility criteria, how to apply, documents required, and how to check your name in the beneficiary list.
1. PM Jeevan Jyoti Bima Yojana (PMJJBY)
What is it?
This is a life insurance scheme that provides a financial safety net to the family in case of the policyholder’s death.
- Coverage Amount: ₹2 lakh in case of the insured person’s death
- Annual Premium: ₹436 only
- Age Group: 18–50 years (must have a savings bank account)
- Renewal: Annually auto-debited from bank account
Eligibility:
- Indian citizen aged 18–50
- Has an active savings account in a participating bank
- Provides consent to auto-debit the premium
Benefits:
- Affordable premium
- Immediate financial support to the family after death
- Offered by LIC and other insurance companies
2. PM Suraksha Bima Yojana (PMSBY)
What is it?
This is an accident insurance scheme covering accidental death and disability.
- Coverage Amount:
- ₹2 lakh for accidental death
- ₹2 lakh for permanent total disability
- ₹1 lakh for partial disability
- Annual Premium: ₹20 only
- Age Group: 18–70 years
- Coverage Duration: One year, renewable
Eligibility:
- Must be 18–70 years old
- Should have an active savings bank account
- Must give auto-debit consent
Benefits:
- Low-cost accident insurance
- Quick claim processing through banks and insurers
- Ideal for workers in unorganized sectors
3. Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PM-JAY)
What is it?
PM-JAY is India’s largest health insurance scheme, providing free hospitalization coverage of up to ₹5 lakh per family per year.
Key Features:
- Coverage Amount: ₹5 lakh per family per year
- Coverage Type: Hospitalization, surgery, diagnostic, and follow-up
- Beneficiaries: 10.74 crore poor and vulnerable families (SECC 2011 data)
- Cashless Treatment: In empaneled public and private hospitals
Services Covered:
- Pre- and post-hospitalization expenses
- Day-care treatments
- Diagnostic tests
- Transportation allowance
- Surgeries and intensive care
Eligibility Criteria (PM-JAY):
Eligibility is based on the SECC 2011 database:
For Rural Households:
- Families with no adult members between 16 and 59
- Female-headed households with no adult male
- SC/ST households
- Landless families dependent on manual labor
- Families living in one-room kucha houses
For Urban Households:
- Ragpickers
- Domestic workers
- Street vendors
- Rickshaw pullers
- Construction workers
- Sanitation workers
Documents Required
- Aadhaar Card
- Ration Card
- Mobile Number
- Bank Account Details
- Proof of Identity
- Passport-size Photo
How to Apply
For PMJJBY & PMSBY:
- Approach Your Bank:
- Go to the branch where your savings account exists
- Fill out the PMJJBY/PMSBY application form
- Provide consent for auto-debit
- Online (for some banks):
- Log in to your net banking
- Go to Insurance > PMJJBY or PMSBY
- Fill and submit the application form
For PM-JAY (Ayushman Bharat):
Step-by-Step Online Process:
- Visit the official Ayushman Bharat Portal:
https://pmjay.gov.in - Click on “Am I Eligible”
- Enter your mobile number and OTP
- Search by:
- Name
- Ration Card Number
- Mobile Number
- HHD code
- If your family is eligible, it will show up on the screen
- Visit the nearest Ayushman Mitra Kendra or CSC with documents to get your Ayushman Card
How to Check Your Name in PM-JAY Beneficiary List
- Go to: https://pmjay.gov.in
- Click “Am I Eligible?”
- Enter your mobile number
- Use the OTP to search
- If your name is listed, visit a CSC to activate your card
Hospital Finder
You can find a list of empaneled hospitals by:
- Visiting https://hospitals.pmjay.gov.in
- Searching by state, district, or hospital name
- Ensuring the hospital offers cashless Ayushman Bharat services
Claim Process
For PM-JAY:
- No need to pay upfront at listed hospitals
- Present Ayushman Card and Aadhaar
- Hospital handles documentation and claim
For PMJJBY/PMSBY:
- Nominee submits claim form to the bank
- Include death certificate / disability certificate
- Bank forwards to insurance company for processing
The PM Insurance Schemes and Jan Arogya Yojana provide a solid foundation of financial and health protection for India’s economically vulnerable population. With minimal documentation and premium costs, these schemes are accessible, impactful, and life-changing. All eligible individuals should verify their inclusion and take advantage of these government-supported insurance benefits.