The Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) stands as India’s flagship health assurance scheme, aiming to provide accessible and affordable healthcare to the nation’s underprivileged populations. In 2025, the scheme continues to evolve, expanding its coverage and enhancing the range of treatments available to beneficiaries.
What is PM-JAY?
Launched by the Government of India, PM-JAY offers a health cover of ₹5 lakh per family per year for secondary and tertiary care hospitalization. The scheme is designed to mitigate the financial burden of medical expenses, ensuring that no family is forced into poverty due to health-related expenditures. As of 2025, PM-JAY covers over 12 crore families, translating to approximately 55 crore individuals across the country.
Key Features of PM-JAY in 2025
-
Universal Coverage: The scheme is inclusive, covering all members of eligible families, irrespective of age, gender, or pre-existing conditionsCashless and Paperless Transactions: Beneficiaries can avail themselves of services without any upfront payments at empaneled public and private hospitals.
-
Comprehensive Treatment Packages: PM-JAY provides coverage for a wide array of medical procedures, including diagnostics, surgeries, and post-operative care.
-
Portability: Beneficiaries can access healthcare services across India at any empaneled hospital, making the scheme adaptable to the mobile nature of the population.
Diseases and Treatments Covered Under PM-JAY in 2025
PM-JAY encompasses a vast spectrum of diseases and medical conditions. Beneficiaries can avail themselves of treatments across various specialties, ensuring comprehensive healthcare coverage.
1. Cardiovascular Diseases
-
Coronary Artery Bypass Grafting (CABG): Surgical procedure to improve blood flow to the heart.
-
Angioplasty: Procedure to open blocked coronary arteries.
-
Pacemaker Implantation: Surgical procedure to implant a device that regulates heartbeats.
2. Cancer Treatments
-
Chemotherapy: Use of drugs to destroy cancer cells.
-
Radiotherapy: Use of high-energy radiation to kill or damage cancer cells.
-
Surgical Oncology: Surgical procedures to remove tumors.
3. Orthopedic Procedures
-
Joint Replacement Surgery: Surgical procedure to replace a damaged joint with a prosthesis.
-
Spinal Surgeries: Procedures to treat spinal disorders.
-
Fracture Management: Treatment of bone fractures, including surgical interventions.
4. Urology Treatments
-
Dialysis: Treatment for kidney failure.
-
Kidney Transplantation: Surgical procedure to replace a diseased kidney with a healthy one.
-
Prostate Surgeries: Procedures to treat prostate gland disorders.
5. Neurological Disorders
-
Stroke Management: Treatment for ischemic and hemorrhagic strokes.
-
Epilepsy Surgeries: Procedures to control seizures in epilepsy patients.
-
Brain Tumor Surgeries: Surgical removal of tumors from the brain.
6. Gastrointestinal Diseases
-
Liver Transplantation: Surgical procedure to replace a diseased liver with a healthy one.
-
Gallbladder Surgeries: Procedures to remove the gallbladder.
-
Pancreatic Surgeries: Treatment of pancreatic disorders.
7. Respiratory Disorders
-
Lung Surgeries: Procedures to treat lung diseases.
-
Tuberculosis Treatment: Management and treatment of tuberculosis.
-
Asthma Management: Treatment for chronic respiratory conditions.
8. Obstetrics and Gynecology
-
Cesarean Sections: Surgical delivery of a baby.
-
Hysterectomy: Surgical removal of the uterus.
-
Infertility Treatments: Assisted reproductive technologies.
9. Ophthalmology
-
Cataract Surgeries: Procedure to remove the clouded lens of the eye.
-
Glaucoma Treatments: Management of increased intraocular pressure.
-
Retinal Surgeries: Procedures to treat retinal disorders.
10. Dental Procedures
-
Tooth Extractions: Removal of decayed or damaged teeth.
-
Dental Surgeries: Procedures to treat dental diseases.
-
Orthodontic Treatments: Correction of misaligned teeth.
Special Initiatives in 2025
Ayushman Vay Vandana Card
In a significant move, the government introduced the Ayushman Vay Vandana Card in 2025, targeting senior citizens aged 70 and above. This initiative aims to provide additional healthcare benefits to the elderly population, ensuring they receive timely and quality medical care. Within three weeks of its rollout, over 10 lakh senior citizens enrolled for the card, availing treatments worth over ₹9 crore
Leave a Reply