Ayushman Bharat Eligibility Calculator

Calculate health savings under Ayushman Bharat PM-JAY scheme. Shows Rs 5 lakh annual cover, treatment cost savings, and equivalent private insurance premium cost.

Ayushman Bharat PM-JAY Benefit Calculator

Rs 5 lakh annual health cover — treatment savings vs private insurance cost

Family members 4 members
110
members
Expected treatments per year 1 treatment/yr
15
treatment(s)/yr
Average treatment cost Rs 80,000
Rs 10KRs 5L
Rs
Equivalent private insurance premium Rs 30,000/yr
Rs 5KRs 1L
Rs/yr
Breakdown
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Scheme details based on current government rules. Always verify latest eligibility and benefits at official portals before applying.

Visual comparison
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Ayushman Bharat PM-JAY covers Rs 5 lakh per family per year for 1,574 treatment packages at government and empanelled private hospitals. The equivalent private health insurance for a family of 5 would cost Rs 25,000–40,000/year. For eligible families (bottom 40% by SECC data), this is entirely free. Check eligibility at pmjay.gov.in — over 55 crore beneficiaries are covered as of 2026.

Ayushman Bharat PM-JAY Benefit Calculator

Calculate health savings under Ayushman Bharat PM-JAY scheme. Shows Rs 5 lakh annual cover, treatment cost savings, and equivalent private insurance premium cost.

Frequently asked questions

Who is eligible for Ayushman Bharat PM-JAY?▼
Eligibility is based on Socio-Economic Caste Census (SECC) 2011 data for rural areas and occupational criteria for urban areas. Rural criteria include families with no adult member (16–59 years), families headed by women, disabled members, and those living in single room houses. Check eligibility at pmjay.gov.in or by calling 14555.
What treatments are covered under PM-JAY?▼
PM-JAY covers 1,574+ treatment packages across 27 medical specialties including cancer treatment, cardiac procedures, orthopaedic surgeries, neurosurgeries, dialysis, maternity, and more. It covers pre-hospitalisation (3 days), hospitalisation, and post-hospitalisation (15 days) costs. Most major surgeries and ICU stays are included.
Can I use PM-JAY at private hospitals?▼
Yes. PM-JAY can be used at empanelled government and private hospitals. Over 25,000 hospitals are empanelled across India. Treatment is cashless — show the Ayushman Bharat card (or verify via Aadhaar at the hospital) and the hospital bills the scheme directly. No upfront payment is required from the beneficiary.

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