## Pradhan Mantri Jan Arogya Yojana (PM-JAY) **Key Point:** PM-JAY is a cashless health insurance scheme launched in September 2018 as the flagship program of Ayushman Bharat. ### Coverage Details | Feature | Details | |---------|----------| | **Beneficiaries** | BPL families, EWS (as per SECC 2011 data) | | **Coverage Amount** | ₹5 lakh per family per annum | | **Type of Care** | Hospitalization (secondary and tertiary care) | | **Network** | Empaneled public and private hospitals | | **Cost to Beneficiary** | Completely free (cashless) | **High-Yield:** PM-JAY covers approximately 50 crore beneficiaries (10.74 crore families) and is the world's largest health assurance scheme by number of beneficiaries. **Clinical Pearl:** The scheme covers pre-hospitalization expenses (up to 3 days before admission) and post-hospitalization expenses (up to 15 days after discharge). ### What PM-JAY Does NOT Cover - Outpatient care (covered under Health and Wellness Centers instead) - Primary care (covered under AB-HWC) - Preventive services (covered under NHM) **Mnemonic: PM-JAY COVERAGE — CASH-LESS HOSPITAL CARE** - **C**ashless hospitalization - **A**nnual coverage ₹5 lakh - **S**econdary and tertiary care - **H**ealth insurance scheme - **L**arge beneficiary base (50 crore) - **E**WS and BPL eligible - **S**cheme launched 2018
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