Budget Outlay
₹7,200 Cr (2024-25)
Ayushman Bharat is India's flagship public health insurance and primary healthcare programme. It comprises two components: Pradhan Mantri Jan Arogya Yojana (PM-JAY), providing ₹5 lakh per family per year for secondary and tertiary care hospitalization, and Health and Wellness Centres (HWCs) for comprehensive primary care.
Health insurance cover of ₹5 Lakh per family per year for hospitalization
Coverage for 10.74 Cr poor and vulnerable families (approx. 50 Cr beneficiaries)
Cashless and paperless treatment at empanelled public and private hospitals
No cap on family size, age, or gender for coverage
Pre-existing diseases covered from day one of the policy
Establishment of 150,000 Health and Wellness Centres for free primary healthcare
Free diagnostic services and essential medicines at HWCs
Budget announces two components: PM-JAY and Health & Wellness Centres.
PM-JAY launched by PM Modi, covering 10 Cr+ poor families.
COVID-19 coverage added; PM-JAY expanded to frontline workers.
150,000 HWCs operationalized across India.
Coverage expanded; 5 Cr+ hospital admissions authorized under PM-JAY.
Senior citizen coverage expanded; all citizens above 70 eligible.
Coverage
50+ Cr beneficiaries
Annual Budget
₹7,200 Cr
Hospital Admissions
5+ Cr
Empanelled Hospitals
27,000+
HWCs Established
1.5 Lakh
| Country | Status | Notes |
|---|---|---|
| UK | NHS | Tax-funded, universal coverage, free at point of use |
| USA | Mixed (ACA) | Employer-based private insurance + Medicare/Medicaid for elderly and poor |
| Thailand | UC Scheme | Universal coverage since 2002, 3-tier system, 30 baht scheme |
| China | Active | Urban Employee + Resident Basic Medical Insurance, ~95% coverage |