In a historic move, Delhi has become the 35th State/Union Territory to implement the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY). This free health insurance scheme aims to provide quality and cashless treatment to millions of people across India, especially the poor and vulnerable.

The scheme was launched in Delhi on April 6 through a Memorandum of Understanding (MoU) between the National Health Authority (NHA) and the Delhi Government, in the presence of the Union Health Minister, Delhi CM, and other dignitaries.

What is Ayushman Bharat PM-JAY?

Ayushman Bharat PM-JAY is the world’s largest health assurance scheme that offers:

• ₹5 lakh free annual health coverage per family
• Access to cashless treatment in public and private hospitals
• Coverage for 1,961 medical procedures across 27 specialties
• Inclusion of all pre-existing conditions from Day 1

What It Means for Delhi

✅ Healthcare for 36 Lakh People

• Around 6.5 lakh families (about 30 lakh people) in Delhi will benefit.
• Additional 6 lakh senior citizens (aged 70+) will be covered under the Ayushman Vay Vandana Yojana, regardless of income.

✅ Extra Top-Up from Delhi Government

• The Delhi Government will provide an additional ₹5 lakh coverage, taking total family coverage to ₹10 lakh per year.

✅ Card Distribution Starts April 10, 2025

• Eligible families will receive health cards to access benefits.

✅ Access to Nationwide Network

• Beneficiaries can get treated in any empanelled hospital across India.
• Includes advanced treatments like cancer care, surgeries, maternity care, etc.

Why This is a Game-Changer

• Reduces out-of-pocket health expenses, which have dropped from 62% (in 2014) to 38% now.
• Improves access to timely treatment – for example, cancer treatment access rose by 90% within 30 days for PM-JAY patients (as per Lancet).
• Empowers the poor and elderly to receive healthcare without financial stress.

Benefits for Doctors and Hospitals

Doctors working in empanelled hospitals under AB PM-JAY will:

• See higher patient footfall.
• Be able to provide treatment without upfront payment by the patient.
• Help ensure early diagnosis and timely care for the underprivileged.
• Access updated Health Benefit Packages (HBPs) with better pricing.

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