Q. What is PM-JAY / AB-MMJAY in Jharkhand?

Ans: It is a state-wide health insurance scheme that provides eligible families in Jharkhand with free, cashless, and paperless medical treatment up to â¹5 lakh per year for secondary and tertiary care hospitalisation.

Q. Who is eligible for the scheme in Jharkhand?

Ans: Eligibility covers families listed in the SECC-2011 census, National Food Security Act (NFSA) ration cardholders, and Green Ration Cardholders.

Q. Is there a limit on family size or age under PM-JAY Jharkhand?

Ans: No, there is no restriction or cap on family size, age, or gender. All eligible members of a registered family are covered.

Q. How much health cover does a family receive per year?

Ans: Eligible families receive up to â¹5,00,000 per year on a family floater basis.

Q. Are pre-existing medical conditions covered?

Ans: Yes, all pre-existing illnesses and medical conditions are covered from Day 1 of enrollment.

Q. Can I use the Ayushman Card outside Jharkhand?

Ans: Yes, the scheme features nationwide portability, allowing beneficiaries to get cashless treatment at any empanelled public or private hospital across India.

Q. How can I apply for or download my Ayushman Card?

Ans: You can check your eligibility and generate/download your Ayushman Card online through the NHA Beneficiary Portal or by visiting an Ayushman Mitra at any empanelled hospital or Common Service Centre (CSC).

PMJAY Ayushman Bharat Yojana Jharkhand - Eligibility & Online Registration 2026

How PM-JAY works in Jharkhand

The PM-JAY initiative in Jharkhand runs under a joint scheme known as Ayushman Bharat-Mukhyamantri Jan Arogya Yojana (AB-MMJAY). The central flagship scheme Pradhan Mantri Jan Arogya Yojana (PM-JAY) has been adopted by the state in Jharkhand as Ayushman Bharat - Mukhyamantri Jan Arogya Yojana (AB-MMJAY). The scheme is implemented by the Department of Health, Medical Education & Family Welfare, Government of Jharkhand via their nodal agency State Health Agency (SHA) Jharkhand.

In order to run the scheme efficiently, Jharkhand has adopted a Hybrid Model (Insurance + Trust) for the management of funds. In this system, the basic hospitalisation cost of up to ₹ 1 lakh per family per year is done by an empanelled insurance company. If the total limit of ₹5 lakh is exceeded, the remaining amount of hospitalization expenses are paid directly from a State Trust Fund run by the SHA after the initial amount of ₹1 lakh.

Key Highlights - PM-JAY Jharkhand

Highlight	Details
Scheme Name	Ayushman Bharat - Mukhyamantri Jan Arogya Yojana (AB-MMJAY)
Nodal Body	State Health Agency (SHA) Jharkhand
Parent Department	Department of Health, Medical Education & Family Welfare, Government of Jharkhand
Annual Health Cover	Up to ₹5 Lakh per family per year (Cashless & Paperless)
Financial Execution Model	Hybrid Model: Insurance Liability (up to ₹1 Lakh) + Trust Liability (₹1 Lakh to ₹5 Lakh)
Coverage Scope	Secondary & Tertiary hospitalization; pre-existing conditions covered from Day 1

Who is Eligible to Apply for PM-JAY Jharkhand

SECC-2011 Families: Low-income Households identified through the SECC 2011 data.
NFSA Ration Card Holders: Households eligible for subsidized food grains under the National Food Security Act.
Green Ration Card Holders: Beneficiaries covered by the new green ration card issued by the state government (~3 lakh families).

Documents Required Apply for PM-JAY Jharkhand

Proof of Primary Identification (Compulsory)
- Aadhaar Card: Compulsory for each member of the family for biometric/OTP verification of e-KYC.
- Active Mobile Number: Linked to Aadhaar Card: Compulsory for receiving OTP for verification.
Proof of Family’s Eligibility (Either of the Two)
- Ration Card: AAY Ration Card, NFSA Ration Card, or State Green Ration Card bearing names of each member of the family.
- SECC-2011: Inclusion of the household in SECC-2011 or official PM/CM letter regarding Ayushman.
- BoCW Certificate: Certificate issued under Building and Other Construction Workers (BoCW).

Benefits and Coverage Under PM-JAY Jharkhand

Health Cover Amount: If the family is eligible, they can avail a free cashless health insurance cover of up to ₹5 lakh per family per year.
Hospitalization Scope: Secondary and tertiary care hospitalization.
Pre-Existing Diseases: All pre-existing diseases and medical conditions are included from Day 1 of enrolment.
Cashless & Paperless Treatment: All empanelled government & private hospitals are cashless & paperless with treatment under the scheme.
Funding: The ₹5 lakh health cover operates through a Hybrid Model split into two financial liabilities:
Insurance Liability: Provides coverage up to ₹1 lakh per family.
Trust Liability: The remaining ₹4 lakh is covered under the State Trust liability.

Helpline and Support

National Ayushman Helpline	14555 / 1800-11-1565
State Help Desk / Support	1800-3000-3468
Beneficiary Portal	beneficiary.nha.gov.in
Official Website	jharkhand.gov.in/health
Grievance Redressal Portal	cgrms.pmjay.gov.in

Other Government Schemes

Mukhyamantri Swasthya Sahayata Yojana (Jharkhand): State welfare scheme of Jharkhand that aims to provide financial assistance g from ₹1,500 to ₹25,000 to patients belonging to ST, SC, Minority, and Backward Class families.
Paripoorna Mediclaim Ayush Bima Yojana (Jharkhand): Medical assistance that offers ₹5 lakh for life threatening diseases.
Mukhyamantri Gambhir Bimari Upchar Yojan (Jharkhand): Health insurance scheme of Jharkhand government which offers up to ₹15 lakh per family per year for general and critical treatments
Pradhan Mantri Suraksha Bima Yojana: Acentrally sponsored health insurance scheme, which provides up to ₹2 lakh for accidental death and ₹1 lakh for partial permanent disability

Frequently Asked Questions (FAQs)

Q. What is PM-JAY / AB-MMJAY in Jharkhand?

Ans: It is a state-wide health insurance scheme that provides eligible families in Jharkhand with free, cashless, and paperless medical treatment up to ₹5 lakh per year for secondary and tertiary care hospitalisation.
Q. Who is eligible for the scheme in Jharkhand?

Ans: Eligibility covers families listed in the SECC-2011 census, National Food Security Act (NFSA) ration cardholders, and Green Ration Cardholders.
Q. Is there a limit on family size or age under PM-JAY Jharkhand?

Ans: No, there is no restriction or cap on family size, age, or gender. All eligible members of a registered family are covered.
Q. How much health cover does a family receive per year?

Ans: Eligible families receive up to ₹5,00,000 per year on a family floater basis.
Q. Are pre-existing medical conditions covered?

Ans: Yes, all pre-existing illnesses and medical conditions are covered from Day 1 of enrollment.
Q. Can I use the Ayushman Card outside Jharkhand?

Ans: Yes, the scheme features nationwide portability, allowing beneficiaries to get cashless treatment at any empanelled public or private hospital across India.
Q. How can I apply for or download my Ayushman Card?

Ans: You can check your eligibility and generate/download your Ayushman Card online through the NHA Beneficiary Portal or by visiting an Ayushman Mitra at any empanelled hospital or Common Service Centre (CSC).

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in