Ayushman Bharat PM-JAY Odisha

How PM-JAY works in Odisha

The PM-JAY initiative in Odisha is locally called the Gopabandhu Jan Arogya Yojana (GJAY). It is implemented in convergence with the State flagship program “Gopabandhu Jan Arogya Yojana”, which got integrated with the PM-JAY program officially in January 2025. This converged initiative is implemented through the State Health Agency (SHA) of Odisha.

While the central PM-JAY eligibility criteria (involving families listed in the SECC database) were applicable only to a certain segment of the population, Odisha included all NFSA (National Food Security Act) and SFSS (State Food Security Scheme ) cardholders in its eligibility criteria list.

Eligibility Criteria for PM-JAY Odisha

• Ration Card Holders: All families who have a valid ration card through NFSA or SFSS are eligible for cashless treatment automatically.
• Eligible Individuals Identified Through SECC: All those families that are declared vulnerable through the SECC 2011 database.
• Senior Citizens (Above 70 Years): As per the revised program of Ayushman Vaya Vandana, all senior citizens (70+ years) are eligible, irrespective of their socio-economic status or income.
• Biju Swasthya Kalyan Yojana (BSKY) Card Holders: All those individuals having an active BSKY Smart Health Card or joint PMJAY-GJAY Smart Card

Benefits and Coverage Under PM-JAY Odisha

• Financial Coverage: Cashless financial coverage up to ₹5 lakh per family per year on a floater basis in respect of secondary and tertiary care hospitalisation.
• Enhanced Cover for Women: Women in the family will be provided additional cover up to ₹5 lakh once the base cover limit for the family is reached, and thus, the overall cover would go up to ₹10 lakh per year.
• Universal Free Public Healthcare: 100% free healthcare, diagnostics and medicines through all government health centres, district hospitals and medical colleges in Odisha.
• Cashless Private Hospitalisation: NFSA/SFSS Ration Card Holders and Registered GJAY Card Holders will be provided cashless treatment in empanelled private hospitals.
• No Waiting Period: Cover is provided for all pre-existing conditions right from day one.
• No Cap: Coverage is available to all family members without any limits on age or gender.
• Portability: Beneficiaries can get cashless treatment from any empanelled hospital in the country under the integrated PM-JAY scheme.
• Medical Expenses: In-patient room rent, nursing expenses and doctor fees.
• Procedures and Treatment: Cardiac Surgeries, Oncology, Neurosurgery, Orthopaedic, Emergency, etc.
• Diagnostics and Medicines: Diagnostics, implants, and medicines while being admitted to the hospital.

Documents Required to Apply for PM-JAY Odisha

• Aadhar Card: Compulsory for all individual family members as an identification tool and for e-KYC authentication.
• Ration Card: It can be either an NFSA or SFSS card issued in Odisha. The above two are important proof of the eligibility of the family.
• Domicile/Proof of Residence: Domicile proof for Odisha
• Income or Caste Certificate: If you are applying under certain socio-economic groups.

How to Apply Step by Step for PM-JAY Odisha

1. Through the online mode

   Step 1: Access the Official Website

   Visit the official website of either GJAY Odisha or the National Health Agency (NHA) Beneficiary Portal.

   Step 2:Check Status as a Beneficiary

   Select Beneficiary Search, then select your identification as either NFSA/SFSS Ration Card Number or Aadhaar Number and proceed with entering the required information for the eligibility check.

   Step 3: Complete e-KYC Process

   Choose your profile and perform the Aadhaar-based authentication through the mobile one-time password (Mobile OTP), fingerprint or iris scan.

   Step 4: Download Health Card

   Once successfully verified and approved, you will find the option as “Download Card” to download or print out your health card.

2. Through Offline mode (Via Service Centers)

   • Visit the Service Centre: Visit the nearest Mo Seba Kendra or CSC in the state of Odisha.
   • Submit Documents: Submit your Aadhaar Card and NFSA/SFSS Ration Card to the operator.
   • Process Biometric Enrollment: The operator will check your eligibility via the website and take the biometric scan (fingerprint/iris) or mobile one-time password (Mobile OTP).
   • Collect your card: Once the user completes the e-KYC process successfully, he/she gets the physical GJAY Smart Health Card.

Helpline and Support

Other Government Schemes

• NIRAMAYA Scheme: Ahealthcare initiative of Odisha which provides 100% free quality essential drugs, surgical consumables, and life-saving medicines to all patients visiting government hospitals.
• Odisha State Treatment Fund (OSTF): Astate health insurance scheme that offers coverage of up to ₹3 lakh for poor patients (BPL/AAY cardholders or families with low annual income).
• Gopabandhu Sambadika Swasthya Bima Yojana: State Health Insurance scheme that aims to offer insurance up to ₹5 lakh per family annually to working journalists and newspaper hawkers in Odisha .
• Ayushman Bharat Yojana: Centrally sponsored health insurance that offers coverage up to ₹5 lakh per family per year on a family floater basis for secondary and tertiary care hospitalisation.
• Employees' State Insurance (ESI) Scheme: Ahealth insurance scheme that offers comprehensive cashless medical care, sickness allowances, maternity benefits, and disability compensation to registered employees