Who Can Avail Ayushman Bharat Benefits? Understanding Eligibility and Coverage

Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PM-JAY) is a flagship healthcare scheme by the Government of India that aims to make quality medical treatment accessible to families who need financial support. At Ruby General Hospital, eligible patients can receive cashless treatment under this scheme for a wide range of medical conditions. Families identified through the Socio-Economic Caste Census (SECC) are covered, including those living in rural areas without permanent housing, households with no regular earning members, families led by women, and people who depend on daily or manual labour for their livelihood.

In urban areas, this includes workers such as domestic help, street vendors, drivers, construction workers, sanitation staff, gardeners, and other informal sector employees. The scheme provides health insurance coverage of up to ₹5 lakh per family per year and includes General Surgery, Laparoscopic Surgery, Orthopaedics, Cardiology, Cardiac Surgery, Surgical Oncology, Medical Oncology, Radiation Oncology, Neurosurgery etc, dialysis, ICU services, and hospitalisation costs. At Ruby General Hospital, all approved treatments are provided on a completely cashless and paperless basis, allowing patients to focus on recovery rather than expenses. Eligibility can be checked easily using an Aadhaar card, ration card, or registered mobile number at the hospital’s Ayushman Mitra desk, where a dedicated support team helps patients through every step of the process, ensuring timely, dignified, and affordable healthcare.