The Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) is designed to provide free health coverage of up to ₹5 lakh per family per year to economically vulnerable households. However, the scheme has strict eligibility criteria, and not all citizens can avail of its benefits. The exclusions are meant to ensure that the program reaches those who genuinely need financial support for healthcare.
One major exclusion applies to families with higher income levels or significant assets. Households owning vehicles, agricultural machinery, or large plots of land are generally not eligible. Similarly, individuals who pay income tax or are registered under professional categories such as doctors, engineers, or government employees are excluded from the scheme. These criteria are intended to prevent duplication of benefits and ensure that resources are directed toward the poorest sections of society.
Urban exclusions also apply. Families living in well-constructed houses with more than five rooms, or those employed in government service, are not covered under PM-JAY. In rural areas, households with fixed salaries, substantial property, or business ownership are excluded. The scheme specifically targets vulnerable groups such as landless laborers, manual workers, and families living in makeshift housing, ensuring that the benefits reach those most in need.
By defining clear exclusions, Ayushman Bharat maintains its focus on providing healthcare access to marginalized communities. While millions of families benefit from the scheme, those with financial stability or government-backed benefits are expected to rely on their own resources. This distinction helps the program remain sustainable and impactful, reinforcing its mission of universal health coverage for India’s most vulnerable citizens.
