Under the Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PM-JAY), the annual health cover per eligible family is:
- A ₹2 lakhs per family per year
- B ₹5 lakhs per family per year ✓
- C ₹1 lakh per family per year for primary care and ₹3 lakhs for tertiary care
- D ₹10 lakhs per family per year for catastrophic illnesses only
Correct answer: B. ₹5 lakhs per family per year
Explanation
Ayushman Bharat – PM-JAY provides a health assurance cover of ₹5 lakhs per family per year for secondary and tertiary hospitalization. It targets the bottom 40% of India's population (approximately 50 crore beneficiaries from ~10.74 crore families) identified from SECC 2011 data. It is a cashless, paperless scheme operational in empanelled public and private hospitals. It does not cover outpatient care — Health and Wellness Centres (HWCs) under Ayushman Bharat address primary care.
Reference: Park's Textbook of Preventive and Social Medicine, 27th ed.
High-yield for: NEET PGINI-CETNExTFMGEUSMLEPLABMRCP
Written and medically reviewed by the StethoPrep medical team.