Central
Up to 80% cheaper medicines
PM Jan Aushadhi Yojana
Affordable generic medicines through dedicated Jan Aushadhi Kendras.
Central Government Scheme
· Active – operational across all 28 states and 8 UTs · Kolkata
Ayushman Bharat - Pradhan Mantri
Jan Arogya Yojana (AB PM-JAY)
AB PM-JAY provides a health cover of ₹5 lakh per family per year for secondary and tertiary care hospitalization, with cashless treatment at empanelled hospitals, and now includes universal coverage for all citizens aged 70 and above. Apply now in Kolkata with expert guidance from Varahii Consultancy.
Cover Amount: ₹5 lakh per family per year
Senior Citizen Topup: Additional ₹5 lakh for 70+ in already-covered families
Empanelled Hospitals: 32,000+ across India
Procedures Covered: 1,961 procedures across 27 specialties
Status: Active – operational across all 28 states and 8 UTs
City: Kolkata
12.34 Cr
Families Covered
₹5 L
Cover per Family/Year
32,000 +
Empanelled Hospitals
6 Cr
Senior Citizens Added
What is Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana (AB PM-JAY)?
AB PM-JAY provides a health cover of ₹5 lakh per family per year for secondary and tertiary care hospitalization, with cashless treatment at empanelled hospitals, and now includes universal coverage for all citizens aged 70 and above.
Approval for Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) in Kolkata often depends on matching the right scheme variant to your exact profile. Our advisors in Kolkata compare every applicable option before recommending one.
Objective: To provide financial protection against catastrophic health expenditure for economically vulnerable families and all senior citizens.
Who is this for in Kolkata?
Families identified as deprived/vulnerable under SECC 2011 data
All senior citizens aged 70 years and above, irrespective of income (since September 2024)
Workers in 11 occupational categories including construction workers, masons, plumbers, and coolies
ASHA/Anganwadi workers and helpers and their families
Eligibility Criteria – Kolkata
To apply for Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) Kolkata, applicants must meet the following conditions:
Secc Criteria: Rural: families in kutcha single-room houses, no adult member aged 16-59, disabled member with no able-bodied adult, landless labourers. Urban: 11 specified occupational categories
Senior Citizen Universal: Any Indian citizen aged 70 or above is eligible regardless of income or socio-economic status
Existing Family Topup: Senior citizens already in a PM-JAY family get an additional ₹5 lakh top-up exclusively for themselves
Other Scheme Holders: CGHS/ECHS/CAPF beneficiaries can choose to continue their existing scheme or switch to PM-JAY; private insurance/ESI holders can avail PM-JAY on top of their existing cover
Not Eligible: Households owning a two, three, or four-wheeler, or a motorised fishing boat (for the standard SECC category, not for the 70+ universal category), Government employees or those in government-managed non-agricultural enterprises (for the standard SECC category), Families with monthly income exceeding ₹10,000 (for the standard SECC category)
Who is NOT Eligible
Households owning a two, three, or four-wheeler, or a motorised fishing boat (for the standard SECC category, not for the 70+ universal category)
Government employees or those in government-managed non-agricultural enterprises (for the standard SECC category)
Families with monthly income exceeding ₹10,000 (for the standard SECC category)
Benefits for Kolkata Applicants
Eligible applicants Kolkata can receive the following benefits under Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana (AB PM-JAY):
| Benefit | Details |
|---|---|
| Cover Amount | ₹5 lakh per family per year for secondary and tertiary hospitalization |
| Cashless Treatment | No deposit, co-payment, or out-of-pocket cost for covered procedures at empanelled hospitals |
| No Family Size Cap | Coverage applies regardless of family size, age, or gender |
| Senior Citizen Card | Distinct Ayushman Vay Vandana Card issued for all 70+ beneficiaries |
| Portability | Cashless treatment available at any empanelled hospital across India, regardless of home state |
Documents Required
Keep the following documents ready before applying Kolkata. Having them prepared speeds up approval significantly.
Aadhaar card (sole document required for senior citizen enrolment)
Ration card or family ID (for SECC-based eligibility check)
Mobile number for OTP verification
Pro tip: Register on Udyam Portal before applying. It strengthens your application and may unlock additional MSME benefits.
How to Apply in Kolkata
Follow these steps to apply for Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) Kolkata:
Whether you're a first-time applicant or reapplying after a previous rejection, our team in Kolkata can guide you through every step of Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) — from checking the latest eligibility criteria to preparing documents in the exact format the sanctioning authority expects.
1
Check eligibility
Use the 'Am I Eligible' tool on pmjay.gov.in or the Ayushman App with your mobile number, name, and state.
2
Download the Ayushman App
Available on Android and iOS for self-registration and face authentication.
3
Complete Aadhaar e-KYC
Verify your Aadhaar number and complete OTP/biometric authentication.
4
Add eligible family members
For senior citizens, use the 'Add Member' feature to include other 70+ family members under one enrolment.
5
Receive your Ayushman card
Once verified, your digital Ayushman card is issued instantly — no waiting period applies.
6
Use at empanelled hospitals
Present your Aadhaar and Ayushman card at any of the 32,000+ empanelled hospitals for cashless treatment.
Online Portal: You can apply directly at https://pmjay.gov.in / beneficiary.nha.gov.in. Varahii's consultants can guide you through every step.
Coverage & Limits
| Parameter | Details |
|---|---|
| Annual Cap | ₹5 lakh per family per year — resets annually, no carryover of unused amount |
| Senior Citizen Topup | Separate ₹5 lakh exclusively for 70+ members, not shared with under-70 family members |
| Procedures | 1,961 procedures across 27 medical specialties including oncology, cardiology, orthopaedics, and neurosurgery |
| Exclusions | Non-emergency dental procedures, OPD-only consultations, and non-emergency vaccinations outside government programmes |
Applying for Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) in Kolkata
Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) is available to entrepreneurs and individuals across Kolkata. Whether you are based in the urban core or surrounding areas of Kolkata, you can approach any participating bank, NBFC, or Microfinance Institution to begin your application.
Varahii Consultancy has helped hundreds of applicants Kolkata successfully complete their Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) applications — from document preparation to follow-up with the sanctioning authority.
Varahii in Kolkata: Our local advisors understand the specific requirements of Kolkata branches and can help you choose the right lender or government office for faster processing.
Industry & Entrepreneurship Landscape in Kolkata
Kolkata's small-business economy is shaped in large part by handloom, handicrafts, and food processing, sectors that account for a significant share of local MSME and entrepreneurial activity. West Bengal's MSME base is built on a strong tradition of handloom and small-scale manufacturing, with steady year-on-year growth in registrations.
Among individual entrepreneurs in Kolkata, current trends show growing formalisation of traditional craft-based and food-processing micro-businesses. This shift is directly relevant to Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) applicants, since lenders and sanctioning authorities increasingly favour Udyam-registered, formally documented businesses when reviewing applications.
Banking & credit access in Kolkata: Applicants typically work with UCO Bank, Bandhan Bank, and an active cooperative banking presence when applying for government-linked schemes, alongside NBFCs and microfinance institutions for smaller ticket sizes.
Why Varahii Is Among the Best Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) Consultants in Kolkata
Choosing the right consultant for Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) in Kolkata can be the difference between a smooth approval and months of avoidable delay. Varahii Consultancy has built a reputation in Kolkata and across India for handling government scheme and MSME loan applications end-to-end — not just advising, but actively preparing documentation, tracking application status, and following up with the relevant department or bank until a decision is reached.
Specialised, up-to-date knowledge of Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) eligibility and documentation requirements in Kolkata
End-to-end application support — not just advice — from document prep to final follow-up
Familiarity with local banks, NBFCs, and government offices in Kolkata
Transparent process with no hidden fees and a free initial eligibility check
Varahii in Kolkata: If you're evaluating Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) options in Kolkata, our consultants can give you a realistic eligibility assessment before you commit any paperwork — most consultations start with a free review of your specific situation.
Important Dates
| Milestone | Date / Status |
|---|---|
| Scheme Launched | 23 September 2018 |
| Senior Citizen Expansion Approved | 11 September 2024 |
| Pan India Completion | 8 June 2026 (West Bengal joined, completing all-India coverage) |
Contact & Support
| Channel | Details |
|---|---|
| Implementing Agency | National Health Authority (NHA) |
| Portal | pmjay.gov.in |
| Beneficiary Portal | beneficiary.nha.gov.in |
Frequently Asked Questions
₹5 lakh per family per year for secondary and tertiary care hospitalization, with no cap on family size.
Yes, since September 2024, all citizens aged 70 and above are eligible regardless of income or socio-economic status, and receive a distinct Ayushman Vay Vandana Card.
Yes, beneficiaries with private health insurance or ESI coverage can still avail PM-JAY benefits on top of their existing policy.
PM-JAY does not provide further coverage in that year once the limit is exhausted; the family bears further costs out of pocket until the limit resets the following year.
No, Aadhaar is the only document needed for enrolment in the AB-PMJAY Senior Citizen Scheme.
Related topics: health insurance cashless treatment senior citizens SECC Ayushman card Kolkata
Ready to Apply for Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) in Kolkata?
Varahii's verified consultants handle everything — eligibility check, document preparation, application filing, and follow-up with Kolkata authorities. 100% free initial consultation.