List of Diseases Covered Under Ayushman Bharat Yojana (PMJAY)

 Ayushman Bharat Pradhan Mantri Jan Arogya Yojana, commonly known as PMJAY. This scheme focuses on providing quality healthcare without pushing families into debt.

Understanding the disease coverage under this scheme is crucial. Many people have heard of the Ayushman Bharat card but are unsure about the exact treatments, surgeries, and conditions it covers. This article breaks down the PMJAY disease coverage list in a clear and practical way, helping families make informed healthcare decisions. It also explains what to do when expenses go beyond coverage and how people sometimes manage gaps through options like instant online loans.

What Is PMJAY and Who Can Benefit

PMJAY is a government-funded health assurance scheme that provides cashless treatment coverage of up to  ₹5 Lakh per family per year at empanelled hospitals. It mainly targets economically weaker sections and vulnerable households across India.

The scheme covers
 • Secondary care procedures
 • Tertiary care treatments
 • Hospitalisation costs, including surgery, medicines, and diagnostics

These benefits are available at both public and selected private hospitals.

Understanding the Ayushman Bharat Scheme Details

Under the Ayushman Bharat scheme, eligible families receive an Ayushman Bharat card. This card acts as proof of coverage and allows cashless treatment at approved hospitals.

Key features include
 • No restriction on family size
 • Coverage for pre-existing diseases
 • Nationwide portability
 • Cashless and paperless treatment

Knowing the details of the Ayushman Bharat scheme helps beneficiaries use it effectively without confusion during emergencies.

Diseases Covered Under PMJAY

The scheme includes a wide range of medical conditions. The official PMJAY list is extensive and continues to evolve as healthcare needs change.

Some major categories covered include
 • Cardiology and heart-related conditions
 • Orthopaedic treatments and trauma care
 • Neurology and neurosurgery
 • Oncology and cancer treatments
 • Gastroenterology
 • Pulmonology
 • Nephrology including dialysis

This broad coverage ensures support for both planned treatments and emergencies.

Ayushman Bharat card Disease List Explained Simply

Many beneficiaries search for the Ayushman Bharat card disease list to understand whether a specific illness is covered. While the complete list runs into hundreds of procedures, the scheme broadly supports both medical and surgical care.

Examples of diseases covered under Ayushman Bharat include
 • Coronary artery disease
 • Stroke and related neurological conditions
 • Chronic kidney disease
 • Certain cancers requiring surgery or chemotherapy
 • Serious infections needing hospitalisation

The focus is on reducing out-of-pocket expenditure during major health events.

Ayushman Bharat Surgery List

Surgical procedures form a large part of the scheme coverage. The Ayushman Bharat surgery list includes both common and complex surgeries.

Some examples from the PMJAY surgery list are
 • Cardiac bypass surgery
 • Angioplasty
 • Hip and knee replacement
 • Brain tumour surgery
 • Gall bladder removal
 • Appendectomy

Overview of Treatments Covered Under PMJAY

Category	Examples of Treatments
Cardiac care	Angioplasty, bypass surgery
Orthopaedics	Fracture treatment, joint replacement
Neurology	Stroke management, brain surgery
Oncology	Cancer surgery and selected therapies
Renal care	Dialysis, kidney-related procedures

This table provides a snapshot of the list of diseases covered under Ayushman Bharat.

What Is Not Covered Under PMJAY

While coverage is wide, some treatments fall outside the scheme.

Typically not covered
 • Outpatient consultations
 • Cosmetic procedures
 • Fertility treatments
 • Organ transplants not listed under packages

Knowing these exclusions helps families plan better.

How to Check the Ayushman Bharat card Treatment List

Beneficiaries can verify coverage by
 • Visiting the official Ayushman Bharat portal
 • Checking with empanelled hospitals
 • Contacting local health authorities

Managing Costs Beyond PMJAY Coverage

Even with government support, there may be situations where expenses exceed scheme limits. This could include non-covered medicines, extended hospital stays, or treatment at non-empanelled facilities.

In such cases, some families explore short term financial options like medical loans. Digital solutions such as an instant loan app are sometimes used to manage urgent expenses. Platforms like Kissht are often considered by people looking for quick access to funds, though borrowing decisions should always be made carefully.

Practical Tips for Beneficiaries

• Always carry the Ayushman Bharat card during hospital visits
• Confirm hospital empanelment before admission
• Ask for package details at the hospital desk
• Keep copies of medical records and discharge summaries

These steps help ensure smooth claim processing.

Final Thoughts

The Ayushman Bharat scheme plays a vital role in protecting families from catastrophic healthcare expenses. By understanding the diseases covered under PMJAY, beneficiaries can seek timely treatment without fear of overwhelming costs. While the scheme offers strong protection, being informed about coverage limits and planning for gaps ensures better financial and medical preparedness during health emergencies.

FAQs

Q1. What diseases are covered under PMJAY?

The scheme covers a wide range of medical and surgical conditions, including heart disease, cancer, kidney disease, and trauma-related treatments.

Q2. Is cancer treatment included in Ayushman Bharat?

Yes. Several cancer-related procedures and treatments are included under the scheme based on approved packages.

Q3. Can PMJAY be used in private hospitals?

Yes. Treatment can be availed at empanelled private hospitals as well as government hospitals.

Q4. What if treatment costs exceed the PMJAY limit?

Expenses beyond the covered amount must be paid separately. Some people manage this through savings or short-term financial options.