Government Health Scheme Checker
Answer 4 quick questions about your parent to see which government health schemes likely apply — the central Ayushman Bharat scheme, your state's own scheme, or CGHS — and exactly what to do next.
Frequently Asked Questions
Can my parent be covered by more than one government health scheme at once?
Yes, often. The central Ayushman Vay Vandana Card (for age 70+) and a state scheme can both apply to the same person, though the rules for using them together (which one pays first, whether they combine into one cover ceiling) vary by state. CGHS generally works differently and is usually the primary cover for its members rather than layered with the others.
This checker says I should check further — why can't it just tell me yes or no?
Below age 70 and without a CGHS card, eligibility for the income-based part of PM-JAY depends on detailed household deprivation criteria from government records (originally the Socio-Economic Caste Census) that this tool can't access. Rather than guess, we point you to the fastest reliable way to check — an empanelled hospital's Arogya Mitra desk or the PM-JAY helpline.
What is an Arogya Mitra desk?
It's a patient-facilitation desk found at PM-JAY and most state-scheme empanelled hospitals, staffed by people trained to check scheme eligibility, help with enrolment, and assist with cashless treatment paperwork. It's usually the fastest way to get a definitive answer in person.
Where to Go Next
The full guide to the central scheme and how to apply.
Understand every line on the bill once admitted.
An independent comparison for parents aged 70+.
What a hospital must legally tell you, give you, and let you do.
Back to the full list of guides for families living in India.