PM-JAY Ayushman Bharat in Andhra Pradesh is the national health cover — ₹5 lakh per family per year at empanelled hospitals — running alongside the state’s own Dr NTR Vaidya Seva scheme, which gives cashless treatment of up to ₹25 lakh per family per year. Two schemes, two cards, one hospital visit: it is no wonder families ask which one applies to them. This guide to PM-JAY Ayushman Bharat in Andhra Pradesh explains what PM-JAY is, how it differs from Vaidya Seva, how the two work together at the same hospital, and what to ask at the hospital desk before treatment begins.

PM-JAY Ayushman Bharat in Andhra Pradesh: What PM-JAY Is

PM-JAY — the Pradhan Mantri Jan Arogya Yojana, the health cover under Ayushman Bharat — is the Government of India’s national scheme giving ₹5 lakh per family per year for hospital treatment at empanelled hospitals. It is meant for poor and vulnerable families, identified through the national beneficiary list, and it works on a family-floater basis: any member of the family can use the cover, up to the ₹5 lakh limit for the family in a year.

In Andhra Pradesh, PM-JAY exists alongside the state’s own scheme, and the two are not the same thing. PM-JAY is a national scheme with its own beneficiary list and its own card, the Ayushman card. Dr NTR Vaidya Seva is the state’s scheme, with its own network of empanelled hospitals and its own Trust. A family may be listed under one, both, or neither — and that is exactly why the question matters at the hospital.

How PM-JAY Works Alongside Vaidya Seva

PM-JAY Ayushman Bharat in Andhra Pradesh works alongside Vaidya Seva because both schemes run through empanelled hospitals, and many hospitals are empanelled under both. In practice, that means the hospital’s help desk — the Aarogya Mitra desk for Vaidya Seva — is the place to ask which card is accepted for your treatment, and under which scheme the pre-authorisation should be raised.

The state’s own Dr NTR Vaidya Seva is the primary route in Andhra Pradesh, and its cover is larger — up to ₹25 lakh per family per year, against PM-JAY’s ₹5 lakh. For a family covered by Vaidya Seva, the state scheme is usually the one that pays. For a family that holds an Ayushman card but is not covered by Vaidya Seva, PM-JAY is the route. And for a family covered by both, the hospital desk decides which scheme applies to the particular treatment, so that the family does not have to choose blind.

Do not assume that a hospital that accepts one scheme accepts the other. Always ask the desk before admission: which card is accepted here, for this treatment, and under which scheme will the pre-authorisation be raised? The answer determines which card you show and which portal the hospital uses.

How to Check Whether You Are Covered by PM-JAY

To check whether your family is covered by PM-JAY Ayushman Bharat in Andhra Pradesh, use the national beneficiary portal at beneficiary.nha.gov.in. You can check by Aadhaar or by family details whether your family is listed as a PM-JAY beneficiary, and whether an Ayushman card has been issued. If your family is listed, you can get the Ayushman card made — at a Common Service Centre or through the portal’s process — and keep it with your other health documents.

Check Vaidya Seva separately, on the state’s portal at drntrvaidyaseva.ap.gov.in, and through your Sachivalayam, which holds the family’s scheme records. Our guide to Dr NTR Vaidya Seva Network Hospitals explains how to find an empanelled hospital by district and speciality, and our step-by-step guide to Free Treatment under Dr NTR Vaidya Seva explains the admission process through the Aarogya Mitra help desk.

If you are listed under neither scheme, ask at the Sachivalayam what you are eligible for. Do not pay anyone who offers to add your name to the PM-JAY list — the list is fixed by the national data, and no agent can change it for a fee.

At the Hospital: What to Ask Before Treatment

Before treatment begins, ask the hospital desk three questions. First, which scheme will pay for this treatment — PM-JAY or Vaidya Seva — and which card should I show? Second, is the treatment covered in full, or is there a part I will have to pay for? Third, what is the pre-authorisation reference, and who do I contact if the approval is delayed?

Carry both cards if you have them — the Ayushman card and the family’s ration card or other proof of Vaidya Seva eligibility — along with the patient’s Aadhaar card and any medical records. The desk needs to see the right card for the scheme that will pay, and having both avoids a wasted trip home. Keep every paper the desk gives you, including the pre-authorisation reference and the discharge summary.

If the hospital says neither scheme applies to your treatment, ask why, in writing if you can, and check the position with the Sachivalayam. Our guide to the AP Universal Health Policy explains the insurer and Trust layers that sit on top of Vaidya Seva, and our guide to a GSWS NBM grievance explains how to complain if a hospital wrongly refuses covered treatment.

Frequently Asked Questions About PM-JAY Ayushman Bharat in Andhra Pradesh

How much does PM-JAY cover?

₹5 lakh per family per year for hospital treatment at empanelled hospitals, under the national Ayushman Bharat scheme. It is a family-floater cover — any member of the family can use it, up to the family limit.

Is PM-JAY the same as Dr NTR Vaidya Seva?

No. PM-JAY is the national scheme (₹5 lakh per family per year). Dr NTR Vaidya Seva is Andhra Pradesh’s own scheme (cashless treatment up to ₹25 lakh per family per year). In AP, Vaidya Seva is the primary route, and both run through empanelled hospitals.

How do I check if my family is a PM-JAY beneficiary?

On the national beneficiary portal at beneficiary.nha.gov.in, by Aadhaar or family details. Check Vaidya Seva separately on drntrvaidyaseva.ap.gov.in and at your Sachivalayam.

Which card should I show at the hospital?

Ask the hospital desk which card is accepted for your treatment — the Ayushman card for PM-JAY, or the ration card or other proof of eligibility for Vaidya Seva. Carry both if you have them.

What if the hospital refuses my card?

Ask the desk for the reason, check your status on both portals, and if the treatment should be covered, file a grievance on gsws-nbm.ap.gov.in or call the helpline 1902. The official state portal for general information is ap.gov.in.

PM-JAY Ayushman Bharat in Andhra Pradesh is a ₹5 lakh national cover that sits beside the state’s own ₹25 lakh Vaidya Seva scheme. Check both portals, carry both cards, and ask the hospital desk which scheme pays for your treatment before it begins. That one question is the difference between a cashless admission and a bill you did not expect.

Last updated: November 2026