{"id":1884,"date":"2026-11-06T12:07:27","date_gmt":"2026-11-06T12:07:27","guid":{"rendered":"https:\/\/www.coversure.in\/blog\/?p=1884"},"modified":"2026-11-06T12:07:27","modified_gmt":"2026-11-06T12:07:27","slug":"blog-health-insurance-ayushman-bharat-chandigarh","status":"publish","type":"post","link":"https:\/\/www.coversure.in\/blog\/health-insurance\/blog-health-insurance-ayushman-bharat-chandigarh\/","title":{"rendered":"What is the Ayushman Bharat in Chandigarh?"},"content":{"rendered":"<table>\n<thead>\n<tr>\n<th><b>QUICK GIST<\/b><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Chandigarh implements Ayushman Bharat PM-JAY directly, without a separate state-branded scheme. Eligible families get cashless, paperless treatment of up to \u20b95 lakh per family per year for secondary and tertiary hospitalisation, at government and empanelled private hospitals. Eligibility follows PM-JAY&#8217;s criteria, originally drawn from SECC 2011, with later national expansions. Since late 2024, all residents aged 70 and above qualify under Ayushman Vay Vandana, regardless of income. Use of the scheme in the UT has grown steadily: as per a Lok Sabha answer, hospital admissions rose from 5,206 in 2020-21 to 10,271 in 2022-23. The card also works at PM-JAY hospitals across India. Helpline: 14555.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><b>Ayushman Bharat in Chandigarh: \u20b95 Lakh of Cover in a City Built Around a Hospital<\/b><\/h2>\n<h3><b>The City Beautiful, and a big hospital next door<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Chandigarh is small, planned and green. It&#8217;s also home to one of North India&#8217;s best-known public hospitals, PGIMER, which draws patients from Punjab, Haryana, Himachal and beyond.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For eligible Chandigarh families, Ayushman Bharat makes that kind of care cashless, up to \u20b95 lakh a year. And since 2024, every resident aged 70 or more can join too.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But Ayushman Bharat isn&#8217;t automatic for every Chandigarh family. Here&#8217;s who qualifies and how to plan around it.<\/span><\/p>\n<table>\n<thead>\n<tr>\n<th><b>Living in Sector 22, parents in Mohali, in-laws in Panchkula?<\/b><span style=\"font-weight: 400;\"> That&#8217;s three governments and a lot of paperwork. <\/span><a href=\"https:\/\/www.coversure.in\/?utm_source=blog&amp;utm_medium=website&amp;utm_campaign=blog&amp;utm_id=1#bookacall\"><span style=\"font-weight: 400;\">Book a call with us<\/span><\/a><span style=\"font-weight: 400;\"> and we&#8217;ll help you sort it. Faster than a roundabout at rush hour.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<h3><b>What the scheme covers<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u20b95 lakh per family per year,<\/b><span style=\"font-weight: 400;\"> entitlement-based, floater.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Cashless and paperless<\/b><span style=\"font-weight: 400;\"> treatment at government and empanelled private hospitals.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Wide procedure range,<\/b><span style=\"font-weight: 400;\"> including surgery, oncology, nephrology and cardiology.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Portable across India.<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Seniors 70+<\/b><span style=\"font-weight: 400;\"> covered regardless of income, through Vay Vandana.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>No premium.<\/b><\/li>\n<\/ul>\n<table>\n<thead>\n<tr>\n<th><b>Got a private policy too?<\/b> <a href=\"https:\/\/www.coversure.in\/knowyourpolicy\"><span style=\"font-weight: 400;\">Know Your Policy<\/span><\/a><span style=\"font-weight: 400;\"> decodes it into plain language: benefits, limits, waiting periods and exclusions. Useful for comparing it with your Ayushman cover.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<h3><b>How to get your Ayushman card<\/b><\/h3>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Check eligibility<\/b><span style=\"font-weight: 400;\"> on the PM-JAY beneficiary portal or the Ayushman app.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Visit an empanelled hospital or authorised centre<\/b><span style=\"font-weight: 400;\"> and speak to the Ayushman Mitra.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Complete Aadhaar verification.<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Download or collect your card.<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Use it<\/b><span style=\"font-weight: 400;\"> at an empanelled hospital.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Helpline: <\/span><b>14555<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<table>\n<thead>\n<tr>\n<th><b>Check your status now.<\/b><span style=\"font-weight: 400;\"> Visit the <\/span><a href=\"https:\/\/beneficiary.nha.gov.in\/\"><span style=\"font-weight: 400;\">official PM-JAY beneficiary portal<\/span><\/a><span style=\"font-weight: 400;\">. Takes less time than finding parking in Sector 17.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<p>&nbsp;<\/p>\n<table>\n<thead>\n<tr>\n<th><b>Family across Chandigarh, Punjab and Haryana?<\/b><span style=\"font-weight: 400;\"> The <\/span><a href=\"https:\/\/unfold.coversure.in\/state-health-schemes\"><span style=\"font-weight: 400;\">CoverSure State Health Scheme Calculator<\/span><\/a><span style=\"font-weight: 400;\"> compares all three.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<h3><b>Worth knowing<\/b><\/h3>\n<p><b>It isn&#8217;t for everyone.<\/b><span style=\"font-weight: 400;\"> Regular PM-JAY eligibility follows set criteria. Many salaried Chandigarh families won&#8217;t qualify, except through the 70+ route.<\/span><\/p>\n<p><b>Seniors under other schemes must choose.<\/b><span style=\"font-weight: 400;\"> Those under CGHS, ECHS or CAPF schemes choose between their existing scheme and PM-JAY.<\/span><\/p>\n<p><b>Hospital stays only.<\/b><span style=\"font-weight: 400;\"> Routine OPD visits aren&#8217;t covered.<\/span><\/p>\n<p><b>Big hospitals get busy.<\/b><span style=\"font-weight: 400;\"> Popular public hospitals can have long waits for planned procedures. Ask about other empanelled options too.<\/span><\/p>\n<table>\n<thead>\n<tr>\n<th><b>Salaried, with a corporate policy and parents on Vay Vandana?<\/b><span style=\"font-weight: 400;\"> A <\/span><a href=\"https:\/\/policycheck.coversure.in\/?utm_source=blog&amp;utm_medium=website&amp;utm_campaign=blog&amp;utm_id=1\"><span style=\"font-weight: 400;\">Policy Health Check<\/span><\/a><span style=\"font-weight: 400;\"> reviews your private plan across 30+ parameters for \u20b999, against 1,500+ plans. Make sure the family&#8217;s cover fits together.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<p>&nbsp;<\/p>\n<table>\n<thead>\n<tr>\n<th><b>Ayushman card for your parents, office policy for you, car insurance for the Activa?<\/b> <a href=\"https:\/\/coversure.onelink.me\/40Yt\/blog\"><span style=\"font-weight: 400;\">Add your state scheme to your CoverSure insurance portfolio<\/span><\/a><span style=\"font-weight: 400;\"> and see it all in one app. Turn on <\/span><a href=\"https:\/\/coversure.onelink.me\/40Yt\/blog\"><span style=\"font-weight: 400;\">Family Share<\/span><\/a><span style=\"font-weight: 400;\"> so siblings in Canada can see the details too.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<h3><b>Ayushman Bharat vs a private plan<\/b><\/h3>\n<p><b>What Ayushman Bharat does well<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u20b95 lakh free<\/b><span style=\"font-weight: 400;\"> for eligible families.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Seniors 70+<\/b><span style=\"font-weight: 400;\"> covered regardless of income.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Strong public hospitals<\/b><span style=\"font-weight: 400;\"> in and around the city.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Portable across India.<\/b><\/li>\n<\/ul>\n<p><b>Where a private plan usually adds more<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Open to anyone<\/b><span style=\"font-weight: 400;\"> who meets the insurer&#8217;s rules.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Higher sums insured.<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Room choice and shorter waits<\/b><span style=\"font-weight: 400;\"> at private hospitals.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Restoration, cumulative bonus and tax benefits<\/b><span style=\"font-weight: 400;\"> (Section 80D, old regime; please verify limits).<\/span><\/li>\n<\/ul>\n<h3><b>When \u20b95 lakh meets a big year<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Meet the Sainis (a hypothetical eligible family; numbers are illustrative). They live in Maloya.<\/span><\/p>\n<table>\n<thead>\n<tr>\n<th><span style=\"font-weight: 400;\">Event in the year (hypothetical)<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Used from the \u20b95 lakh<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Father&#8217;s kidney transplant-related treatment<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b93.2 lakh<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Daughter&#8217;s appendix surgery<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b960,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Mother&#8217;s cataract surgery (she&#8217;s 72, so Vay Vandana can apply separately)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Separate senior cover<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Left for the family that year<\/b><\/td>\n<td><b>\u20b91.2 lakh<\/b><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<table>\n<thead>\n<tr>\n<th><b>Under-covered or over-covered?<\/b><span style=\"font-weight: 400;\"> The <\/span><a href=\"https:\/\/www.coversure.in\/riskcalculator\"><span style=\"font-weight: 400;\">CoverRisk Calculator<\/span><\/a><span style=\"font-weight: 400;\"> weighs your income, life stage, dependants and liabilities and gives you a clear answer. Free.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<h3><b>Who is eligible?<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Families eligible under PM-JAY,<\/b><span style=\"font-weight: 400;\"> originally from SECC 2011, plus later national expansions.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>All residents aged 70+,<\/b><span style=\"font-weight: 400;\"> regardless of income.<\/span><\/li>\n<\/ul>\n<h3><b>At a glance<\/b><\/h3>\n<table>\n<thead>\n<tr>\n<th><span style=\"font-weight: 400;\">Detail<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Ayushman Bharat PM-JAY (Chandigarh)<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Cover<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b95 lakh per family per year<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Who qualifies<\/span><\/td>\n<td><span style=\"font-weight: 400;\">PM-JAY-eligible families; all residents 70+<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Admissions<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5,206 (2020-21) to 10,271 (2022-23), per Lok Sabha data<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Hospitals<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Government and empanelled private hospitals; portable across India<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Premium<\/span><\/td>\n<td><span style=\"font-weight: 400;\">None<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Main limitations<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Not universal, no OPD, empanelled hospitals only<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Helpline<\/span><\/td>\n<td><span style=\"font-weight: 400;\">14555<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Official website<\/span><\/td>\n<td><a href=\"https:\/\/beneficiary.nha.gov.in\/\"><span style=\"font-weight: 400;\">beneficiary.nha.gov.in<\/span><\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<table>\n<thead>\n<tr>\n<th><b>Want the quick version?<\/b><span style=\"font-weight: 400;\"> Chandigarh&#8217;s Ayushman basics in a short LinkedIn carousel. <\/span><a href=\"https:\/\/www.linkedin.com\/posts\/coversurein_ayushman-bharat-pm-jay-chandigarh-activity-7498371952106070016-yXLx?utm_source=li_share&amp;utm_content=feedcontent&amp;utm_medium=g_dt_web&amp;utm_campaign=copy\"><span style=\"font-weight: 400;\">Swipe through it on CoverSure&#8217;s LinkedIn<\/span><\/a><span style=\"font-weight: 400;\"> and share it with the Sector group chat.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<h3><b>Quick answers (FAQs)<\/b><\/h3>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Is there a separate Chandigarh health scheme?<\/b><span style=\"font-weight: 400;\"> No. Chandigarh runs Ayushman Bharat PM-JAY.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>How much cover does it give?<\/b><span style=\"font-weight: 400;\"> \u20b95 lakh per family per year.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Can I use the Ayushman card at PGIMER?<\/b><span style=\"font-weight: 400;\"> PGIMER treats PM-JAY beneficiaries; confirm the specific department and package with the hospital.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Are seniors covered?<\/b><span style=\"font-weight: 400;\"> All residents aged 70+ are eligible, regardless of income.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Can I use it outside Chandigarh?<\/b><span style=\"font-weight: 400;\"> Yes, across India.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Is OPD covered?<\/b><span style=\"font-weight: 400;\"> No.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Is there a premium?<\/b><span style=\"font-weight: 400;\"> No.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>&#8220;Hey Google, what&#8217;s the Ayushman helpline?&#8221;<\/b><span style=\"font-weight: 400;\"> Call 14555.<\/span><\/li>\n<\/ol>\n<table>\n<thead>\n<tr>\n<th><b>Ayushman covers the hospital. CoverSure covers the rest.<\/b> <a href=\"https:\/\/coversure.onelink.me\/40Yt\/blog\"><span style=\"font-weight: 400;\">Download the CoverSure app<\/span><\/a><span style=\"font-weight: 400;\"> for policy storage, <\/span><a href=\"https:\/\/www.coversure.in\/insurance-renewal\"><span style=\"font-weight: 400;\">renewal<\/span><\/a><span style=\"font-weight: 400;\"> reminders and <\/span><a href=\"https:\/\/www.coversure.in\/SoS\"><span style=\"font-weight: 400;\">SOS<\/span><\/a><span style=\"font-weight: 400;\"> alerts.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<p><span style=\"font-weight: 400;\">Next up: Sikkim. <\/span><a href=\"https:\/\/coversure.onelink.me\/40Yt\/blog\"><span style=\"font-weight: 400;\">Subscribe to the CoverSure newsletter<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>QUICK GIST Chandigarh implements Ayushman Bharat PM-JAY directly, without a separate state-branded scheme. Eligible families get cashless, paperless treatment of up to \u20b95 lakh per family per year for secondary and tertiary hospitalisation, at government and empanelled private hospitals. Eligibility follows PM-JAY&#8217;s criteria, originally drawn from SECC 2011, with later national expansions. Since late 2024, [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":1885,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[7],"tags":[124],"class_list":["post-1884","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health-insurance","tag-state-health-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.6 (Yoast SEO v22.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ayushman Bharat Chandigarh: \u20b95 Lakh Cover, PGIMER &amp; Seniors<\/title>\n<meta name=\"description\" content=\"Chandigarh&#039;s PM-JAY gives eligible families \u20b95 lakh cashless cover, usable at PGIMER and across India. Seniors 70+ included. 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