The Ayushman Bharat PM-JAY Treatment List 2026 helps eligible beneficiaries understand which hospital treatments and medical procedures may be covered under the scheme. If you are planning hospital treatment, this guide explains how to check the approved treatment packages, find relevant procedures, and understand the conditions for cashless treatment at empanelled hospitals.
One of the most common questions from Ayushman Card holders is simple:
“Which treatments are covered under Ayushman Bharat PM-JAY?”
The answer is more detailed than a simple list of diseases.
PM-JAY operates through defined Health Benefit Packages (HBPs) that cover secondary and tertiary hospitalisation. The package structure includes medical and surgical treatments and can be updated over time. States and UTs also have flexibility to implement and customize packages within the scheme framework. National Housing Authority
So, rather than relying on an old social-media list, it is safer to verify the applicable treatment through the hospital’s PM-JAY desk and official NHA/PM-JAY information.
What Does the PM-JAY Treatment List Mean?
The PM-JAY treatment list is essentially a collection of approved health benefit packages and procedures.
These packages can cover different areas of hospital care.
The official HBP documentation has included specialties such as:
- General medicine
- General surgery
- Cardiology
- Oncology
- Orthopaedics
- Neurosurgery
- Urology
- Obstetrics and gynaecology
- Paediatric care
- Ophthalmology
- Radiation oncology
- Medical management
- Surgical procedures
The exact applicable package depends on the medical condition, treatment and PM-JAY rules.
How Many Procedures Are Covered Under PM-JAY?
The number has changed as the Health Benefit Packages have been revised.
The NHA’s HBP documentation records revisions from HBP 1.0 through HBP 2.2, with procedures and package rates being added or revised over time. National Housing Authority
Government information in 2026 has also referred to 1,961 treatment procedures across 27 specialties under AB-PMJAY. Press Information Bureau
Therefore, avoid publishing an old “1,393 treatments” figure as if it were the current definitive number.
What Treatments Are Included in the Ayushman Bharat PM-JAY Treatment List?
The Ayushman Bharat PM-JAY Treatment List includes approved hospital treatment packages across multiple medical specialties. The exact procedure, package rate, eligibility conditions, and availability depend on the applicable scheme rules and hospital arrangements.
PM-JAY is designed primarily around secondary and tertiary hospitalisation.
Depending on the applicable package, coverage can include areas such as:
Cardiac treatment
Examples may include eligible cardiac procedures under approved packages.
Cancer treatment
Certain eligible oncology procedures and treatments are covered under applicable packages.
Surgery
PM-JAY includes numerous approved surgical packages.
Orthopaedic treatment
Eligible orthopaedic procedures can be covered where the applicable package is available.
Neurological treatment
Certain neurosurgical procedures are included in the health benefit package framework.
Urological treatment
Eligible urology procedures can also fall under PM-JAY packages.
Important: The presence of a medical specialty does not mean that every treatment within that specialty is automatically covered.
Is Every Disease Covered by Ayushman Bharat?
No—not in the sense that every medical expense is automatically free.
PM-JAY operates through approved health benefit packages.
A person may have an Ayushman Card and still need to verify:
- Whether the condition is covered
- Whether the specific procedure is covered
- Whether the hospital is empanelled for that specialty
- Whether the applicable package is available in that state
- Whether the treatment meets package conditions
This distinction is important.
How to Check the Ayushman Bharat PM-JAY Treatment List Online
To check the Ayushman Bharat PM-JAY Treatment List, visit the official PM-JAY website and look for the latest information on health benefit packages and covered procedures. Confirm the relevant package details with the hospital’s Ayushman help desk before treatment.
The safest method is to check before planned hospitalisation.
Step 1: Find an empanelled hospital
Use the official NHA hospital search facility.
Official NHA Hospital Search:
Find an Ayushman Bharat empanelled hospital
Step 2: Ask for the Ayushman Mitra
At the hospital, ask for the PM-JAY/Ayushman Mitra help desk.
Tell them the exact treatment or procedure recommended by your doctor.
Don’t simply say:
“I have heart disease.”
Instead, provide the actual procedure or diagnosis mentioned by the doctor.
Step 3: Ask which PM-JAY package applies
Ask:
“Is this procedure covered under a PM-JAY health benefit package?”
The hospital can check the applicable package through the PM-JAY system.
Step 4: Ask about package conditions
Some packages have specific eligibility or clinical conditions.
Ask whether:
- The procedure is approved
- The hospital is empanelled for it
- Pre-authorisation is required
- Any package-specific condition applies
- Any amount is expected to be paid by the beneficiary
Does the Ayushman Bharat PM-JAY Treatment List Cover Every Hospital Expense?
No. Inclusion in the Ayushman Bharat PM-JAY Treatment List does not mean every medical expense is automatically covered. Treatment must meet the applicable package conditions, and beneficiaries should confirm coverage and any relevant requirements with the empanelled hospital.
Coverage depends on the applicable package.
PM-JAY health benefit packages are designed as bundled benefits for covered hospitalisation rather than simply reimbursing every medical bill separately. NHA documentation describes health benefit packages as bundled costs for the applicable inpatient care. National Housing Authority
This is why it is important to ask the hospital which package is being used.
Can I Get Treatment Outside My Home State?
Yes.
PM-JAY provides nationwide portability.
Eligible beneficiaries can access covered treatment at empanelled hospitals outside their home state, subject to the scheme’s applicable rules and package availability. Press Information Bureau
This is particularly useful for patients who need specialised treatment that may not be easily available nearby.
What If the Hospital Says Your Treatment Is Not Covered?
Don’t stop at a verbal answer if you are unsure.
Ask:
- What is the name of the procedure?
- Is the hospital empanelled for this specialty?
- Is there a PM-JAY package for the procedure?
- Why is it not being approved?
- Can another empanelled hospital provide it?
If you still need clarification, contact 14555.
Important Difference: Disease vs Procedure
This is one of the most useful things to understand.
Suppose a patient says:
“I have a heart problem.”
That statement alone does not tell us whether a particular treatment is covered.
The actual question is:
“What procedure or hospitalisation package does the patient require?”
That’s why PM-JAY coverage should be checked against the specific procedure/package, not merely the name of a disease.
How to Avoid Outdated PM-JAY Treatment Lists
You may find websites or social-media posts saying:
“Here are all 1,393 PM-JAY treatments.”
Be careful.
The NHA has revised the Health Benefit Packages over time. HBP 2.2, for example, contained 919 packages and 1,670 procedures in the NHA’s documented version. National Housing Authority
Later government information has referred to 1,961 procedures across 27 specialties.
Therefore, the number and exact package details should not be treated as permanently fixed.
Frequently Asked Questions
Q1. Does Ayushman Bharat cover surgery?
Many eligible surgical procedures are covered under approved PM-JAY packages, subject to applicable rules.
Q2. Does PM-JAY cover cancer treatment?
Eligible cancer-related treatments are included under applicable oncology packages. The exact procedure should be verified with the empanelled hospital.
Q3. Does PM-JAY cover heart surgery?
Certain cardiac procedures are covered under approved packages. Confirm the specific procedure with the PM-JAY desk.
Q4. Can I check treatment coverage before admission?
Yes. For planned treatment, it is sensible to discuss the procedure with an empanelled hospital’s Ayushman Mitra before admission.
Q5. Is every hospital treatment free with an Ayushman Card?
No. The card provides benefits according to the scheme’s eligibility, approved packages and applicable rules.
Final Takeaway
The Ayushman Bharat PM-JAY Treatment List should not be treated as a simple list of diseases.
PM-JAY operates through defined health benefit packages, and the applicable package depends on the patient’s treatment, hospital and scheme rules.
For an important planned procedure, verify the exact procedure with an empanelled hospital and its Ayushman Mitra before admission.
Related Benefitomics guides:
- Ayushman Bharat PM-JAY Guide 2026: Eligibility, ₹5 Lakh Cover, Card & Hospital Benefits
- Ayushman Bharat Hospital List 2026: How to Find Empanelled Hospitals Near You
- Ayushman Bharat PM-JAY Eligibility 2026: Who Can Get ₹5 Lakh Health Cover?
- Ayushman Card Status Check 2026: How to Check Your Application Status
- Ayushman Card Not Working or Hospital Refusing Treatment? What to Do
- Ayushman Bharat PM-JAY Documents Required 2026: Complete Checklist