The Ayushman Bharat Yojana, also known as the Pradhan Mantri Jan Arogya Yojana (PMJAY), is one of India’s most significant health insurance schemes. Launched by the Government of India, its aim is to provide cashless treatment up to ₹5 lakh per family per year for economically weaker sections of society.

However, not every illness or medical condition is covered under this scheme. Recently, the government revised the list of covered treatments and excluded 196 medical conditions from the free treatment list. If you plan to use your Ayushman card, it’s important to understand both what is included and what’s not.

❌ Treatments Not Covered Under Ayushman Bharat

Here are some of the major treatments and conditions not included under the scheme:

1. Outpatient Treatment (OPD)

Regular doctor visits and consultations that don’t require hospital admission are not covered.

2. Diagnostic-Only Hospital Visits

If a patient is admitted solely for tests and ends up buying supplements like vitamins or protein, the scheme won’t cover those costs.

3. Dental Treatments

Cosmetic dental procedures such as tooth alignment, root canal treatment, dental implants, cavity fillings, or periodontal treatments are not included—unless it's related to trauma or tumors.

4. Infertility Treatments

Advanced reproductive treatments like IVF or other infertility procedures are excluded.

5. Cosmetic & Anti-Aging Surgeries

Surgeries purely for cosmetic reasons—such as fat reduction, anti-aging, tattoo removal by laser, or other aesthetic enhancements—are not covered.

✅ What’s Covered Under Ayushman Bharat?

Despite some exclusions, the scheme covers a wide range of serious medical conditions. Beneficiaries can receive free treatment up to ₹5 lakh for:

• Cardiology

• Cardiothoracic and Vascular Surgery

• General Surgery

• Oncology (Medical, Radiation & Surgical)

• Orthopedics

• Neurosurgery

• Neonatal care

• Emergency care

• Pediatrics & Pediatric Surgery

• Urology

• Organ & Tissue Transplants

• ENT, Eye & Dental surgeries (if medically necessary)

• Gynecology & Obstetrics

• Infectious Diseases

• Interventional Neuroradiology

• Psychiatry and mental health packages

• Plastic and reconstructive surgeries (medically indicated)

🚫 Who Is Not Eligible?

Not everyone qualifies for the Ayushman Bharat scheme. The following categories are excluded:

• Employees working in the organized sector

• Individuals who are already covered under ESIC (Employees’ State Insurance Corporation)

• Government employees or those with existing health benefits from the government

📝 How to Register for Ayushman Bharat?

If you think you qualify, you can apply easily:

1. Visit the official portal: www.pmjay.gov.in

2. Register using your mobile number

3. Keep documents handy: Aadhaar Card, Ration Card, RSBY URN number, etc.

📌 Final Note

Ayushman Bharat is a revolutionary initiative, but being aware of what’s covered—and what’s not—can save you from surprises during medical emergencies. Always verify your eligibility and understand the scheme’s coverage before relying on it.