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Home / Health Insurance / Articles / Government Schemes / Difference Between Ayushman Bharat Yojana and Pradhan Mantri Matru Vandana Yojana (PMJAY vs PMMVY)

Difference Between Ayushman Bharat Yojana and Pradhan Mantri Matru Vandana Yojana (PMJAY vs PMMVY)

Team AckoSept 21, 2023

India is the second-most populous country in the world and man-power is its main strength. The government runs various schemes that provide financial aid or services in sectors like healthcare, food, sanitation, etc. Two of such benefits schemes are Ayushman Bharat Yojana and Pradhan Mantri Matru Vandana Yojana. They both serve separate purposes. Let’s take a look at the difference between Ayushman Bharat Yojana and Pradhan Mantri Matru Vandana Yojana.




Difference Between Ayushman Bharat Yojana (PMJAY) and Pradhan Mantri Matru Vandana Yojana (PMMVY)

Here is a table that shows the differences between Ayushman Bharat Yojana and Pradhan Mantri Matru Vandana Yojana:

1Launch Date23 September 20182017
2Full-FormPradhan Mantri Jana Aarogya Yojana or Ayushman Bharat YojanaPradhan Mantri Matru Vandana Yojana
3MeaningThe meaning of this scheme loosely translates to “Long Live India Scheme”. It indirectly gives a message that the healthcare scheme will help a person live longer.Matru Vandana means worshipping the mother. The scheme provides maternity benefits to first-time mothers.
4OwnerNational Health AuthorityMinistry of Women & Child Development under National Food Security Act, 2013
5PurposeTo provide health insurance benefits to low-income familiesTo help with dietary and nutritional needs of pregnant and lactating women
6Monetary benefitA total sum insured of Rs. 5 Lakh per familyAn incentive of Rs. 6000
7RenewabilityLifetime (visits to Swastha Vibhag or an empanelled hospital is required to keep the card active)Not applicable
8Health card nameAyushman Bharat Health Card or PM-JAY CardMCP (Mother and Child Protection) Card
9Registration is done bySelf with the help of Aadhaar cardSeva Mitra
10EligibilityFamilies that are classified as financially deprived under Socio-Economic and Caste Census 2011 data and Rashtriya Swasthya Bima Yojana are eligibleA first-time pregnant woman over the age of 19 years is eligible
11Health insuranceAvailableNot available
12Maternity benefitsCoveredNot covered
13ClaimCashless claim during treatmentDisbursement of incentive after filling applications at corresponding stages of pregnancy and childbirth.
14Number of beneficiariesAll family membersOne
15Conditions coveredCOVID-19 Prostate cancer Coronary artery bypass graft Double valve replacement Pulmonary valve replacement Anterior spine fixation Skull base surgery Laryngopharyngectomy with gastric pull-up Carotid angioplasty with stent Tissue expander for disfigurement following burns, etc.Pregnancy Childbirth

Also, read; Ayushman Bharat Health Account (ABHA Card)


National schemes are an excellent way of providing healthcare and other services to the lower strata of society. This enables them to avail proper medical treatments and access to nutrition to an extent. Ayushman Bharat Yojana and Pradhan Mantri Matru Vandana Yojana are gaining recognition from all over the world where these schemes are deemed as “ambitious” by the World Health Organization.

Frequently Asked Questions:

National schemes like PM-JAY and PMMVY are implemented in almost every state in the country. However, the expansion to cover the entire geographical area is under process. Both schemes are a little complex to understand and people may have lots of questions regarding the plans and their benefits or eligibility. Here are answers to a few of those questions:

Is there a difference between Ayushman Bharat Yojana and PM-JAY?


No, these are names of the same scheme. There have been modifications in the Pradhan Mantri Jana Arogya Yojana and the end result was Ayushman Bharat Yojana.

What are the benefits of Ayushman Bharat Yojana?


Health insurance benefits are provided under Ayushman Bharat Yojana to low income families. There is no restriction on the number, age or gender of the family members. Pre-existing diseases are covered. And free COVID-19 tests are provided.

What is the eligibility of PM-JAY?


Families that belong to low-income groups are covered under PM-JAY.

What is the use of PM-JAY?


An eligible person can use the PM-JAY scheme benefits during a medical emergency. He/she can avail cashless and paper-free treatment at an empanelled hospital. The sum insured for one family is Rs. 5 lakh/year.

Who is ineligible to get the benefits of PM-JAY?


Any person that does not fit the eligibility criteria cannot avail the benefits of this scheme. This means a person with a steady income, not financially deprived and who does not belong below the poverty line is not eligible.

What is Ayushman Bharat Yojana?


Ayushman Bharat Yojana is the world’s biggest national healthcare program that covers low-income groups against medical treatments and related expenses.

What documents are required for PMMVY?


The following list of document are usually required for the PMMVY:>Duly filled Application Form>Copy of MCP card>Identity Proof>Bank details>An undertaking signed by the applicant and her husband

Which diseases are covered by Ayushman Bharat?


This is a short list of diseases covered under PM-JAY scheme:>Prostate cancer>Double valve replacement>Coronary artery bypass graft>COVID-19>Pulmonary valve replacement>Skull base surgery>Anterior spine fixation>Laryngopharyngectomy with gastric pull-up>Tissue expander for disfigurement following burns>Carotid angioplasty with stent

How to apply for Pradhan Mantri matritva Vandana Yojana?


One can visit the local anganwadi center or any approved health care facility and apply for the scheme with the required documents.

What is Pradhan Mantri matru Vandana Yojana?


PMMVY is a national scheme that provides monetary benefit to a first-time mother. The intention is to take care of basic dietary and nutritional needs that a woman has during pregnancy and childbirth.

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Disclaimer: *Except for exclusions like maternity benefits, undisclosed diseases, etc. Please check policy wordings for more details.
**The content on this page is generic and shared only for informational and explanatory purposes. It is based on industry experience and several secondary sources on the internet; and is subject to changes. Please go through the applicable policy wordings for updated ACKO-centric content and before making any insurance-related decisions.

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