Government health schemes
Three schemes most workers in these trades are entitled to. None of them is ours, none of them costs anything to apply for, and every page below leads with the government’s own number so you can check before you travel.
Government of India
Ayushman Bharat (PM-JAY)
Up to ₹5 lakh a year of free hospital treatment
Up to ₹5 lakh a year of cashless hospital treatment per family, at any empanelled government or private hospital.
How to claim itMinistry of Labour & Employment
e-Shram
A free card that puts a worker on the government’s list
The national register of unorganised workers. Free, one card for life, and the list governments use when a benefit is handed out.
How to claim itGovernment of Jharkhand
Mukhyamantri Abua Swasthya Suraksha Yojana
Up to ₹15 lakh a year, including families PM-JAY misses
Jharkhand’s own cover — up to ₹15 lakh a year per family, including families that PM-JAY does not reach.
How to claim it