70% of eligible families never enrolled. Check in 2 minutes.
PM-JAY, PMSBY, PMJJBY, and 20+ state schemes. Find what you qualify for. Free, anonymous, no Aadhaar required to check.
Here's what's hidden — and why the market won't tell you.
- 01
70% of eligible Indian families are aware of PM-JAY. Only 16% are enrolled.
- 02
₹14,000 crore sits in unclaimed life and health insurance — largely because families never knew the cover existed.
- 03
Every Indian aged 70+ is automatically eligible for PM-JAY since October 2024. Almost nobody knows.
Clear answers, in language you actually recognise.
A 2-minute eligibility check across PM-JAY, PMSBY, PMJJBY, CGHS, ESI, and 14 state schemes.
Results grouped by family member — "Your father (72) qualifies for Vaya Vandana + PM-JAY automatically."
Step-by-step enrolment guide per scheme — online portal, CSC, bank branch, or SMS 14555.
A self-serve guide for when a hospital refuses to honour your PM-JAY card.
A self-serve guide for claiming an unclaimed PMJJBY/PMSBY death benefit from a deceased family member.
In two minutes — no forms, no agents, no waiting.
- 01Tell us about your household
State, age, income band, occupation. Add family members. Takes under 2 minutes. No Aadhaar required.
- 02See what your family qualifies for
All schemes checked at once. Green auto-eligible, amber possibly eligible, red not eligible — with a reason for each.
- 03Act on it
For each match, a step-by-step enrolment guide in your language. Direct deep-links to official portals.
For anyone who's never read the fine print — which is most of us.
The adult child in Bengaluru
Your parents live in a Tier-2 town. You want to know whether they qualify for PM-JAY or Vaya Vandana before the next hospital visit.
The construction worker in Mumbai
You're one of the 11 urban occupational categories auto-eligible for PM-JAY — but nobody told you. 2 minutes from now, you could have a ₹5 lakh cover.
The recently-bereaved family
A family member passed away. You suspect they had PMJJBY through their bank, but no policy document exists. We show you how to recover the ₹2 lakh.
- Is this really free? +
- Yes. The eligibility check is free forever. Scheme enrolment itself is on the government's official portal, also free. We never take a commission on a government scheme.
- Do I need Aadhaar to check eligibility? +
- No. We don't ask for Aadhaar at all. You only need Aadhaar if you choose to enrol, and that happens on the government's own portal — not ours.
- What if I live in West Bengal or Delhi? +
- West Bengal has its own Swasthya Sathi scheme (ran independently from PM-JAY). Delhi joined PM-JAY in April 2025. We cover both — and warn you about portability rules when a state-scheme beneficiary travels.
- Can you enrol me directly? +
- Not at launch. We guide you to the right official portal with the right documents. A paid "assisted enrolment" tier may come later, but the free check + walkthrough stays free forever.
We never place your policy or take a broker cut. IRDAI-registered advisory model.
Granular consent toggles. Export or delete everything any time. Enforced in product.
Your documents never leave India. Auto-delete at 7 days unless you save.
We don't share your policy with any insurer — ever. Not even anonymised.
Start — it's free
Eligibility check launches in beta shortly. The 21-scheme database, hospital-refusal guide, and unclaimed-recovery guide are under review — join the waitlist for early access.