Government Schemes for Your Kidney Care
How Ayushman Bharat and state schemes help pay for dialysis and transplant, and who qualifies.
Last updated: 2026-09-24
Ayushman Bharat (PM-JAY) gives up to ₹5 lakh per family per year of cashless hospital cover, including dialysis and kidney transplant, at empanelled hospitals.
What it covers
- Dialysis sessions
- Kidney transplant surgery and hospitalisation
- Acute kidney injury treatment
- Pre-transplant investigations
The common gap
Outpatient anti-rejection medicines after transplant are generally not covered — a cost to plan for.
Frequently asked questions
Is dialysis free under Ayushman Bharat?
For eligible families, dialysis at empanelled hospitals is cashless under the ₹5 lakh cover.
How do I check eligibility?
Check the PM-JAY portal or app, or ask at any empanelled hospital.