Ayushman Bharat (PM-JAY) and Radiation Therapy — Eligibility, Empanelled Centres & How to Apply

Radiotherapy is listed among the cancer-care procedures in the PM-JAY Health Benefit Package for eligible families, so radiation therapy can be covered — but coverage isn't automatic. It depends on the specific package your empanelled hospital raises for your diagnosis and technique, whether your family's annual scheme cover for the year is still available, and pre-authorisation approval before treatment starts. This is guidance, not a coverage guarantee; our scheme desk checks your specific eligibility and package fit before you commit to a treatment plan.

Only hospitals empanelled with the National Health Authority under PM-JAY can offer cashless radiotherapy under the scheme, and empanelment status is reviewed periodically, so a list from even a year ago may be outdated. CION does not own radiotherapy equipment — your treatment is delivered at an NABH-accredited partner centre, and our scheme desk confirms, before you book, which of our partner centres currently hold PM-JAY empanelment for your specific technique and diagnosis, so you don't have to verify it yourself.

Start by confirming your family's eligibility through the Ayushman card, the PM-JAY mobile app or portal, or your nearest Common Service Centre, using your Aadhaar and family or ration ID. Once your tumour board finalises your treatment plan, the empanelled hospital's PM-JAY coordinator raises a pre-authorisation request for the specific radiotherapy package. Approval must come through before treatment begins — starting sessions without it can mean paying out of pocket. Our team helps coordinate this process alongside your treatment planning.

You'll typically need your Ayushman Bharat (PM-JAY) card or ID, the patient's Aadhaar card, the family or ration ID used for scheme eligibility, address proof matching your registration, and your diagnosis and treatment-plan documents from your treating oncologist. If you're continuing care from elsewhere, bring prior treatment records too. Having these ready before your first visit to an empanelled centre significantly shortens the pre-authorisation process and avoids delays to your treatment start date.

Generally no — PM-JAY, Aarogyasri and private insurance each work as a separate cashless scheme, and a hospital typically processes one course of treatment under a single scheme rather than combining them for the same claim. Which one applies to you usually depends on your specific eligibility and which scheme's package best fits your diagnosis and technique. Our scheme desk reviews your eligibility across all three and recommends the route most likely to reduce your out-of-pocket cost.

If your family's annual PM-JAY cover is exhausted, or your specific package amount doesn't fully stretch across a longer radiotherapy course, the remaining cost becomes payable directly — the scheme's cover is a defined annual limit per family, not an unlimited benefit. In that situation, our team discusses the balance amount with you upfront, alongside EMI options, Aarogyasri (if you're also eligible) or private insurance, so you have a clear, written picture before continuing treatment.