Core features of AB PM-JAY MMSBY 1. A cashless health insurance cover of Rs 5 Lakh per family per year. 2. Cashless secondary care & tertiary care treatment (1579 packages) in public & empaneled private hospitals in all states of india. 3. 187 packages reserved for Government Hospitals. 4. Entitlement based Scheme. 5. Pre-existing diseases are covered and treatment package includes 3 day’s pre-hospitalization and 15 day's post hospitalization expenditure. 6. Beneficiaries can avail health services at empaneled private and government hospitals in all states of India where this scheme is being implemented