Insurance & Government Schemes
Cost is usually the first question a family asks about kidney care — which is fair, since dialysis and transplant are long-term commitments. Fortis Hospital works with government schemes and private insurers so you understand your real out-of-pocket cost before treatment begins, not after.
What is Ayushman Bharat and does it cover kidney treatment?
Ayushman Bharat (PM-JAY) is a government health insurance scheme covering hospitalization, including many dialysis and transplant procedures, for eligible low-income families up to ₹5 lakh per year.
What is PM-NDAP?
The Pradhan Mantri National Dialysis Programme provides free or subsidised dialysis at empanelled government and partner centres, independent of Ayushman Bharat eligibility in many states.
Can I use private insurance alongside a government scheme?
In most cases you'll need to choose one payer per treatment episode, but our billing team can help you figure out which option covers more of your specific costs before treatment starts.