Dear Saba Khan ji,
Tonsil surgery (tonsillectomy) is included under Ayushman Bharat (PMJAY) as part of ENT procedures, and you should not have to pay ₹1.2 lakh if your sister is treated at an empanelled hospital.
In Ernakulam, here are some confirmed hospitals that accept the Ayushman card for ENT surgeries:
General Hospital Ernakulam – A government facility with ENT services and PMJAY support
Chaithanya ENT Hospital – A private PMJAY‑empanelled centre specialising in ENT care
Sunrise Institute of Medical Sciences – Empanelled hospital offering general and ENT surgery
How to check empanelled hospitals in your area:
Select State: Kerala and District: Ernakulam
Choose Hospital Type: Government or Private
In Speciality, select ENT (or leave blank) and click Search
You will see a list of Ayushman-empanelled hospitals where tonsillectomy can be done cashless
If Ayushman card is not accepted by the hospital you prefer, other options include:
Zero-cost or low-interest EMI options: HexaHealth can help arrange financing so that the cost can be paid in affordable monthly installments
Private health insurance: If your family has any other insurance, it may also cover ENT surgeries
Subsidised care at government medical colleges or charitable hospitals