Ayushman Card (PM-JAY) is a flagship government health insurance scheme that provides up to ₹5 lakh of free, cashless medical treatment per family every year to eligible Indian households. Launched under the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana, the scheme aims to reduce the financial burden of hospital expenses and ensure quality healthcare access for economically vulnerable families.
In this blog, you will get a complete and easy-to-understand guide on Ayushman Card (PM-JAY), including who is eligible, the key benefits offered, the list of empanelled government and private hospitals, and a step-by-step explanation of how to apply for it online and offline.
What Is Ayushman Card (PM-JAY)?
Ayushman Card (PM-JAY) is a government-issued health insurance card that allows eligible families to receive cashless and paperless medical treatment up to ₹5 lakh per year at empanelled public and private hospitals across India. It is issued under the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana and is designed to protect economically vulnerable households from high healthcare costs.
1. Meaning of Ayushman Card
The Ayushman Card serves as proof of enrollment under PM-JAY. Once issued, beneficiaries can use the card to access free medical treatments without paying upfront hospital bills, making quality healthcare more accessible and affordable.
2. Objective of the PM-JAY Scheme
The main objective of PM-JAY is to reduce out-of-pocket medical expenses for poor and lower-income families. The scheme focuses on providing financial protection against major illnesses, surgeries, and hospitalizations, while improving access to quality healthcare services.
3. Who Launched PM-JAY and Why?
PM-JAY was launched by the Government of India in 2018 as part of the Ayushman Bharat mission. The scheme was introduced to address the lack of health insurance coverage among vulnerable populations and to prevent families from falling into poverty due to high medical expenses.
4. How Ayushman Card Works (Cashless & Paperless Treatment)
Under PM-JAY, beneficiaries do not need to pay hospital bills upfront. Hospitals verify the Ayushman Card and Aadhaar details digitally, and the treatment cost is settled directly between the hospital and the government. This ensures a cashless, paperless, and hassle-free treatment experience for patients.
Key Benefits of Ayushman Card
The Ayushman Card (PM-JAY) offers comprehensive health insurance coverage designed to reduce the financial burden of medical expenses for eligible families. Below are the key benefits explained clearly:
1. ₹5 Lakh Health Insurance Cover per Family per Year
Under PM-JAY, each eligible family gets health coverage of up to ₹5 lakh every year, which can be used for secondary and tertiary hospitalization. This coverage applies to the entire family on a floater basis.
2. Covers Pre- and Post-Hospitalization Expenses
The Ayushman Card covers medical costs incurred before and after hospitalization, including diagnostics, medicines, and follow-up treatment, ensuring complete financial protection during the treatment cycle.
3. No Age Limit or Family Size Restriction
One of the biggest advantages of the Ayushman Card is that there is no restriction on age, gender, or family size. All eligible family members are covered under a single card.
4. Cashless Treatment at Empanelled Hospitals
Beneficiaries can avail cashless and paperless treatment at thousands of empanelled government and private hospitals across India. There is no need to pay money upfront, as the hospital bills are settled directly under the scheme.
5. Coverage for Serious and Chronic Diseases
PM-JAY covers a wide range of serious and chronic illnesses, including major surgeries, critical care procedures, and long-term treatments, helping families avoid high out-of-pocket medical expenses.
This wide-ranging coverage makes the Ayushman Card one of the most beneficial government health insurance schemes in India.
Ayushman Card Eligibility Criteria
Eligibility for the Ayushman Card (PM-JAY) is primarily determined based on the Socio-Economic Caste Census (SECC) 2011 data. The criteria differ for rural and urban households to ensure that the scheme reaches economically vulnerable families.
Rural Area Eligibility
In rural areas, families are eligible if they fall under any of the SECC 2011 deprivation criteria, which include:
- Households with only one room made of kutcha walls and roof
- Families with no adult member between 16–59 years
- Female-headed households with no adult male member
- Families with disabled members and no able-bodied adult
- SC/ST households
- Landless families dependent mainly on manual labour
These categories help identify families that are most in need of financial health protection.
Urban Area Eligibility
For urban households, eligibility is based on occupation categories as defined under SECC 2011. Families engaged in the following occupations are generally eligible:
- Ragpickers
- Domestic workers
- Street vendors, hawkers, and cobblers
- Construction workers, plumbers, masons, painters
- Security guards and helpers
- Transport workers (drivers, conductors, cleaners)
- Shop assistants, peons, and delivery staff
Who Is Not Eligible for Ayushman Card?
Certain households are excluded from PM-JAY even if they apply. Exclusion conditions include families that:
- Own a four-wheeler or motorized agricultural equipment
- Have a government employee in the household
- Own large land holdings or pucca houses
- Have a high monthly income or pay income tax
- Run registered businesses or professional enterprises
Meeting any of these exclusion criteria generally disqualifies a household from receiving the Ayushman Card.
This eligibility framework ensures that PM-JAY benefits are targeted toward families who genuinely need financial support for healthcare.
Documents Required for Ayushman Card
To apply for an Ayushman Card (PM-JAY), eligible beneficiaries need to submit a few basic documents for identity verification and eKYC. The required documents are simple and easily available for most households.
1. Aadhaar Card
The Aadhaar card is the primary document used for identity verification and eKYC. It helps authenticate beneficiaries and link family members under the Ayushman Card.
2. Ration Card
A ration card is used to verify family details and household eligibility, especially for identifying beneficiaries under the SECC 2011 database.
3. Mobile Number
A valid mobile number is required to receive OTPs for verification, eligibility checks, and card download notifications.
4. Identity Proof
If Aadhaar is not available or additional verification is needed, other identity proof documents such as voter ID, PAN card, or driving licence may be accepted at CSC centers.
5. Address Proof (If Required)
In some cases, address proof like Aadhaar, ration card, electricity bill, or voter ID may be requested to confirm residence details.
Keeping these documents ready helps ensure a smooth and quick Ayushman Card application and verification process.
How to Apply for Ayushman Card Online (Step-by-Step)
Eligible beneficiaries can apply for the Ayushman Card online through the official PM-JAY portal using a simple verification process. Follow the steps below carefully:
Step 1 – Visit Official PM-JAY Website
Go to the official website of Ayushman Bharat Pradhan Mantri Jan Arogya Yojana. This is the authorized platform to check eligibility and start the Ayushman Card application process.
Step 2 – Check Eligibility Using Mobile Number / Ration Card
On the portal, enter your registered mobile number, ration card number, or other required details to check whether your family is listed under the PM-JAY beneficiary database.
Step 3 – Verify with OTP
After entering the details, you will receive an OTP on your registered mobile number. Enter the OTP to verify your identity and proceed further.
Step 4 – Complete eKYC (Aadhaar-based)
Once eligibility is confirmed, complete the Aadhaar-based eKYC process. This step verifies personal details and links the Aadhaar number to the Ayushman Card to ensure accurate beneficiary records.
Step 5 – Download Ayushman Card
After successful verification and approval, you can download the Ayushman Card directly from the portal. The digital card can be saved on your phone or printed and used at empanelled hospitals.
Following these steps ensures a smooth and hassle-free online application for the Ayushman Card under PM-JAY.
How to Apply for Ayushman Card Offline
Beneficiaries who are unable to apply online can easily apply for the Ayushman Card (PM-JAY) through the offline process with the help of authorized centers.
1. Visit CSC (Common Service Centre)
Visit your nearest Common Service Centre (CSC) or empanelled Ayushman Mitra desk at a government hospital. These centers are officially authorized to assist beneficiaries with Ayushman Card registration.
2. Required Documents
Carry all necessary documents such as Aadhaar card, ration card, mobile number, and any additional identity or address proof if required. These documents are used to verify eligibility and family details.
3. Biometric Verification Process
At the CSC, the operator will complete biometric authentication using your Aadhaar details. Once biometric verification is successful, the Ayushman Card is generated and can be printed or downloaded.
How to Check Ayushman Card Status
Applicants can check the status of their Ayushman Card application both online and offline using simple methods.
1. Online Status Check
Visit the official PM-JAY website and select the option to check Ayushman Card status. Enter the required details to track your application progress.
2. Using Aadhaar / Mobile Number
You can check the status by entering your Aadhaar number or registered mobile number. An OTP-based verification confirms your identity and displays the card status.
3. Offline Verification at CSC
If you prefer offline assistance, visit a CSC center with your Aadhaar card. The CSC operator can verify your application status and help you download or print the Ayushman Card if it has been approved.
These options make it easy for beneficiaries to apply for and track their Ayushman Card without hassle.
Ayushman Card Hospital List (PM-JAY Empanelled Hospitals)
The Ayushman Card (PM-JAY) can be used only at empanelled hospitals approved under the scheme. These hospitals follow standard treatment packages and offer cashless, paperless care to beneficiaries.
1. Government Hospitals
PM-JAY covers treatment at a wide network of government hospitals, including district hospitals, medical colleges, and specialty public healthcare institutions. These hospitals provide affordable and reliable care under predefined package rates.
2. Private Hospitals
Many private hospitals and nursing homes are also empanelled under PM-JAY. These hospitals meet quality and infrastructure criteria set by the scheme and offer cashless treatment for covered procedures.
3. How to Search Hospital List Online
You can search the official PM-JAY hospital list by:
Visiting the official portal of Ayushman Bharat Pradhan Mantri Jan Arogya Yojana
Selecting “Find Hospital”
Choosing your state, district, hospital type (government/private), and specialty
The portal displays complete hospital details, address, and contact information.
4. State-wise Hospital Availability
Hospital availability varies by state and district. Some states have a higher number of private empanelled hospitals, while others rely more on government facilities. Beneficiaries are advised to check the state-wise hospital list before planning treatment.
Diseases & Treatments Covered Under Ayushman Card
PM-JAY covers a wide range of medical procedures and treatments, focusing on secondary and tertiary healthcare.
1. Surgeries
The scheme covers major and minor surgeries, including cardiac procedures, orthopedic surgeries, cancer-related surgeries, and general surgical treatments.
2. Critical Illnesses
Treatment for serious and life-threatening diseases such as cancer, heart disease, kidney failure, neurological disorders, and trauma care is included under PM-JAY packages.
3. Maternity & Neonatal Care
Ayushman Card provides coverage for maternity-related treatments, including deliveries and neonatal care, ensuring financial support for mother and child in eligible cases.
4. COVID and Emergency Treatments
Emergency hospitalization, including COVID-related treatment and other medical emergencies requiring immediate care, is covered as per approved treatment packages.
What Is Not Covered
Despite its wide coverage, PM-JAY does not include:
- Outpatient (OPD) consultations
- Cosmetic or aesthetic procedures
- Fertility treatments
- Non-medical expenses
- Treatments not listed under PM-JAY packages
Understanding the hospital network and treatment coverage helps beneficiaries use the Ayushman Card effectively and avoid unexpected expenses.
Ayushman Card vs Private Health Insurance
Both Ayushman Card (PM-JAY) and private health insurance aim to cover medical expenses, but they differ significantly in cost, coverage, and usage.
1. Cost Comparison
The Ayushman Card is completely free for eligible families, as it is funded by the Government of India. In contrast, private health insurance policies require annual premiums, which increase with age, health conditions, and coverage amount.
2. Coverage Limits
Under PM-JAY, beneficiaries receive up to ₹5 lakh per family per year for secondary and tertiary care. Private health insurance plans may offer higher coverage options, but they come at a higher premium and often include waiting periods and exclusions.
3. Claim Process
Ayushman Card claims are cashless and paperless at empanelled hospitals, with no reimbursement paperwork for patients. Private insurance claims may involve cashless approvals or reimbursement processes, documentation, and approval timelines.
4. Who Should Choose Ayushman Card?
Ayushman Card is ideal for low-income and economically vulnerable families who do not have any health insurance. Private health insurance is more suitable for individuals seeking higher coverage, OPD benefits, and wider hospital choices.
Common Problems & Solutions
While applying for or using the Ayushman Card, beneficiaries may face a few common issues. Here’s how to address them:
1. Name Not in Eligibility List
If your name does not appear in the PM-JAY database, visit the nearest CSC center or Ayushman Mitra desk with valid documents. The operator can check SECC data and guide you on possible corrections.
2. Aadhaar Mismatch
Aadhaar-related errors occur due to spelling or biometric mismatches. Update your Aadhaar details at an authorized Aadhaar center and retry the eKYC process.
3. eKYC Failure
eKYC may fail due to OTP issues, biometric errors, or connectivity problems. In such cases, try completing eKYC at a CSC center, where biometric verification can be done offline.
4. Hospital Denial Issues
If a hospital refuses treatment under PM-JAY, contact the Ayushman Mitra helpdesk at the hospital or raise a complaint through the official PM-JAY grievance system for quick resolution.
Understanding these differences and solutions helps beneficiaries make informed decisions and use the Ayushman Card effectively.
FAQs on Ayushman Card (PM-JAY)
1. Is Ayushman Card free of cost?
Yes, the Ayushman Card (PM-JAY) is completely free for eligible beneficiaries. There is no application fee, premium, or renewal charge.
2. How much health coverage does Ayushman Card provide?
The scheme provides health insurance coverage of up to ₹5 lakh per family per year for secondary and tertiary hospitalization.
3. Can Ayushman Card be used outside the home state?
Yes, Ayushman Card offers pan-India portability. Beneficiaries can avail cashless treatment at empanelled hospitals in any state across India.
4. Is Aadhaar mandatory for Ayushman Card?
Aadhaar is generally required for eKYC and identity verification. However, in some cases, alternative documents may be accepted at CSC centers.
5. How many times can Ayushman Card be used in a year?
There is no limit on the number of hospitalizations, as long as the total treatment cost stays within the ₹5 lakh annual limit.
6. Can salaried or middle-class people apply for Ayushman Card?
The scheme is targeted at economically vulnerable families identified under SECC 2011. Salaried or middle-income individuals are usually not eligible unless they meet the criteria.
7. Does Ayushman Card cover pre-existing diseases?
Yes, pre-existing diseases are covered from day one. There is no waiting period under PM-JAY.
8. How long is the Ayushman Card valid?
The Ayushman Card does not have an expiry date. It remains valid as long as the beneficiary continues to be eligible under PM-JAY.
Conclusion
The Ayushman Card (PM-JAY) plays a crucial role in making quality healthcare accessible and affordable for millions of eligible families across India. With ₹5 lakh health insurance cover per family per year, cashless treatment at empanelled hospitals, and coverage for major diseases and surgeries, the scheme provides strong financial protection against rising medical costs.
If you or your family meet the eligibility criteria under Ayushman Bharat Pradhan Mantri Jan Arogya Yojana, applying for the Ayushman Card can help you avoid heavy out-of-pocket hospital expenses. Always check the hospital list in advance and keep your documents updated to ensure a smooth treatment experience. For eligible households, the Ayushman Card is not just a benefit—it is a vital healthcare safety net.
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