The Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the world’s largest government-sponsored health assurance scheme. Designed to protect poor and vulnerable families from catastrophic health expenditures, this scheme offers secondary and tertiary hospitalization coverage of up to ₹5 Lakh per family per year on a completely cashless basis.
In this guide, we cover the latest eligibility criteria for 2026, the step-by-step e-KYC registration process, how to find empanelled hospitals, and the procedure to download your Ayushman Card online.
Ayushman Bharat Card Get ₹5 Lakh Free Health Treatment, Eligibility, e-KYC & Online Download Guide
Key Benefits of Ayushman Bharat Yojana (PM-JAY)
➢₹5 Lakh Annual Coverage: Comprehensive health insurance cover up to ₹5,000,000 per family every year.
➢Cashless & Paperless Treatment: No out-of-pocket expenses at both government and empanelled private hospitals.
➢Pre and Post-Hospitalization: Covers up to 3 days of pre-hospitalization and 15 days of post-hospitalization expenses (medications and diagnostics).
➢Pre-Existing Disease Coverage: All pre-existing medical conditions are covered from day one of card activation.
➢Portability Across India: Beneficiaries can access medical treatment at any empanelled hospital across all Indian states.
Ayushman Card Eligibility Criteria (2026 Updates)
➢Eligibility is primarily based on the Socio-Economic Caste Census (SECC 2011) data and state-specific welfare databases (such as MA Card merging in Gujarat):
➢Families living in Kutcha houses or lacking adult male earners.
➢Agricultural laborers, landless households, and informal sector workers.
➢Families holding BPL (Below Poverty Line) or NFSA (National Food Security Act) ration cards.
➢Senior citizens aged 70 and above (as per recent government expansions, regardless of income level).
Documents Required for Ayushman Card Registration
➢Aadhaar Card (linked with an active mobile number for OTP verification)
➢Ration Card (NFSA / BPL Ration Card)
➢Proof of Identity & Address (Voter ID / Driving License)
➢Active Mobile Number for e-KYC
How to Apply & Download Ayushman Card Online (Step-by-Step)
➢Visit the official beneficiary portal: beneficiary.nha.gov.in or download the Ayushman App.
➢Select “Beneficiary” and log in using your registered mobile number and OTP.
➢Select your State, Scheme (PMJAY), District, and Search by (Aadhaar Number / Ration Card / Family ID).
➢Locate your family members’ names on the beneficiary list.
➢Click on “e-KYC” and complete facial authentication or Aadhaar OTP verification.
➢Once approved by the authority, click on the “Download Card” button to save your digital Ayushman PVC Card PDF.
How to Find Empanelled Private & Government Hospitals
To view the list of hospitals providing cashless treatment under PM-JAY:
➢Visit pmjay.gov.in and navigate to “Find Hospital”.
➢Select your State, District, Hospital Type (Private / Public), and Medical Specialty (e.g., Cardiology, Oncology, Orthopedics).
➢Contact the dedicated Ayushman Mitra desk available at the hospital entrance for smooth admission and claim processing.
