Ayushman Card: Benefits, Eligibility & Application Process

This guide explores the benefits, eligibility, and application process of the Ayushman Card, Offering clear and practical insights for individuals looking for affordable healthcare solutions.

What is an Ayushman Card?

The Ayushman Card is a digital health card issued under the PMJAY scheme. It acts as an identification tool for beneficiaries to avail of free medical treatments. With coverage of up to ₹5 lakhs per family per year, the card helps mitigate the financial burden of secondary and tertiary hospitalization expenses.

Key Features of the Ayushman Card:

Enables cashless hospitalization at over 25,000 empanelled hospitals across India.
Covers 1,949 treatment procedures, including surgeries, oncology, and critical care.
Beneficiaries are not required to pay any premium for the coverage.

Benefits of the Ayushman Card

Cashless Treatment: Beneficiaries can avail of treatment without worrying about upfront payment.
Pan-India Coverage: Offers accessibility in both public and private hospitals nationwide.
Comprehensive Coverage: Includes pre- and post-hospitalization costs, medications, diagnostics, and follow-up care.
Support for Critical Illnesses: Covers procedures like cardiac surgeries, knee replacements, and cancer treatments.

Pro Tip: Always check the list of empanelled hospitals on the official PMJAY website to ensure coverage in your area.

Who is Eligible for the Ayushman Card?

The Ayushman Bharat Yojana targets economically weaker sections of society. Eligibility is determined based on the Socio-Economic Caste Census (SECC) 2011.

Eligibility Criteria for Rural Households:
- Families living in one-room kuccha houses.
- Households with no adult earning members aged 16–59 years.
- SC/ST families and landless households dependent on manual labor.
Eligibility Criteria for Urban Households:
- Occupations such as domestic work, sanitation, and transportation.
- Daily wage earners like street vendors, construction laborers, and cobblers.

Note: Government employees, individuals owning motorized vehicles, and those with an income above ₹10,000 per month are excluded.

How to Apply for the Ayushman Card?

Applying for the Ayushman Card is straightforward and can be done both online and offline.

Online Process:
1. Visit the official PMJAY website: pmjay.gov.in.
2. Click on the "Am I Eligible" tab and log in with your mobile number and OTP.
3. Check for your name in the PMJAY beneficiary list.
4. If eligible, proceed to download your Ayushman Card.
Offline Process:
- Visit the nearest Common Service Centre (CSC) or an empanelled hospital.
- Provide your Aadhaar card, ration card, or SECC details for verification.

Documents Required:

Identity proof (Aadhaar, PAN card)
Address proof
SECC eligibility proof

How to Use the Ayushman Card?

The Ayushman Card simplifies the process of accessing healthcare services:

Visit any empanelled hospital with your Ayushman Card.
Present the card at the Ayushman Mitra helpdesk.
The hospital verifies your eligibility and provides the necessary treatment free of cost.

Conclusion:

The Ayushman Card stands as a beacon of hope for millions of Indians seeking accessible and affordable healthcare. By bridging the gap between medical needs and financial constraints, the card empowers the vulnerable to lead healthier lives. Leverage this guide to understand its benefits and how to make the most of this groundbreaking initiative.

Check Out Other Government Health Insurance Plans

Other Govt Scheme Related Pages
Ayushman Card Eligibility	PMJAY Beneficiary Identification System	Check PMJAY Eligibility Online
Types of Government Health Insurance Schemes	Ayushman Bharat Digital Mission	Dr YSR Aarogyasri
Ayushman Bharat Yojana (Hindi)	Yeshasvini	Swasthya Sathi
Mahatma Jyotirao Phule Jan Arogya	Universal Health Insurance	Mukhyamantri Amrutum
Chiranjeevi Yojana	Ayushman Bharat Rajasthan Swasthya Bima Yojana	Pravasi Bharatiya Bima Yojana
Chiranjeevi Yojana (Hindi)	Download Ayushman Bharat Card	Check Ayushman Bharat Card Status
Apply Ayushman Bharat Card	Beneficiary Login on NHA Portal	Register Online for PMJAY
How to Register for the ABHA Health ID Card?	How to Download the ABHA Health ID Card?	ABHA Card Eligibility Criteria
Differences Between ABHA Card and Ayushman Card	9 Key Benefits of the ABHA Health ID Card	Apply PMJAY Card

Common Queries About the Ayushman Card

Q1. Can I apply for the Ayushman Card if my name isn’t in the SECC database?

Ans. Unfortunately, eligibility is primarily based on the SECC data. However, you can contact your local government authority to verify your status or appeal for inclusion.
Q2. Is the Ayushman Card valid for private hospitals?

Ans. Yes, the card is valid at all empanelled private and public hospitals under the PMJAY scheme.
Q3. What treatments are not covered by the Ayushman Card?

Ans. The scheme does not cover outpatient treatments, fertility treatments, or cosmetic surgeries.

Health insurance companies

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in