The Prime Minister of India, Mr Narendra Modi, has previously launched a health insurance initiative named Ayushman Bharat Yojana under which the Government will provide Ayushman Bharat Health Insurance Card Apply so that all the eligible citizens can get cashless treatments and health insurance coverage of INR 5 Lakh per family annually. Beneficiaries don’t have to pay the treatment expenses as the Government will cover all the costs. All those citizens who want to apply for this health insurance card can simply visit the Official Website and fill out the application form online.
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What is Ayushman Bharat Health Insurance Card?
The Honourable Prime Minister of India, Shri Narendra Modi, has launched this remarkable health insurance initiative known as Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) under which the Ayushman Bharat Health Insurance Card has been issued. This health insurance card provides free health treatment of up to INR 5 lakhs from any government-aided or listed hospitals under this scheme. As per the reports stated by the Officials, about 42 Crores Ayushman Bharat Cards have been issued to the beneficiaries of the Ayushman Bharat PM-JAY Scheme till now, and till now, more than 9.84 crores hospital admissions have been approved.
Objective of Ayushman Bharat Health Insurance Card
The main objective behind this Ayushman Bharat Health Insurance Card is to empower all the economically wekaer households by providing them health insurance for the treatment of their health issues. According to this initiative, all the Ayushman Card holders will get a cashless treatment of up to INR 5 Lakh in various Government-aided hospitals listed under this scheme. With the help of this card, citizens don’t have to worry about the treatment expenses for themselves and their family members, as the Government will cover all the treatment expenses.
Ayushman Bharat Health Insurance Card Apply Online
- Applicants have to visit the Official PMJAY Portal.
- Now you have to select your State, District and Scheme as PM-JAY.
- Then a new page will open, here you have to select the search option, such as Aadhar, Application.
- Now your family details and card status will appear.
- If the card status shows that Not Generated, then you have to click on Do eKYC option.
- Now you have to authenticate your identity using your Aadhar Card number and enter the OTP received on your registered mobile number.
- Provide any additional details required for family details.
- Once the eKYC is completed and approved within 10 to 15 days and you can log in and download your Ayushman Bharat Health Card.
Short Highlights of Ayushman Bharat Health Insurance Card
| Scheme | Pradhan Mantri Jan Arogya Yojana (PM-JAY) |
| Coverage | ₹5 Lakh/family/year (cashless) |
| Network | Over 33,000 empanelled hospitals (public & private) |
| Eligibility Basis | SECC 2011 data; All citizens aged 70+ |
| Coverage Scope | 1,900+ medical procedures; pre-existing conditions covered |
| National Access | Benefits are portable nationwide |
| Cards Issued | Over 42 crore issued (as of Oct 2025) |
| Total Claims | Over 9.84 crore hospital admissions |
Eligibility Criteria
- Applicants must be permanent residents of India.
- Applicants must belong to poor/vulnerable Households.
- All senior citizens aged 70 or older are eligible, regardless of income.
Documents Required
- Aadhar Card
- Proof of Family Status
- Ration Card
- PM/CM Letter
- Mobile Number
Ayushman Bharat Card Coverage Scope
| Care Type | Secondary & Tertiary Care |
| Procedures | 1,900 across 24 specialties |
| Pre-Hospitalization | Up to 3 days covered |
| Post-Hospitalization | Up to 15 days covered |
| Coverage Includes | Diagnostics, medicines, surgery, accommodation |
| Pre-existing Diseases | Covered from day one |
| Family Type | Family-floater basis |
| Portability | Pan-India access |
Benefits of Ayushman Bharat Card
- Beneficiaries can get cashless treatment in any Government Hospital Listed under the Ayushman Bharat PM JAY Scheme.
- With the help of this Ayushman Bharat Card, the beneficiaries will get a health insurance of up to INR 5 Lakhs for the treatment of themselves and their family members.
- This card covers more than 1900 medical procedures, including surgeries, diagnostics, medicines, doctor fees, accommodation, and both pre- and post-hospitalisation expenses.
- Under this scheme All pre-existing health conditions are covered from the very first day of enrollment in the scheme.
FAQ’s
What is the Ayushman Bharat Card?
It’s a health ID for cashless health coverage of up to ₹5 lakh per family, per year under the PM-JAY scheme.
Who is eligible?
Eligibility is based on SECC 2011 data for vulnerable families, plus all citizens aged 70 and above, regardless of income.
How do I check my eligibility?
Use the “Am I Eligible?” tool on the PMJAY Beneficiary Portal or call the helpline at 14555.
Are pre-existing diseases covered?
Yes, they are covered from day one.
Do I pay at the hospital?
No, treatment at empanelled hospitals is fully cashless.
What documents are needed?
Primarily an Aadhaar Card and a Ration Card or other family ID proof are required.
Can I use it at private hospitals?
Yes, it is accepted at both empanelled public and private hospitals nationwide.
Does the card need renewal?
No, the card is valid for a lifetime once issued.
Khushi Singh
Khushi Singh is a content writer with 3 years of experience in government schemes. She writes simple and helpful articles that guide people to understand and benefit from public welfare programs.