Ayushman Bharat PM-JAY is a government health insurance scheme that provides free hospitalization coverage to eligible citizens. The scheme covers secondary and tertiary medical treatment expenses. Under PM-JAY, every eligible family gets up to ₹5 lakh health insurance coverage annually. The scheme is cashless and paperless at empanelled hospitals. The main aim of Ayushman Bharat is to reduce the financial burden of expensive medical treatment on Indian families.
Eligible families can receive free treatment up to ₹5 lakh per year. The amount can be used for surgeries, hospitalization, medicines, and medical procedures.
Beneficiaries can get cashless treatment at empanelled government and private hospitals anywhere in India.
Senior citizens aged 70 years and above are also covered under the expanded Ayushman Bharat scheme in 2026.
There is no limit on the number of family members covered under the scheme.
Pre-existing illnesses are covered from the first day of enrollment.
Eligibility is based mainly on the SECC 2011 database and government-approved categories.
Citizens aged 70 years and above can also receive benefits under the expanded scheme.
Applicants should keep the following documents ready:
| Documents Required | Purpose |
|---|---|
| Aadhaar Card | Identity verification |
| Mobile Number | OTP verification |
| Ration Card | Family details |
| Address Proof | Address verification |
| Passport Size Photo | Identification |
| Income Certificate | Eligibility proof, if required |
You can easily check your Ayushman Card eligibility online.
If your details appear, you are eligible for the Ayushman Bharat scheme.
Go to the official PM-JAY beneficiary portal.
Enter your mobile number and verify it using OTP.
Complete Aadhaar-based eKYC using the OTP sent to your Aadhaar-linked mobile number.
Verify and update your personal and family information carefully.
After checking all details, submit the application online.
Once approved, download the Ayushman Card PDF directly from the portal.
After approval, follow these steps:
You can print the card and use it for treatment at empanelled hospitals.
Ayushman Bharat covers thousands of medical procedures and treatments.
Beneficiaries can search nearby PM-JAY hospitals online.
Both government and private hospitals are available under the scheme.
Many applicants face technical issues during the online application.
For application help, eligibility issues, or hospital complaints, contact:
These helpline numbers are available for PM-JAY beneficiary support.
Several important updates have been introduced in 2026.
The government is also increasing awareness campaigns to help more families benefit from free healthcare services.
ALSO READ: Ayushman Bharat Card Explained: What It Covers, How To Use It, And What You Still Have To Pay For
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