Complete Guide To The Ayushman Bharat Card (Pradhan Mantri Jan Arogya Yojana - PM-JAY)

The Ayushman Bharat Card Is Issued Under The Pradhan Mantri Jan Arogya Yojana (PM-JAY), India’s Largest Health Insurance Scheme Launched By The Government Of India. It Provides Health Coverage Up To ₹5 Lakhs Per Family Per Year For Secondary And Tertiary Hospitalization For Economically Vulnerable Families.

☀️ Purpose Of Ayushman Bharat Card:

1. Provide Cashless Health Coverage To Low-income Families.
2. Reduce Out-of-pocket Medical Expenses.
3. Ensure Quality Healthcare Access At Empaneled Hospitals.
4. Promote Health Security Across The Nation.

✅ Who Is Eligible?

• Rural Households: Based On SECC (Socio-Economic Caste Census) 2011 Data.
• Urban Households: Economically Weaker Groups Identified By Government Criteria.
• Any Family Identified By State/UT Government As Eligible.

The Scheme Primarily Targets:

1. Below Poverty Line (BPL) Families
2. Landless Agricultural Laborers
3. Informal Sector Workers
4. Small Traders, Etc.

‼️ Note: The Card Is Issued Only After Verification Of Eligibility.

✅ Key Benefits

Feature Details

1. Coverage ₹5 Lakh Per Family Per Year
2. Beneficiaries 10.74 Crore Families (approximately 50 Crore Individuals)
3. Hospitalization Secondary & Tertiary Care Coverage
4. Cashless Treatment At Empaneled Hospitals (both Public & Private)
5. Pre-existing Conditions Covered From Day One
6. No Cap On Family Size All Members Covered

✅ How To Apply For Ayushman Bharat Card?

➤ Step 1: 

1. Check Eligibility
2. Visit The Official Portal:  https://pmjay.gov.in/
3. Click On “Am I Eligible”
4. Enter Details: State, Family ID, Mobile Number, Etc.

➤ Step 2: 

1. Visit Nearby Common Service Center (CSC) / Ayushman Mitra
2. You Can Get The Card By Approaching An Authorized Ayushman Mitra At Empaneled Hospitals Or Nearest CSC.

➤ Step 3:

1. Upload Documents
2. Government-issued ID (Aadhaar Card, Voter ID, Etc.)
3. Family ID Or Ration Card
4. Address Proof

➤ Step 4: 

1. Receive Ayushman Bharat Card
2. Once Eligibility Is Confirmed, The Ayushman Bharat Card Is Issued.
3. This Card Allows Cashless Treatment At Empaneled Hospitals.

✅ How To Use Ayushman Bharat Card?

1. Visit Any Empaneled Hospital (Private/Public) Under The PM-JAY Scheme.
2. Approach The Ayushman Mitra Present In The Hospital.
3. Present The Ayushman Bharat Card Or Share Your Registered Mobile Number Or Family ID.
4. The Hospital Verifies Eligibility Online.
5. Get Cashless Treatment As Per The Package Rates Approved By The Government.

‼️ No Upfront Payment Is Needed By The Patient For Covered Procedures.

✅ List Of Empaneled Hospitals

Visit Official Portal:   https://pmjay.gov.in/

Click On “Hospital Search”

Select State → District → Type Of Hospital (Public/Private) → Search

✅ Important Points To Remember:

1. Coverage Is For Secondary & Tertiary Hospitalization Only.
2. Only Treatments In The Approved Package List Are Covered.
3. Annual Coverage Limit Resets Every Year (₹5 Lakh Per Family).
4. Pre-existing Diseases Are Covered From Day One.
5. Portability Of The Scheme: You Can Use The Card In Any State Across India.

✅ How To Check Status Of Your Ayushman Bharat Card?

1. Visit  https://pmjay.gov.in/
2. Click On “Am I Eligible”
3. Enter Family ID Or Mobile Number To Check Status.

✅ Contact Helpline:

 Toll-Free Number: 14555

✅ Conclusion:

The Ayushman Bharat Card Is A Powerful Tool To Safeguard Families From The Financial Burden Of Medical Treatment. Make Sure To Verify Eligibility And Always Carry The Card When Visiting Hospitals. Empower Yourself And Your Family By Availing Of The Benefits.