Ayushman Card: Easy Guide to Checking Your Eligibility Online

To ensure that healthcare services are provided to everyone equally, irrespective of their socio-economic status, the Government of India launched Ayushman Bharat scheme. Under the Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (PMJAY) that was launched in September 2018, the Ayushman card is issued to provide free healthcare to eligible families. It offers coverage upto 5 lakh per year for medical treatments in empanelled hospitals across India. 

Through this blog, we’ll understand more about the Ayushman Card, its eligibility and associated benefits covered under the Ayushman Bharat-PMJAY scheme, providing everyone the opportunity to avail benefits of cashless medical treatment and lead a healthy and happy life. 

What is an Ayushman Card?

The Ayushman Bharat Pradhan Mantri Jan Arogya Yojna (AB-PMJAY) scheme aims to offer health insurance coverage of ₹5 lakhs per family annually for secondary and tertiary care hospitalization to over 12 crore poor and vulnerable families. This includes around 55 crore Indian citizens, representing the bottom 40% of the population, providing them with financial assistance for hospital expenses during medical emergencies.

Issued under the Ayushman Bharat (AB-PMJAY) scheme, Ayushman Card allows eligible families to receive free healthcare services at designated hospitals across India. It provides coverage of up to ₹5 lakh per year, helping families avoid large medical expenses for advanced treatments.

Ayushman Bharat Health Card Eligibility

• Migrant workers, who often lack stable access to healthcare, are now eligible. They can apply for the Ayushman Card in their current location.
• Landless labourers, rural artisans, and other low-income groups are included in the scheme.
• Informal sector workers in urban areas, including domestic help, daily wage earners, and street vendors, are eligible. These workers, who typically lack employer-provided insurance, can access free healthcare services.
• Elderly and disabled individuals 
• Households are led by widows or single women, orphaned children, and abandoned or disabled individuals.

How to Apply for Ayushman Card?

Eligible individuals can apply for the Ayushman Card by these simple methods:

• Visit the official Ayushman Bharat website and check your eligibility by entering essential information.
• You can apply at empanelled hospitals or nearby Common Service Centers (CSCs) too.
• Make sure to have your ID ready, such as an Aadhaar card or ration card, to complete the application.

Check Eligibility for Ayushman Bharat Card Online through PMJAY Official Website 

To check your Ayushman Bharat card eligibility, follow the given steps:

• Step 1: Visit PMJAY official website: https://pmjay.gov.in/  and click on ‘Am I Eligible?’ on the top right-hand corner of the homepage.
• Step 2: Enter your details such as mobile number and authentication mode. Carefully enter the CAPTCHA code mentioned. 

• Step 3: Choose your state and search using your name, mobile number, Household ID (HHD) number, or ration card number.
• Step 4: You can then check if you are eligible for the government healthcare scheme.

Check Eligibility Online Through Paytm App 

You can also check your Ayushman Bharat card eligibility using the Paytm App:

Paytm, known for being the pioneer of digital payments and financial services, has integrated the Pradhan Mantri Jan Arogya Yojana (PMJAY) into its app. This allows users to check their eligibility and access health benefits, supporting the government’s goal of improving digital healthcare.

Paytm has made it easier for people to access various healthcare services. You can create a health ID, book teleconsultations, buy items from pharmacies, schedule lab tests, purchase health insurance, apply for medical loans, and more, all through Paytm.

Through the Paytm app, users can find a list of both private and government hospitals that participate in PMJAY. They can easily locate nearby hospitals covered by the scheme and use their phone to show their PMJAY health cover details to hospital staff.

Follow the given steps to check PMJAY eligibility on the Paytm app:

• Step 1: Login to the Paytm App. Click on the search bar and type PMJAY.
• Step 2: After clicking on the PMJAY icon, you can check your eligibility, find nearby hospitals and even call the helpline number directly from the Paytm app. 
• Step 3: Click on ‘check your eligibility’ and select your state from the drop down menu. 
• Step 4: Enter your details, including Name, Ration Card number, Household ID (HHD) number, mobile number, and other details. 

Once you have checked and confirmed that you are eligible, you can obtain an Ayushman e-card by visiting the official website, pmjay.gov.in. To complete the process, visit a nearby PMJAY kiosk, where your Aadhaar card or ration card will be verified. Once your details are confirmed, the e-card will be issued to you. This e-card serves as proof of enrollment and allows you to access free healthcare services at empanelled hospitals across India. 

How to Create Ayushman Card through Ayushman App?

• Step 1: Download the ‘Ayushman’ app from the Google Play Store or visit https://beneficiary.nha.gov.in/.
• Step 2: Enter your mobile number and input the OTP sent to your phone to create your user login.
• Step 3: Check your eligibility by entering your name, ration card number, or Aadhaar number.
• Step 4: If you are eligible, verify your details and those of your family members using Aadhaar e-KYC (such as Face Auth or Mobile OTP).
• Step 5: After filling in all required information, take a photo using your mobile and upload it. Once your details are verified, you can download your Ayushman card.

How to Download Ayushman Card?

Step 1: Log In to the Beneficiary Portal

Login into the Ayushman app or visit the official National Health Authority website at https://beneficiary.nha.gov.in.

Step 2: Search for Your Information:

Use details like your state, scheme name, PMJAY ID, Family ID, location, or the most convenient option—your Aadhaar number.

Step 3: Enter Your Aadhaar Number

Enter your Aadhaar number and click the search button to proceed.

Step 4: View the Ayushman Card List

You’ll see a list of cards linked to your Aadhaar number and their current status.

Step 5: Download Your Card

If your KYC is complete and the card is approved, a download button will appear next to your name. Click it to start the process.

Step 6: Authenticate for Download

Choose Aadhaar as your authentication method and verify yourself using the OTP sent to your registered mobile number.

Step 7: Download the Card

After verification, you’ll have access to the download page. Click ‘Download’ to save your Ayushman Bharat Card in PDF format. 

Benefits Covered Under PMJAY Ayushman Card

Under Ayushman Bharat, PM-JAY offers cashless health coverage of up to ₹5,00,000 per eligible family each year for specific secondary and tertiary care treatments. The coverage includes all costs related to:

• Medical exams, treatments, and consultations
• Pre-hospitalization care
• Medicines and medical supplies
• Both regular and intensive care services
• Diagnostic tests and lab investigations
• Medical implants (if needed)
• Hospital stay and food services
• Complications during treatment
• Follow-up care for up to 15 days after discharge

The ₹5,00,000 benefit is available to all family members on a “family floater” basis, meaning one or multiple members can use it as needed. Unlike earlier schemes like RSBY, which limited benefits to five family members, PM-JAY has no cap on family size or the age of members. Additionally, pre-existing conditions are covered from day one, so any eligible person with prior health issues can get treatment right away after enrollment.