Ayushman Bharat (PM-JAY): Check Eligibility, Create Your Card and Find Hospitals
Short answer
Ayushman Bharat PM-JAY provides eligible families cashless secondary and tertiary hospital care of up to Rs 5 lakh per family per year at empanelled hospitals. Check eligibility at beneficiary.nha.gov.in with your mobile number and Aadhaar, complete eKYC, and download the card. Senior citizens aged 70 and above are covered under the Vay Vandana expansion irrespective of income.
Eligibility
- Families identified through the SECC deprivation and occupational criteria, and state-extended lists.
- Senior citizens aged 70 and above are eligible under the Vay Vandana expansion regardless of income.
- Eligibility is family based; each member does an individual eKYC.
Required documents
- Aadhaar card
- Ration card or family ID for family mapping
- Mobile number for OTP
Step-by-step process
- Open beneficiary.nha.gov.in and log in as Beneficiary with your mobile number and OTP.
- Select your state and scheme, then search by Aadhaar, family ID or ration card number.
- Find your name in the family list and select eKYC.
- Complete Aadhaar OTP or face authentication and upload a live photo.
- Submit and wait for approval; approval is often the same day.
- Download the Ayushman card PDF from the portal or the Ayushman app.
- Before admission, confirm the hospital is empanelled on the PM-JAY hospital finder.
Fees and processing time
| Fees | Free. There is no charge for eligibility check, eKYC or the card itself. |
|---|---|
| Processing time | eKYC approval is often same day and usually within a few days. |
Always verify the latest fee, eligibility and deadline on the official government portal.
Where to apply
beneficiary.nha.gov.in, the Ayushman app, empanelled hospital Ayushman Mitra desk or a CSC.
PM-JAY beneficiary portal ↗ National Health Authority ↗ Hospital finder ↗
Common mistakes to avoid
- Paying a middleman for a free card.
- Going to a hospital that is not empanelled and expecting cashless treatment.
- Not carrying Aadhaar at admission for biometric verification.
Frequently asked questions
What is the cover amount?
Up to Rs 5 lakh per family per year for listed secondary and tertiary treatments at empanelled hospitals.
Does PM-JAY cover OPD?
No. It covers hospitalisation packages, including pre and post hospitalisation as defined in the package.
Is there any premium to pay?
No. Eligible families pay no premium.
Official sources
Disclaimer: UPDigital.in is an independent information platform and is not a government website. We do not collect application fees and never ask for your Aadhaar number, OTP, UPI PIN or bank password.