Ayushman Bharat Card 2025: How to Apply Online and Get ₹5 Lakh Health Insurance
The Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) is a central government health insurance scheme that offers free medical coverage of up to ₹5 lakh per family per year. This benefit is not a loan but a fully free insurance cover for hospitalization expenses in empanelled hospitals across India. It is primarily targeted toward economically weaker sections and underprivileged families.
This guide explains the key benefits, eligibility, documents required, and how to apply online.
Key Features of Ayushman Bharat PM-JAY
- Free health insurance cover up to ₹5 lakh per family per year
- Coverage includes hospitalization expenses, surgeries, and critical illnesses
- Cashless treatment available at government and private empanelled hospitals
- No limit on family size, age, or gender
- Covers over 1,500 medical procedures including pre- and post-hospitalization
- Nationwide portability – the card can be used in any state across India
Who is Eligible for Ayushman Bharat?
Eligibility is based on Socio-Economic Caste Census (SECC) 2011 data. The criteria vary for rural and urban populations.
Rural Eligibility Includes:
- Families living in kutcha houses with no adult members
- SC/ST households
- Landless households earning livelihood through manual labor
- Households with disabled members and no able-bodied adult
Urban Eligibility Includes Workers In:
- Domestic work
- Construction and manual labor
- Street vending and rag picking
- Drivers, plumbers, electricians, sanitation workers
- Security and delivery staff
You can check your eligibility using your mobile number or ration card on the official PM-JAY website.
How to Apply for Ayushman Bharat Card Online
Follow the steps below to apply for the Ayushman Bharat Card and access free healthcare benefits:
Step 1: Visit the Official PM-JAY Portal
Go to https://bis.pmjay.gov.in
Step 2: Check Eligibility
Click on the “Am I Eligible” option. Enter your mobile number and the OTP you receive to check if you or your family is listed under the scheme.
Step 3: Apply through a Common Service Centre (CSC) or Ayushman Mitra
If eligible, you can visit your nearest CSC or government hospital where an Ayushman Mitra is available to assist you with the application.
Step 4: Submit Required Documents
You will need:
- Aadhaar card
- Ration card
- Mobile number
- Passport-size photograph
- Income or caste certificate if asked by authorities
Step 5: Biometric Verification and Card Generation
Once your details are verified, your Ayushman Bharat card will be issued and can be downloaded digitally or printed by the CSC.
List of Treatments Covered
The scheme covers more than 1,500 medical procedures including:
- Heart surgeries (bypass, valve replacement)
- Cancer treatment (chemotherapy, surgery)
- Kidney and liver transplant assistance
- Dialysis
- Fracture and trauma care
- Maternity care
- Eye and ENT surgeries
- Neonatal and pediatric care
All treatments are provided cashless in empanelled hospitals.
Where Can You Use the Ayushman Card?
You can use the Ayushman Bharat Card in both government and private hospitals that are registered under PM-JAY. A list of hospitals is available at:
https://hospitals.pmjay.gov.in
Search by your district or state to find the nearest empanelled facilities.
Documents Required
To apply for or verify your Ayushman Bharat Card, keep the following ready:
- Aadhaar Card
- Ration Card
- Income Certificate (if applicable)
- Caste Certificate (if SC/ST)
- Mobile number
- Passport-size photo
Important Notes
- The Ayushman Bharat scheme does not require you to pay anything. It is completely free for eligible families.
- Never pay money to agents or individuals claiming to register you. All services are free at CSCs and government hospitals.
- The card is valid lifelong as long as your family continues to meet eligibility under PM-JAY.
- No renewal is needed unless your details change or a correction is required.
Contact Details
- PM-JAY Toll-Free Helpline: 14555 or 1800-111-565
- Official Website: https://pmjay.gov.in
- Email Support: helpdesk@pmjay.gov.in
The Ayushman Bharat Card provides essential health security to millions of families in India, ensuring access to quality healthcare without financial burden. If your family is eligible, apply as early as possible and protect your family against unexpected medical costs.
If you need help checking your eligibility or want help with the application process, feel free to ask. You can also get this guide customized for your state or district.