Ayushman Bharat Pradhan Mantri Jan Arogya Yojana, commonly known as PM-JAY, is the world’s largest government-funded health insurance scheme launched by the Government of India on 23rd September 2018 by Prime Minister Narendra Modi. This flagship health scheme aims to provide comprehensive health coverage to over 55 crore eligible beneficiaries from more than 12 crore poor and vulnerable families across India.
Under this scheme, each eligible family receives health coverage of up to ₹5 lakh per year for secondary and tertiary care hospitalisation on a completely cashless and paperless basis. The scheme covers 1,900+ treatment procedures across 24 specialities including oncology, cardiology, neurosurgery, orthopaedics, and more.
As of May 2026, over 43.52 crore Ayushman Cards have been issued, and the scheme is now operational across all 36 States and Union Territories of India, including West Bengal which joined in May 2026. Additionally, since September 2024, all senior citizens above 70 years of age are eligible for this coverage irrespective of their socio-economic status.
In this article, you will learn everything about Ayushman Bharat PM-JAY Yojana 2026 including eligibility criteria, how to apply online, required documents, status check process, golden card download, hospital list, and answers to frequently asked questions. Whether you want to check your eligibility, download your Ayushman Card, or find an empanelled hospital, this guide will help you understand the complete process.
PM Awas Yojana 2026: Eligibility, Apply Online, Status Check, Subsidy, Documents & Important Dates
Overview of Ayushman Bharat PM-JAY Yojana 2026
Ayushman Bharat PM-JAY is a revolutionary health scheme that aims to protect poor and vulnerable families from catastrophic health expenses. The scheme is fully funded by the Government of India and provides cashless treatment at over 30,000 empanelled hospitals across the country, including both public and private healthcare institutions. The scheme is based on the deprivation and occupational criteria of the Socio-Economic and Caste Census (SECC) 2011 data for rural and urban households.
| Scheme Name | Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) |
|---|---|
| Launched By | Prime Minister Narendra Modi |
| Launch Date | 23rd September 2018 |
| Scheme Type | Central Sector Health Insurance Scheme |
| Health Coverage | Up to ₹5 Lakh Per Family Per Year |
| Total Beneficiaries | 55 Crore+ (12 Crore+ Families) |
| Ayushman Cards Issued | 43.52 Crore+ |
| Empanelled Hospitals | 30,000+ |
| Treatment Packages | 1,900+ |
| Specialities Covered | 24 (Including Oncology, Cardiology, Neurosurgery) |
| States and UTs Covered | 36 (All States and UTs) |
| Pre-existing Diseases | Covered From Day One |
| Cashless Treatment | Yes, at Empanelled Hospitals |
| Senior Citizens Coverage | All Above 70 Years (Since September 2024) |
| Official Website | pmjay.gov.in |
Eligibility Criteria of Ayushman Bharat PM-JAY Yojana 2026
To avail benefits under Ayushman Bharat PM-JAY Yojana 2026, applicants must meet the following eligibility conditions. The eligibility is primarily based on SECC 2011 data, but recent expansions have broadened the coverage:
Rural Households Eligibility:
- Families living in kucha houses with only one room and no proper walls or roof
- Households with no adult male member aged between 16 to 59 years
- Families with at least one disabled member and no able-bodied adult member
- SC/ST households as per SECC 2011 data
- Landless families dependent on manual casual labour for livelihood
- Primitive tribal communities
- Legally released bonded labourers
- Manual scavenger families
- Families with no individuals aged between 16 and 59 years
Urban Households Eligibility:
- Domestic workers
- Street vendors, hawkers, cobblers and other service providers working on streets
- Construction workers, masons, plumbers, welders, painters, coolies, security guards
- Sanitation workers, sweepers, gardeners, malis
- Home-based workers, handicraft workers, artisans, tailors
- Transport workers including drivers, conductors, helpers, cart pullers, rickshaw pullers
- Assistants, shop workers, peons, delivery boys, waiters, attendants in small establishments
- Electricians, assemblers, mechanics, repair workers
- Washermen, chowkidars, rag pickers, beggars
Senior Citizens Eligibility (New):
- All senior citizens above 70 years of age, irrespective of their socio-economic status
- Senior citizens already covered under AB PM-JAY receive an additional top-up cover of ₹5 lakh exclusively for themselves
- Senior citizens enrolled in CGHS, ECHS, or Ayushman CAPF must choose between their existing coverage and AB PM-JAY
- Senior citizens with private health insurance can benefit from the scheme alongside their existing coverage
Who is NOT Eligible:
- Those who own a two, three or four-wheeler or a motorised fishing boat
- Those who own mechanised farming equipment
- Those who have Kisan Credit Cards with a credit limit of ₹50,000
- Government employees and those working in government-managed non-agricultural enterprises
- Those earning a monthly income above ₹10,000
- Those owning refrigerators and landline phones
- Those with decent, solidly built houses
- Those owning 5 acres or more of agricultural land
Benefits of Ayushman Bharat PM-JAY Yojana 2026
The Ayushman Bharat PM-JAY Yojana 2026 offers comprehensive health benefits to eligible families across India. Here are the detailed benefits explained under different sub-headings:
Cashless Health Coverage
- ₹5 Lakh Per Family Per Year: Each eligible family gets health coverage of up to ₹5 lakh annually for secondary and tertiary care hospitalisation.
- No Premium Payment: The scheme is fully funded by the government; beneficiaries do not pay any premium.
- No Cap on Family Size: Unlike private insurance, there is no limit on the number of family members who can avail benefits under PM-JAY.
Comprehensive Treatment Coverage
- 1,900+ Procedures: The scheme covers nearly 1,929 medical procedures across various specialities.
- 24 Specialities Covered: Including oncology, cardiology, neurosurgery, orthopaedics, urology, gastroenterology, and more.
- Pre-existing Diseases: All pre-existing diseases are covered from day one without any waiting period.
- Day-care Packages: Day-care treatments and procedures are also covered under the scheme.
All-Inclusive Package Rates
Each treatment package includes the following costs:
- Registration charges and general ward bed charges
- Nursing and boarding charges
- Surgeons, anaesthetists, and consultants’ fees
- Anaesthesia, OT charges, blood transfusion, oxygen costs
- Medicines and drugs
- Cost of implants or prosthetic devices
- Pathology and radiology tests including MRI, X-ray, CT scan
- Pre and post-hospitalisation expenses for up to 15 days
- Any other expenses related to the treatment
Cashless and Paperless Treatment
- QR Code Verification: Beneficiaries simply present their Ayushman Card with QR code at empanelled hospitals.
- No Upfront Payment: Treatment is completely cashless; beneficiaries do not need to pay anything at the hospital.
- Pan-India Validity: The Ayushman Card is valid at all empanelled hospitals across all states and UTs of India.
Senior Citizens Special Benefits
- Separate Health Card: All eligible senior citizens above 70 years receive a distinct Ayushman Vay Vandana Card.
- Additional ₹5 Lakh Cover: Senior citizens already under PM-JAY get an extra ₹5 lakh top-up coverage exclusively for themselves.
- No Sharing Required: This additional coverage does not need to be shared with other family members below 70 years.
Application Procedure of Ayushman Bharat PM-JAY Yojana 2026
The application process for Ayushman Bharat PM-JAY Yojana 2026 can be done both online and offline. Since eligibility is primarily based on SECC 2011 data, most eligible families are already pre-identified and only need to complete e-KYC to get their Ayushman Card.
Online Application Process
Follow these step-by-step instructions to apply online for Ayushman Bharat PM-JAY Yojana 2026:
- Visit Official Website: Go to the official PM-JAY portal at pmjay.gov.in.
- Click on Am I Eligible: On the homepage, click on the “Am I Eligible” tab to check your eligibility.
- Enter Mobile Number: Enter your registered mobile number and the captcha code displayed on the screen.
- Generate OTP: Click on “Generate OTP” to receive an OTP on your mobile number.
- Verify OTP: Enter the OTP received and click on “Verify OTP” to log in.
- Select State and District: Choose your state, sub-scheme (PMJAY), district, and search method (Aadhaar, PMJAY ID, Family ID, or Name).
- Enter Details: Provide your name, age, family details, and income information as required.
- Check Eligibility: Click on “Submit” to check if your name appears in the beneficiary list.
- Complete e-KYC: If eligible, click on “Do e-KYC” button and select “Aadhaar OTP” for authentication.
- Verify and Download: After successful e-KYC verification, click on “Download Card” to get your Ayushman Card.
Through Ayushman App
- Download App: Install the Ayushman App from Google Play Store or Apple App Store.
- Login: Open the app and log in using your mobile number and OTP.
- Search Beneficiary: Search using Aadhaar number, Family ID, PMJAY ID, or location details.
- Complete e-KYC: Choose from Aadhaar OTP, Face Auth, Fingerprint, or Iris Scan for verification.
- Live Photo: Take a live photo using your phone’s camera that matches Aadhaar records.
- Download Card: Review details and submit. Download your Ayushman Card directly from the app.
Offline Application Process
For those who cannot apply online:
- Visit Nearest CSC: Go to your nearest Common Service Centre (CSC).
- Meet Ayushman Mitra: Contact the Ayushman Mitra at the centre or visit an empanelled hospital.
- Provide Documents: Hand over your Aadhaar card, ration card, and other required documents.
- Biometric Verification: Complete biometric verification at the PMJAY kiosk.
- Card Generation: The operator will verify your details and generate your Ayushman Card.
- Collect Card: Collect your printed Ayushman Card with unique AB-PMJAY ID.
Important Dates of Ayushman Bharat PM-JAY Yojana 2026
The Ayushman Bharat PM-JAY Yojana 2026 has several important dates and milestones that beneficiaries should keep in mind:
| Event | Date/Details |
|---|---|
| Scheme Launch Date | 23rd September 2018 |
| Odisha Implementation | January 2025 |
| Delhi Implementation | April 2025 |
| West Bengal Implementation | May 2026 |
| Senior Citizens Expansion | September 2024 |
| Ayushman Vay Vandana Card | Available Since September 2024 |
| e-KYC Deadline | Ongoing and Mandatory |
| Card Validity | Valid Till Scheme Continues |
| Pan-India Coverage | All 36 States and UTs (As of May 2026) |
| Registration Open | Throughout the Year |
The scheme is now operational across all states and union territories of India. Beneficiaries are advised to complete their e-KYC as early as possible to start availing cashless treatment benefits without any delay.
Documents Required to Apply for Ayushman Bharat PM-JAY Yojana 2026
To successfully register and get your Ayushman Card under PM-JAY Yojana 2026, you need to keep the following documents ready. Since the scheme is based on SECC 2011 data, the documentation requirement is minimal:
- Aadhaar Card: Primary identity proof for biometric and identity verification. Mandatory for e-KYC.
- Ration Card: For family identification and verification of family members.
- SECC Family ID: Socio-Economic Caste Census reference number for rural families (if available).
- PMJAY Eligibility Letter: If received from the government, carry the eligibility letter.
- RSBY Card: If your family was enrolled under the Rashtriya Swasthya Bima Yojana (RSBY).
- Income Certificate: Proof of family income for verification purposes.
- Caste Certificate: For SC/ST households as per eligibility criteria.
- Residential Proof: Address verification documents such as electricity bill or voter ID.
- Contact Details: Active mobile number linked with Aadhaar for OTP verification.
- Passport Size Photograph: Recent photograph for the Ayushman Card.
- Age Proof: For senior citizens applying under the Ayushman Vay Vandana scheme.
Note: Since PM-JAY is based on SECC 2011 data, most eligible families are already pre-identified in the government database. You primarily need an Aadhaar card or ration card for identity and eligibility verification at the PMJAY kiosk.
Status Check of Ayushman Bharat PM-JAY Yojana 2026
After applying for Ayushman Bharat PM-JAY Yojana 2026, beneficiaries can easily check their eligibility and card status online. The status check process is simple and can be done from the comfort of your home. Follow these steps:
- Visit Official Portal: Open the official PM-JAY website pmjay.gov.in in your browser.
- Click on Am I Eligible: Find and click on the “Am I Eligible” tab on the homepage.
- Enter Mobile Number: Enter your registered mobile number and the captcha code.
- Generate OTP: Click on “Generate OTP” to receive an OTP on your mobile.
- Verify OTP: Enter the OTP and click “Verify OTP” to log in.
- Enter Details: Provide your name, state, age, family members, and income details.
- Click Submit: Click on the “Submit” button to check your eligibility status.
- View Status: The portal will show whether you are included in the PM-JAY beneficiary list.
Different Status Messages:
- Eligible: You are listed in the SECC 2011 database and can proceed with e-KYC.
- e-KYC Pending: Complete e-KYC to generate your Ayushman Card.
- Card Generated: Your Ayushman Card is ready for download.
- Not Eligible: Your name is not found in the beneficiary list based on SECC 2011 criteria.
- Under Verification: Your application is under review by authorities.
You can also check the Hospital List by selecting your state, district, and speciality to find the nearest empanelled hospital for cashless treatment.
Application Fee and Scheme Fee of Ayushman Bharat PM-JAY Yojana 2026
One of the most important features of Ayushman Bharat PM-JAY Yojana 2026 is that it is completely free for all eligible beneficiaries. The government has clearly stated that there shall be no fees or charges for enrollment or treatment under this scheme.
- Zero Registration Fee: Beneficiaries do not need to pay any money for registering on the PM-JAY portal or getting their Ayushman Card.
- Zero Premium: Unlike private health insurance, there is no annual premium to be paid by the beneficiary.
- Free CSC Services: The cost of card generation through Common Service Centres (CSCs) is borne by the Government of India.
- Free e-KYC: The e-KYC process is completely free whether done online or at CSC centres.
- Zero Treatment Cost: All covered treatments at empanelled hospitals are 100% cashless; beneficiaries pay nothing.
- No Hidden Charges: There are no deductibles, co-payments, or hidden charges for covered treatments.
Important Warning: Beware of fraudsters who may ask for money in the name of registration, card generation, or fast-track processing. The government does not charge any fee for this scheme. Always apply through the official website pmjay.gov.in or authorized CSC centres and empanelled hospitals only.
Latest Updates of Ayushman Bharat PM-JAY Yojana 2026
Here are the latest updates and news regarding Ayushman Bharat PM-JAY Yojana 2026:
- Pan-India Coverage Achieved: As of May 2026, PM-JAY is operational across all 36 States and Union Territories of India.
- West Bengal Joins PM-JAY: West Bengal became the last state to implement Ayushman Bharat PM-JAY in May 2026 following state government approval.
- Delhi Implemented PM-JAY: Delhi became the 35th State/UT to implement the scheme in April 2025.
- Odisha Co-Branded Cards: Odisha implemented PM-JAY in January 2025 with co-branded health cards.
- 43.52 Crore+ Cards Issued: Over 43.52 crore Ayushman Cards have been issued to eligible beneficiaries so far.
- Senior Citizens Expansion: Since September 2024, all senior citizens above 70 years are eligible for ₹5 lakh coverage irrespective of socio-economic status.
- Ayushman Vay Vandana Card: A separate health card is issued to senior citizens above 70 years for exclusive coverage.
- 30,000+ Empanelled Hospitals: The network of empanelled hospitals continues to grow across public and private sectors.
- 1,900+ Treatment Packages: The scheme now covers over 1,929 medical procedures across 24 specialities.
Selection Process of Ayushman Bharat PM-JAY Yojana 2026
The selection process of Ayushman Bharat PM-JAY Yojana 2026 is primarily based on the Socio-Economic and Caste Census (SECC) 2011 data. Here is how the selection and verification works:
- Database Identification: The National Health Authority (NHA) has prepared a list of eligible families based on deprivation and occupational criteria from SECC 2011 data.
- State Verification: Each state government verifies the SECC data and prepares the final beneficiary list.
- Family Identification: Eligible families are identified using their ration card number, mobile number, or SECC family ID.
- e-KYC Verification: Beneficiaries must complete e-KYC using Aadhaar to confirm their identity and prevent duplication.
- Biometric Authentication: At CSC centres or empanelled hospitals, biometric verification is done to match Aadhaar records.
- Card Generation: After successful verification, the Ayushman Card with a unique AB-PMJAY ID is generated.
- Hospital Empanelment: Hospitals are empanelled after strict quality checks and audits by the NHA.
- Treatment Authorization: At the time of hospitalisation, the hospital verifies the Ayushman Card through the QR code and seeks authorization from the NHA portal before starting treatment.
For senior citizens above 70 years, a separate enrollment process is conducted through the BIS (Beneficiary Identification System) portal with Aadhaar-based verification.
Common Mistakes While Applying for Ayushman Bharat PM-JAY Yojana 2026
Many applicants make common mistakes during the application process which leads to delays or rejection. Avoid these errors:
- Wrong Mobile Number: Using a mobile number that is not linked to Aadhaar for OTP verification.
- Incorrect Aadhaar Details: Entering wrong Aadhaar number or using an Aadhaar with mismatched details.
- Not Checking SECC Database: Applying without first checking if your family is listed in the SECC 2011 database.
- Incomplete e-KYC: Starting but not completing the full e-KYC process which leaves the card in pending status.
- Wrong State Selection: Selecting the wrong state or district while searching for beneficiary details.
- Visiting Non-Empanelled Hospitals: Going to hospitals that are not empanelled under PM-JAY for treatment.
- Not Carrying Card: Forgetting to carry the Ayushman Card or digital copy when visiting the hospital.
- Ignoring Pre-authorization: Not getting pre-authorization from the hospital before starting treatment.
- Providing False Information: Hiding existing health insurance or government employment status.
Reasons for Application Rejection in Ayushman Bharat PM-JAY Yojana 2026
Applications or eligibility checks for Ayushman Bharat PM-JAY Yojana 2026 may result in rejection due to the following reasons:
- Not in SECC 2011 Database: Your family is not listed in the Socio-Economic and Caste Census 2011 data.
- Exclusion Criteria: Your family falls under the exclusion categories such as owning a four-wheeler, refrigerator, or more than 5 acres of land.
- Government Employment: Any family member is a government employee or works in a government-managed enterprise.
- High Income: Monthly family income exceeds ₹10,000 as per SECC criteria.
- Duplicate Registration: Multiple applications from the same family with the same SECC ID.
- Aadhaar Mismatch: Aadhaar details do not match with SECC database records.
- Already Covered: The family is already enrolled under another government health scheme like CGHS or ECHS (for senior citizens who must choose one).
- Wrong Category: Selecting urban criteria when the family is listed under rural criteria or vice versa.
- Incomplete Verification: Failure to complete biometric or OTP-based e-KYC verification.
PM-JAY Portal: How to Register and Login
The PM-JAY Portal is the official online platform for all scheme-related activities. Here is how to register and login:
How to Register on the Portal:
- Visit pmjay.gov.in.
- Click on “Am I Eligible” on the homepage.
- Enter your mobile number and captcha code.
- Generate and verify OTP sent to your mobile.
- Select your state, district, and search method (Aadhaar, PMJAY ID, Family ID, or Name).
- Enter the required details and search for your family in the beneficiary list.
- If eligible, complete e-KYC using Aadhaar OTP.
- Download your Ayushman Card after successful verification.
How to Login to the Portal:
- Go to the official PM-JAY website pmjay.gov.in.
- Click on “Am I Eligible” or “Beneficiary Login” on the homepage.
- Enter your mobile number and captcha code.
- Verify with OTP sent to your registered mobile number.
- Access your beneficiary dashboard to check status, download card, and view treatment history.
- From the dashboard, you can also find empanelled hospitals and check claim status.
Reset and Forget Password for PM-JAY Portal
If you forget your login credentials for the PM-JAY portal, you can recover them by following these steps:
- Visit Login Page: Go to the official PM-JAY website and click on the login option.
- Click Forgot Password: Look for “Forgot Password” or “Reset Password” link.
- Enter Mobile Number: Enter your registered mobile number.
- OTP Verification: An OTP will be sent to your registered mobile number. Enter this OTP.
- Create New Password: After OTP verification, set a new strong password.
- Confirm and Submit: Re-enter the new password and click “Submit.”
- Login Again: Use your mobile number and new password to access your account.
Tip: Always keep your registered mobile number active. If you change your number, visit your nearest CSC or empanelled hospital to update it in the PM-JAY system.
Grievance Redressal Process of Ayushman Bharat PM-JAY Yojana 2026
The Government of India has established a proper grievance redressal mechanism for Ayushman Bharat PM-JAY Yojana 2026 to address complaints and issues faced by beneficiaries. If you face any problem during registration, card generation, hospitalisation, claim settlement, or treatment denial, you can follow these steps:
- Contact Hospital Help Desk: First, contact the Ayushman Mitra or help desk at the empanelled hospital for immediate assistance.
- PM-JAY Helpline: Call the official PM-JAY helpline numbers:
- 14555
- 1800-111-565
- Ayushman Vay Vandana Helpline: Give a missed call at 1800-110-770 for senior citizen scheme queries.
- Online Grievance Portal: Visit the official PM-JAY portal and look for the “Grievance” or “Complaint” section to file an online complaint.
- State Health Agency: Contact your State Health Agency (SHA) for state-level grievance redressal.
- CSC Support: Visit your nearest Common Service Centre for technical assistance with the online portal.
- NHA Grievance Cell: For unresolved matters, escalate to the National Health Authority (NHA) grievance cell.
The government aims to resolve all grievances within 15-30 days of filing. Beneficiaries are advised to keep their Ayushman Card number, AB-PMJAY ID, and registered mobile number handy while filing complaints.
Renewal Process of Ayushman Bharat PM-JAY Yojana 2026
Ayushman Bharat PM-JAY Yojana does not require annual renewal in the traditional sense, but certain periodic updates are necessary:
- e-KYC Update: Beneficiaries may need to update their e-KYC periodically to keep their Ayushman Card active.
- Card Re-issuance: If the Ayushman Card is lost or damaged, beneficiaries can download a new card from the portal or get it reprinted at a CSC.
- Family Member Updates: Any changes in family composition (birth, death, marriage) should be updated through the portal or CSC.
- Mobile Number Update: Keep your registered mobile number active. If changed, update it immediately.
- Aadhaar Linkage: Ensure your Aadhaar remains linked and valid for seamless verification.
- Hospital Empanelment Renewal: Empanelled hospitals undergo periodic audits and must renew their empanelment status.
- Senior Citizens: Senior citizens above 70 years must ensure their Ayushman Vay Vandana Card is active and separate from the family card.
Beneficiaries should regularly check the official portal for any updates and keep their documents ready for smooth availing of benefits.
Important Links and PDFs of Ayushman Bharat PM-JAY Yojana 2026
Here are the official links and important resources related to Ayushman Bharat PM-JAY Yojana 2026:
| Resource | Link |
|---|---|
| Official PM-JAY Portal | pmjay.gov.in |
| NHA Beneficiary Portal | beneficiary.nha.gov.in |
| Ayushman App | Available on Google Play Store and Apple App Store |
| Hospital Locator | pmjay.gov.in under Hospital Directory |
| PM-JAY Hospital List PDF | Available on official portal |
| CSC Locator | csc.gov.in |
| PM-JAY Guidelines | Available on pmjay.gov.in |
| State Health Agencies | Listed on official portal |
| Ayushman Vay Vandana Portal | bis.pmjay.gov.in |
| Grievance Portal | Available on pmjay.gov.in |
Contact and Information of Ayushman Bharat PM-JAY Yojana 2026
For any queries, complaints, or information regarding Ayushman Bharat PM-JAY Yojana 2026, beneficiaries can use the following contact methods:
- Official Website: pmjay.gov.in
- Helpline Numbers: 14555, 1800-111-565
- Ayushman Vay Vandana Helpline: Give a missed call at 1800-110-770
- National Health Authority (NHA): Government of India, New Delhi
- Email Support: Available on the official portal under Contact Us section
- State Health Agency (SHA): Contact your respective state health agency for state-level queries
- Ayushman Mitra: Available at all empanelled hospitals for on-ground assistance
- Common Service Centres (CSC): Over 3 lakh CSCs across India for card generation and e-KYC
- Empanelled Hospitals: Visit any of the 30,000+ empanelled hospitals for treatment and card verification
Frequently Asked Questions (FAQs) on Ayushman Bharat PM-JAY Yojana 2026
Q1. What is Ayushman Bharat PM-JAY Yojana 2026?
Ayushman Bharat PM-JAY Yojana 2026 is a government health insurance scheme that provides cashless treatment coverage of up to ₹5 lakh per family per year for secondary and tertiary care at over 30,000 empanelled hospitals across India.
Q2. Who is eligible for Ayushman Bharat PM-JAY Yojana 2026?
Families listed in the SECC 2011 database based on deprivation and occupational criteria, and all senior citizens above 70 years of age irrespective of their socio-economic status, are eligible for this scheme.
Q3. How much health coverage do I get under PM-JAY 2026?
Each eligible family gets health coverage of up to ₹5 lakh per year for secondary and tertiary care hospitalisation on a cashless basis.
Q4. How can I apply online for Ayushman Bharat PM-JAY 2026?
Visit pmjay.gov.in, click on “Am I Eligible,” enter your mobile number and OTP, check your eligibility, complete e-KYC using Aadhaar, and download your Ayushman Card.
Q5. Is there any application fee for Ayushman Bharat PM-JAY 2026?
No, there is absolutely no application fee, premium, or registration charge. The entire scheme is fully funded by the Government of India.
Q6. How can I check my Ayushman Card status?
Visit pmjay.gov.in, click on “Am I Eligible,” enter your mobile number and OTP, and check whether your name appears in the beneficiary list and if your card has been generated.
Q7. Can I get cashless treatment at private hospitals under PM-JAY?
Yes, PM-JAY provides cashless treatment at both public and private empanelled hospitals across India. Over 30,000 hospitals are empanelled under the scheme.
Q8. Are pre-existing diseases covered under Ayushman Bharat PM-JAY?
Yes, all pre-existing diseases are covered from day one without any waiting period under the PM-JAY scheme.
Q9. What is the Ayushman Vay Vandana Card?
The Ayushman Vay Vandana Card is a separate health card issued to all senior citizens above 70 years of age, providing them with ₹5 lakh coverage irrespective of their socio-economic status.
Q10. What should I do if my name is not in the PM-JAY beneficiary list?
If your name is not in the SECC 2011 database, you may not be eligible under current criteria. However, you can visit your nearest CSC or contact the PM-JAY helpline at 14555 for guidance on alternative options.