Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) provides free health insurance of ₹5 lakh per family per year for hospitalization. Over 55 crore beneficiaries are covered as of 2026.
How to Check Eligibility First
- 1Go to beneficiary.nha.gov.in
- 2Enter your mobile number and OTP
- 3Search by name, Aadhaar, or ration card number
- 4If your family appears in the list, you are eligible
Eligibility is based on the Socio-Economic and Caste Census (SECC) 2011 data. There is no application form for the scheme — if your family is in the SECC database, you are automatically covered.
How to Get Your Ayushman Card
- 1Go to pmjay.gov.in or visit the nearest Ayushman Mitra at any empanelled hospital
- 2Log in using your Aadhaar number and OTP
- 3Verify identity with biometric or OTP
- 4Your Ayushman card is generated on screen
- 5Download the PDF or take printout — this is your health card
Documents Required
- ●Aadhaar card (all family members)
- ●Ration card (SECC linked)
- ●Mobile number linked to Aadhaar
- ●Any one address proof for verification
What Is Covered?
| Coverage Amount | ₹5 lakh per family per year |
| Hospitalization | Surgeries, ICU care, medicines, diagnostics |
| Pre-hospitalization | 3 days before admission |
| Post-hospitalization | 15 days after discharge |
| Cash Payment | Zero — hospital bills directly to govt |
Find empanelled hospitals near you at hospitals.pmjay.gov.in — 29,000+ hospitals across India are listed.
Govt employees, families earning above ₹8 lakh/year, and income taxpayers are NOT eligible for this scheme.