With rising healthcare costs becoming a burden for low-income families, the Government of India has introduced a major health initiative aimed at easing medical expenses for the underprivileged. Known as the Ayushman Bharat Yojana, or Pradhan Mantri Jan Arogya Yojana (PMJAY), this scheme offers free medical treatment up to ₹5 lakh per family annually across the country.

To avail of the benefits, eligible individuals must have an Ayushman Bharat card, which can be created online or offline. Here’s a detailed guide on how to apply for the Ayushman card, who is eligible, and what documents are needed.

What is the Ayushman Bharat Yojana?

Launched to provide universal health coverage for the economically weaker sections of society, the Ayushman Bharat scheme enables eligible beneficiaries to access cashless and paperless treatment in both government and empaneled private hospitals across India.

The program covers hospitalization costs, including pre and post-hospital care, surgeries, diagnostics, and medications, offering a coverage of ₹5 lakh per family per year.

Who is Eligible for the Ayushman Card?

Eligibility for the Ayushman Bharat scheme is determined using the SECC-2011 (Socio-Economic Caste Census) data. It applies to both rural and urban households, based on socio-economic indicators.

Rural Area Eligibility Criteria:

• Families living in kutcha houses (temporary structures)

• Households with only one room for accommodation

• Families with at least one physically disabled member

• Households with no adult male members between the ages of 16 and 59

• Families belonging to Scheduled Castes (SC) or Scheduled Tribes (ST) and dependent on daily wages

Urban Area Eligibility Criteria:

• Individuals working in specific unorganized sectors such as:

  • Drivers

  • Sanitation workers

  • Laborers

  • Rickshaw pullers

  • Painters

  • Welders, etc.

Documents Required for Ayushman Card Application

Before applying, make sure you have the following documents ready:

• Aadhaar card for all family members

• Ration card

• Proof of address

• Active mobile number

How to Apply for Ayushman Bharat Card

There are two convenient methods to apply for the Ayushman card: online or offline.

1. Online Application Process

You can apply for the Ayushman card through the official PMJAY portal by following these steps:

1. Visit the official website: https://beneficiary.nha.gov.in

2. Enter your mobile number and complete the OTP verification.

3. After login, select your scheme (PMJAY), along with state, district, and Aadhaar number.

4. Click on ‘Search’ to find your name in the beneficiary list.

5. If your name appears, click the ‘Action’ button next to it.

6. Complete E-KYC using your Aadhaar OTP.

7. If your matching score is 80% or above, your card will be auto-approved.

8. Upload your photograph, fill out the required form, and submit.

2. Offline Application Process

If you prefer to apply in person:

1. Visit the nearest Common Service Center (CSC) or Atal Seva Kendra.

2. Carry all required documents.

3. Ask the center to help you verify eligibility and fill out the application form for the Ayushman card.

Benefits of the Ayushman Bharat Card

• Free hospitalization up to ₹5 lakh per family per year

• Access to a wide network of over 25,000 empaneled hospitals (government and private)

• No age or family size restriction

• Covers pre-existing illnesses

• Cashless and paperless treatment across India

Conclusion

The Ayushman Bharat Card is a life-changing initiative for millions of Indians who struggle with expensive healthcare. If you or someone you know qualifies under the SECC 2011 criteria, don’t miss the chance to apply and secure quality healthcare free of cost.

Whether online or offline, the process is simple, accessible, and could make a critical difference when a medical emergency strikes.