Published Aug 1, 2025 4 Min Read

What is an Ayushman Card?

The Ayushman Card is the gateway to affordable healthcare under the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PMJAY). This government-issued card enables eligible families to avail themselves of cashless medical treatments at empanelled hospitals across the country.


Eligibility criteria

To apply for an Ayushman Card, you must meet certain eligibility requirements:

  • Families identified under the Socio-Economic Caste Census (SECC) 2011 are eligible.
  • Beneficiaries listed in the Rashtriya Swasthya Bima Yojana (RSBY) can also apply.
  • Priority is given to economically weaker sections, including rural families with no income source or urban families engaged in manual labour.

 

Benefits offered

The Ayushman Card offers a wide range of benefits, including:

  • Cashless treatment: Cardholders can access medical services without paying upfront at empanelled hospitals.
  • Coverage up to Rs. 5 lakh per family per year: This includes expenses for surgeries, hospitalisations, and critical treatments.
  • Nationwide accessibility: The card is interoperable, meaning you can use it in empanelled hospitals across India.

 

Real-world impact

Imagine a family requiring emergency cancer treatment but unable to afford the high costs. With the Ayushman Card, they can receive life-saving care at no cost in empanelled hospitals. This initiative has been a lifeline for countless families, ensuring that healthcare is not a luxury but a basic right.

State-wise Ayushman Bharat Hospital List

Accessing the Ayushman Bharat hospital list is simple and user-friendly. Here is a step-by-step guide to finding PMJAY empanelled hospitals in your state:

 

Steps to access the hospital list

  1. Visit the official PMJAY portal: Start by visiting the official Ayushman Bharat website (https://pmjay.gov.in).
  2. Log in with your details: Use your registered mobile number or Aadhaar details to log in.
  3. Search by location: Navigate to the hospital search section and filter by state, district, or city.
  4. Select hospital type: Choose between public or private empanelled hospitals based on your preferences.

 

Pro-tip for convenience

Use the filtering options to narrow down your search by hospital type, specialty, or proximity to your location. This ensures quicker access to the relevant facilities.

 

Cashless treatment at empanelled hospitals

Empanelled hospitals under PMJAY offer cashless treatment for Ayushman Cardholders. Whether it is a routine surgery or a critical procedure, eligible families can avail themselves of medical services without financial stress.

 

Common treatments available

Here are some examples of treatments you can access at PMJAY empanelled hospitals:

  • Heart surgeries, including bypass procedures.
  • Kidney dialysis and transplants.
  • Orthopedic treatments, such as joint replacements.
  • Cancer therapies, including chemotherapy and radiation.

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Ayushman Bharat Covered Treatments

The Ayushman Bharat scheme covers a wide range of treatments to ensure comprehensive healthcare for eligible families. Below is an overview of the key categories of treatments covered:

 

Categories of covered treatments


Critical health conditions:

  • Heart surgeries (e.g., bypass, valve replacements).
  • Cancer treatments, including chemotherapy and radiation.
  • Organ transplants, such as the kidney and liver.

Routine hospitalisations and general surgeries:

  • Appendectomy.
  • Hernia repair.
  • Gall bladder removal.

Maternity and neonatal care services:

  • Delivery and postnatal care.
  • Treatment for premature infants.

 

Exclusions

While the Ayushman Bharat scheme covers a wide array of treatments, some exclusions apply:

  • Cosmetic surgeries, such as rhinoplasty or liposuction.
  • Experimental procedures not yet approved by medical authorities.

Pro-tip: Always confirm treatment eligibility and coverage specifics at empanelled hospitals before admission.

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How to complain? 

Frequently Asked Questions

Can I use my Ayushman Card in any state?

Yes! The Ayushman Bharat scheme features interoperability, allowing you to access cashless treatment at empanelled hospitals across states.

How to update incorrect details in the Ayushman Card?

Visit the official PMJAY portal or call the helpline. Be ready to provide your Aadhaar and other required documents for corrections.

Can I get cashless treatment for emergencies?

Absolutely. Eligible emergencies can be treated cashlessly at empanelled hospitals under PMJAY. Ensure the hospital is on the empanelled list before proceeding.

What if my nearest hospital is not empanelled?

Only empanelled hospitals can provide benefits under PMJAY. If your nearest hospital is not covered, you may report this to government authorities to raise empanelment

How to complain about overcharging by empanelled hospitals?

If an empanelled hospital overcharges, file a grievance through the official PMJAY helpline or website support portal.

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