Ayushman Bharat Card – Check PMJAY Eligibility Online at pmjay.gov.in

Read on to know the eligibility criteria and application process for the Ayushman Bharat Pradhan Mantri Jan Arogya scheme.
Check Health Insurance Plans
3 mins
15 July 2023

Ayushman Bharat Yojana, also known as the Pradhan Mantri Jan Arogya Yojana (PMJAY), is a scheme that aims to help the economically weaker section of society who needs healthcare facilities.

The PMJAY scheme was rolled out by the Prime Minister on September 23, 2018. This health insurance scheme covers about fifty crore citizens in India. Ayushman card already has several success stories to its credit.

What is PMJAY (Ayushman Bharat Yojana)?

Considered one of the world's largest healthcare schemes, Ayushman Bharat Yojana aims to extend coverage to over 50 crore Indian citizens, especially those from economically weaker sections. Launched in September 2018, PMJAY provides health insurance plans with a maximum sum insured amount of Rs. 5 lakh. The government health insurance scheme covers most medical treatment costs, medications, diagnostics, and pre-hospitalisation expenses. Moreover, it offers cashless hospitalisation services through the Ayushman health card, usable at any empanelled hospital nationwide. Beneficiaries can access hospitalisation for necessary treatment by presenting their PMJAY e-card.

The Ayushman Bharat Yojana - National Health Protection Scheme has now been renamed Pradhan Mantri Jan Arogya Yojana. This plans to make secondary and tertiary healthcare completely cashless for the underprivileged section of society. The PM Jan Arogya Yojana beneficiaries get an Ayushman card to avail of services at an empanelled hospital, public, or private, anywhere in the country. With the PMJAY scheme, you can enjoy the benefit of walking into a hospital and obtaining cashless treatment.

About Ayushman Bharat scheme and card (PMJAY): Overview

PMJAY provides Rs. 5 lakh coverage to every family per year, thus helping the economically disadvantaged access healthcare services easily. Given below are the key details about the Ayushman Bharat Yojana:



Name of the Scheme

Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) or Ayushman Bharat National Health Protection Scheme (NHPS)

Launch date for PMJAY

September 23, 2018

Coverage (per family)

Rs. 5 lakh/year

Procedures covered

1,400 procedures

Pre-hospitalisation expenses coverage

Up to 3 days

Post-hospitalisation expenses coverage

Up to 15 days



Helpline Numbers

1800-111-565 or 14555

Email Id


Pro Tip

Avail hospitalisation and treatment benefits with health insurance plans starting at just Rs. 15*/day.

PMJAY health cover categories: Eligibility criteria for rural and urban

The PMJAY scheme aims to provide healthcare to ten crore families. These mostly include the poor and people with lower middle income, through a health insurance scheme covering Rs. 5 lakh per family. The ten crore families comprise eight crore families in rural areas and 2.33 crore families in urban areas. Broken into smaller units, this means that the scheme will aim to cater to 50 crore individual beneficiaries.

To qualify for Ayushman Bharat Yojana, applicants must belong to one of the specified categories: SC/ST, Lower Income Group, or EWS. You can ascertain your Ayushman card eligibility by utilising the ‘Am I Eligible’ feature on the official website.

However, the scheme has certain pre-conditions by which it picks who can avail of the health cover benefit. While in the rural areas, the list is mostly categorised on lack of housing, meagre income, and other deprivations.


The 71st round of the National Sample Survey Organisation reveals that a staggering 85.9% of rural households do not have access to any healthcare insurance or assurance. Additionally, 24% of rural families access healthcare facilities by borrowing money. Ayushman Bharat Yojana aims to help this sector by providing yearly assistance of up to Rs. 5 lakh per family. The scheme will aid economically disadvantaged families as per data in the Socio-Economic Caste Census 2011. Here too, households enrolled under the Rashtriya Swasthya Bima Yojana (RSBY) will come under the ambit of the PM Jan Arogya Yojana.

In the rural areas, the PMJAY health cover is available to:

  • Those living in scheduled caste and scheduled tribe households
  • Beggars and those surviving on alms
  • Families with no individuals aged between 16 and 59 years
  • Families having at least one physically challenged member and no able-bodied adult member
  • Landless households who make a living by working as casual manual labourers
  • Primitive tribal communities
  • Legally released bonded labourers
  • Families living in one-room makeshift houses with no proper walls or roof
  • Manual scavenger families


According to the National Sample Survey Organisation (71st round), 82% of urban households do not have health insurance. Further, 18% of Indians in urban areas have addressed healthcare expenses by borrowing money in one form or the other. Pradhan Mantri Jan Arogya Yojana helps these households avail of healthcare services by providing funding of up to Rs. 5 lakh per family per year. PMJAY will benefit urban workers’ families in the occupational category present in the Socio-Economic Caste Census 2011. Further, any family enrolled under the Rashtriya Swasthya Bima Yojana will benefit from the PM Jan Arogya Yojana.

In the urban areas, those who can avail of the government-sponsored scheme consist mainly of:

  • Washerman/ watchmen
  • Rag pickers
  • Mechanics, electricians, repair workers
  • Domestic help
  • Sanitation workers, gardeners, sweepers
  • Home-based artisans, or handicraft workers, tailors
  • Cobblers, hawkers, and other services provided on streets or pavements
  • Plumbers, masons, construction workers, porters, welders, painters, and security guards
  • Transport workers like drivers, conductors, helpers, cart, or rickshaw pullers
  • Assistants, peons in small establishments, delivery boys, shopkeepers, and waiters

People not entitled to health cover under Pradhan Mantri Jan Arogya Yojana:

  • Those who own a two, three or four-wheeler or a motorised fishing boat
  • Those who own mechanised farming equipment
  • Those who have kisan cards with a credit limit of Rs. 50000
  • Those employed by the government
  • Those who work in government-managed non-agricultural enterprises
  • Those earning a monthly income above Rs. 10000
  • Those owning refrigerators and landlines
  • Those with decent, solidly built houses
  • Those owning 5 acres or more of agricultural land

While not everyone is entitled to these government schemes, getting health, motor or other general insurance policies may not be suitable for all pockets. Thus, Bajaj Finance brings insurance and subscription plans affordable for all.

What is covered under Ayushman Bharat Yojana Scheme or PMJAY?

With the aim of providing accessible healthcare to the economically disadvantaged, the Ayushman Bharat Yojana Scheme, including the AB-PMJAY and Ayushman card, offers comprehensive coverage of up to Rs. 5 lakh per family annually for secondary and tertiary hospitalisation care.

Health insurance provided under AB-PMJAY encompasses various components, such as medical examination, consultation, and treatment, pre-hospitalisation services, both non-intensive and intensive care, medication and medical consumables, diagnostic and laboratory tests, accommodation, medical implants where necessary, food services, treatment-related complications, and post-hospitalisation expenses for a duration of up to 15 days.

What is not covered under Ayushman Bharat Yojana Scheme or PMJAY?

Just like other health insurance policies, Ayushman Bharat Yojana Scheme has its exclusions. The following components are not covered under the scheme:

  • Out-Patient Department (OPD) expenses
  • Drug rehabilitation
  • Cosmetic surgeries
  • Fertility treatments
  • Individual diagnostics
  • Organ transplant

How to check Ayushman Bharat Yojana eligibility online

To verify your eligibility for Ayushman Bharat online, adhere to the following steps:

Step 1: Go to the official website of Ayushman Bharat Yojana at https://www.pmjay.gov.in/

Step 2: Access the "Am I Eligible" section on the homepage.

Step 3: Input your mobile number and captcha code on the subsequent page, then click the "Generate OTP" button.

Step 4: Enter the OTP received on your mobile and click the "Verify OTP" button.

Step 5: On the subsequent page, furnish essential information such as name, state, age, family members, and income details.

Step 6: Once all details are entered, click the "Submit" button.

Affordable insurance and subscription plans to meet all your needs

Paying high premiums for insurance policies may not be feasible for everyone. With affordable insurance and subscription plans that are easy to buy and access, you can secure yourself from medical emergencies, vehicle damages, credit card fraud, and more. For example, you can buy a personal accident cover of up to Rs. 10 lakh starting from just Rs. 230.

Bajaj Finance Insurance Mall offers over 300 plans across various categories like health, motor, life, and pocket-friendly subscription and insurance policies.
You can buy them online, with zero paperwork and claim benefits at the time of need.

Medical packages and hospitalisation process in Ayushman Bharat scheme (PMJAY)

Individuals in specific and families, in general, can benefit from the Rs. 5 lakh insurance cover provided by the Pradhan Mantri Jan Arogya scheme. This lump sum is enough to cover the medical and surgical treatments in 25 specialities: cardiology, neurosurgery, oncology, paediatrics, orthopaedics, etc. However, medical and surgical expenses cannot be reimbursed simultaneously.

If multiple surgeries are necessary, the highest package cost is paid for in the first instance, followed by a 50% waiver for the second and a 25% discount for the third. Unlike other health insurance schemes, there is no waiting period for pre-existing diseases under the PMJAY scheme, which comes under the larger umbrella scheme of Ayushman Bharat Yojana. Should any beneficiary or anyone in their family require hospitalisation, they need not pay anything, provided they are admitted in any empanelled government or private hospital.

The cashless treatment and hospitalisation are possible due to a 60:40 cost-sharing agreement between the centre and states. Once identified as a genuine beneficiary, you or your family member will be issued a health card by specially trained Ayushman Mitras. They manage kiosks in hospitals for those unaware of the PMJAY scheme.

Read more about

PMJAY illness coverage: List of critical diseases covered under PM Jan Arogya Yojana

PMJAY helps households access secondary and tertiary care by funding up to Rs. 5 lakh per family per year. This assistance is valid for daycare procedures and even applies to pre-existing conditions. PMJAY extends coverage for over 1,350 medical packages at empanelled public and private hospitals.

Some of the illnesses under critical health insurance are as follows:

  • Prostate cancer
  • Coronary artery bypass grafting
  • Double valve replacement
  • Carotid angioplasty with stent
  • Pulmonary valve replacement
  • Skull base surgery
  • Laryngopharyngectomy with gastric pull-up
  • Anterior spine fixation
  • Tissue expander for disfigurement following burns

Here are some of the exclusions under PMJAY:

  • OPD
  • Drug rehabilitation programme
  • Cosmetic-related procedures
  • Fertility-related procedures
  • Organ transplants
  • Individual diagnostics (for evaluation)

Advantages of health insurance in India

The main advantage of having a health insurance policy is that you can avail of medical treatment without suffering any strain on your finances. Moreover, as many Indians end up borrowing money informally to pay medical bills, utilising the features of PMJAY helps avoid the risk of a debt trap. You can get up to Rs. 5 lakh treatment under the Ayushman Bharat Yojana.

You may choose to buy a family health insurance plan to secure your entire family under one umbrella or go for an individual health insurance plan. For senior citizens, it is advised to have a separate health insurance plan to cover their medical expenses. Several health insurance plans for senior citizens provide adequate financial coverage.

Alternatively, you can also explore small-ticket health policies like Pocket Insurance offered through Bajaj Finance, which offers affordable policies catering to specific needs. You can easily apply for these policies online.

Read more : How to apply for Ayushman card

Ayushman Bharat Yojana: PMJAY patient card generation

Once you are eligible for the PMJAY benefits, you can work towards getting an e-card through the official website pmjay.gov.in. Your Aadhaar card or ration card will be verified at the PMJAY kiosk before issuing a card. Family identification proofs include a government-certified list of members, a PM letter, and an RSBY card. After verification, the e-card is printed along with the unique AB-PMJAY ID. You can use this as proof at any point in the future.

Government schemes offer higher coverage at lower premium prices. However, you can also look for health insurance policies with higher coverage and nominal premiums at the Bajaj Finance Insurance Mall. These policies provide coverage for critical illnesses, accidents, health check-ups, and additional add-on benefits.

Some Government Scheme


Beneficiary NHA

Aam Admi Bima Yojana

Central Govt health scheme

Benefits of Ayushman Bharat Yojana

Ayushman Bharat Digital Mission

Frequently asked questions

How can I check if I am eligible for the PMJAY scheme?

The Pradhan Mantri Jan Arogya Yojana (PMJAY) scheme provides free medical treatment and hospitalisation for certain illnesses and procedures. To determine your eligibility for this incredible program, simply visit the official PMJAY website and enter your mobile number or ration card number. You will receive instant confirmation of your eligibility status, allowing you to take advantage of the many benefits provided by this scheme.

Is the PMJAY scheme applicable to all states in India?

The Pradhan Mantri Jan Arogya Yojana (PMJAY) scheme applies to all states in India, providing medical treatment and hospitalisation benefits to eligible individuals in need.

Can I avail of cashless treatment under Ayushman Bharat Yojana?

Yes, you can avail of cashless treatment under the Ayushman Bharat Yojana. This scheme provides a range of benefits, including free medical treatment and hospitalisation for eligible individuals in need. To avail of cashless treatment, simply visit a hospital or medical facility that is empanelled under the Ayushman Bharat Yojana. The hospital will then provide cashless treatment, allowing you to receive the care you need without worrying about upfront payment.

Are pre-existing conditions covered under the PMJAY scheme?

Yes, there is coverage for pre-existing conditions under the Pradhan Mantri Jan Arogya Yojana (PMJAY) scheme. This means that if you have a medical condition that existed prior to being enrolled in the PMJAY scheme, you can still receive free medical treatment and hospitalisation benefits. However, certain exclusions and limitations may be applicable.

How do I register for a PMJAY card?

In order to register for a PMJAY (Pradhan Mantri Jan Arogya Yojana) card, you can visit your nearest empanelled hospital or Ayushman Mitra to complete the registration process. You will need to provide your identification documents, such as your Aadhaar card, to complete the registration process.

How can I link my Ayushman card with an Aadhaar card?

You can link your Ayushman card with an Aadhaar card by visiting the official Ayushman Bharat website or by visiting your nearest Ayushman Mitra. You will need to provide your Aadhaar card details and follow the process outlined on the website or by the Mitra.

How do I check the validity of my Ayushman card?

You can check the validity of your Ayushman card by visiting the official Ayushman Bharat website or by contacting your nearest Ayushman Mitra. You will need to provide your Ayushman card number and follow the process outlined on the website or by the Mitra to check the current validity status of your card.

Can I avail of PMJAY benefits if I have a pre-existing medical condition?

Yes, even if you have a pre-existing medical condition, you can still avail of the benefits under PMJAY. However, the treatment for your pre-existing condition will not be covered under the scheme. Under PMJAY, the government provides financial cover of up to Rs. 5 lakh per family for secondary and tertiary health services.

What is the eligibility for Ayushman Yojana?

People belonging to SC/ST category, families with no earning member above 16 years of age, having income less than Rs. 2.5 lakh, and the one’s listed in the PMJAY beneficiary list are eligible to apply for Ayushman Yojana.

Can I apply online for an Ayushman card?

Yes, you can apply online for the Ayushman card on the official PMJAY website.

Show More Show Less


*T&C Apply - Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, SBI General Insurance Company Limited, ACKO General Insurance Limited, ICICI Lombard General Insurance Company Limited, HDFC ERGO General Insurance Company Limited, Tata AIG General Insurance Company Limited, The New India Assurance Company Limited, Cholamandalam MS General Insurance Company Limited, Niva Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited, Manipal Cigna Health Insurance Company Limited and Care Health Insurance Company Limited under the IRDAI composite CA registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. Please refer insurer's website for Policy Wordings. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws. Tax laws are subject to change. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product. Visitors are hereby informed that their information submitted on the website may also be shared with insurers. BFL is also a distributor of other third party products from Assistance Services providers such as CPP Assistance Services Pvt. Ltd., Bajaj Finserv Health Ltd. etc. All product information such as premium, benefits, exclusions, sum insured, value added services, etc. are authentic and solely based on the information received from the respective insurance company or the respective Assistance service provider company.

Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.