Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PM-JAY)

 Ayushman Bharat PM-JAY is a flagship health insurance scheme launched by the Government of India to provide free healthcare services to the bottom 40% of India's population, especially the poor and vulnerable families.

✅Key Features:

1. ₹5 lakh coverage per family per year.
2. Covers hospitalization expenses (pre- and post-hospitalization).
3. Cashless treatment at empanelled public and private hospitals.
4. No age, family size, or gender restrictions.

📌 Eligibility Criteria:

Rural: Based on SECC 2011 data (e.g., landless households, families with no adult earning member, etc.).

Urban: Based on occupational categories (e.g., street vendors, domestic workers, construction workers, etc.).

Automatic Inclusion: If already covered under Ration Card, NFSA, or Ayushman Mitra list.

You can check eligibility using your mobile number or ration card number.

📝 Step-by-Step Process to Get Ayushman Card

🧾 Step 1: Check Your Eligibility

Option A: Online

1. Visit 👉 https://beneficiary.nha.gov.in

2. Click on "Am I Eligible".

3. Enter your mobile number and verify with OTP.

4. Select your state and search using:

• Ration Card Number

• Mobile Number

• Name

Option B: Offline

Visit your nearest:

• Common Service Center (CSC)

• Hospital with Ayushman Kendra

• Ayushman Mitra

🖨️ Step 2: Document Submission & Verification

Provide the following:

• Aadhaar Card (mandatory)

• Ration Card or SECC Name proof

• Mobile number

• Address proof (if required)

The officials will verify your name in the PM-JAY database.

📥 Step 3: Generate Ayushman Card

Once verified:

1. Your Ayushman Card will be generated digitally.

2. You will get a PMJAY ID number.

3. It will be linked with your Aadhaar and mobile.

You can download the card from:

• PMJAY website
• CSC center
• Aarogya Setu app

ABHA (Ayushman Bharat Digital Health ID) portal

📄 Step 4: Download or Print Ayushman Card

Option A: Online

1. Go to https://bis.pmjay.gov.in

2. Login using your mobile number/Aadhaar

3. Go to “Download Ayushman Card”

4. Enter OTP and download

Option B: CSC

They will print it for you for a small fee (₹30-₹50).

🏥 Step 5: Use the Ayushman Card

At the Hospital:

1. Visit an empaneled hospital (list available on PM-JAY website).

2. Carry your Ayushman card + Aadhaar.

3. Go to the Ayushman Mitra Kendra in the hospital.

4. They will check eligibility and initiate treatment cashless.

🔁 Renewal or Updates

No need to renew annually.

If details change (e.g., name, Aadhaar, address), visit CSC or hospital Ayushman Kendra for updates.