🏥 How to Apply for Ayushman Bharat Card Online – Step-by-Step Guide, Eligibility, Benefits & Download

Healthcare is most important for everyone, but not everyone can afford it. To solve this problem, the Indian Government started the Ayushman Bharat scheme on 23 September 2018. This Scheme helps poor and middle-class families get free treatment in government and Privet hospitals without worrying about hospital bill.

Ayushman Bharat has two main parts:

1. Pradhan Mantri Jan Arogya Yojana (PMJAY): Provides free health insurance up to Rs. 5,00,000/- per family.
2. Ayushman Bharat Digital Mission (ABDM): It is Creates a digital health ID to store medical records online.

Let’s understand how this scheme works and how it benefits cores of people.

What is Ayushman Bharat?

Launched in 2018 under the National Health Authority (NHA), Ayushman Bharat PM-JAY is designed to ensure universal health coverage for India’s economically weaker sections.

It covers hospitalization expenses for both secondary and tertiary medical treatments. Beneficiaries are identified based on the Socio-Economic Caste Census (SECC) 2011 data and Ration Card or Aadhaar-based verification.

Pradhan Mantri Jan Arogya Yojana (PMJAY)

This part of Ayushman Bharat provides free medical insurance of ₹5 lakh per family per year. Its key benefits include:

• Cashless Treatment: Free treatment in private and government hospitals.
• No Limit on Family Size: Covers all family members, who have eligible family.
• Covers Pre-Existing Diseases: Even old illnesses are also included.
• Hospital Expenses Covered: Includes doctor fees, operations, ICU charges, and medical tests.

Ayushman Bharat Digital Mission (ABDM)

This digital mission makes medical services more efficient. Its key features include:

• ABHA (Ayushman Bharat Health Account) ID: A digital health ID to store patient medical history in online.
• Easily Share Health Records: Doctors can access patients past medical reports in digitally.
• Telemedicine & Online Pharmacies: Helps patients consult doctors and buy medicines online.

Who Can Get Ayushman Bharat Benefits?

This scheme is for low-income families listed in the Socio-Economic Caste Census (SECC). Eligible groups include:

• Poor and lower-middle-class families.
• Scheduled Castes (SC), Scheduled Tribes (ST), and Other Backward Classes (OBC) groups.
• Families identified in the SECC database.

To check if you are eligible, visit https://pmjay.gov.in and enter your mobile number.

👨‍👩‍👧 Who is Eligible?

Eligibility for Ayushman Bharat is based on SECC 2011 data.

👉 Rural Criteria

• Households with no adult male (16–59 years)

• Families living in kutcha houses with no earning member

• SC/ST households

• Manual scavenger families

• Landless laborers depending on daily wages

👉 Urban Criteria

Based on occupation types:

• Street vendors, rickshaw pullers

• Domestic helpers, sanitation workers

• Construction workers, electricians, plumbers

• Hawkers, delivery boys, artisans

• Security guards, sweepers, transport workers

You can verify eligibility at the official PMJAY portal.

📑 Documents Required

To apply for Ayushman Bharat Card, you’ll need:

• Aadhaar Card (mandatory)

• Ration Card or Family ID

• Mobile number for OTP

• Income certificate (if needed)

• Caste certificate (if applicable)

• Passport-size photograph

How to Apply for Ayushman Bharat?

Here is a step-by-step guide to applying for Ayushman Bharat Health Account (ABHA) using the official web portal.

Step 1: Open the Registration Link

Click on or copy-paste the following link into your web browser:
🔗 ABHA Registration Portal

Step 2: Choose Your Registration Method

On the registration page, you will see multiple options to create your ABHA ID (Ayushman Bharat Health Account). You can choose any one which is easy to you for register:

1. Aadhaar Card
2. Driving License (Only for generating an Enrolment Number)
3. Mobile Number (linked with Aadhaar)

Note: Aadhaar-based registration is the easiest and quickest method.

Step 3: Enter Aadhaar Number

• If you choose Aadhaar, enter your 12-digit Aadhaar Number and click on “I Agree” to give consent.
• Click on “Next” to proceed.

Step 4: Verify with OTP

• You will receive a Aadhaar Six digits OTP on your Aadhaar linked mobile number.
• Enter that OTP in the given box and then click “Submit”.

Step 5: Fill in Personal Details

After Aadhaar verification, the system will auto-fill some your details. Verify and complete the following:
✔ Full Name
✔ Date of Birth
✔ Gender
✔ Mobile Number
✔ Email ID (Optional)

Click on “Next” after entering the details.

Step 6: Create ABHA Number

• The system will generate a 14-digit ABHA Number.
• You may also create a username (ABHA Address) for easy login in the future.

Step 7: Download and Save Your ABHA ID

• Once successfully registered, you can download the ABHA Card.
• Save that ABHA Number and QR Code for future use.

Step 8: Link to Ayushman Bharat Benefits (Optional)

• If eligible for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PMJAY), you can link your ABHA ID to avail free medical benefits at empanelled hospitals.

How to Download Ayushman Bharat Card?

Downloading your Ayushman Bharat card is easy. Follow these steps:

Step 1: Visit the Official Website

• Go to https://pmjay.gov.in.

Step 2: Log in

• Click on ‘Beneficiary Login’.
• Enter your registered mobile number and verify using OTP.

Step 3: Search for Your Ayushman Bharat Card

• Click on ‘Download Ayushman Card’.
• Enter your Aadhaar number or mobile number.

Step 4: Download and Save the Card

• Your Ayushman Bharat card will be displayed.
• Click ‘Download’ and save it as a PDF.

Step 5: Print and Use

• Take a printout of the Ayushman Bharat e-card.
• Show it at hospitals to get free treatment as per guidelines.

Interesting Facts About Ayushman Bharat

Here are some key numbers that show the impact of Ayushman Bharat:

Benefits of Ayushman Bharat

• Saves Money: Covers hospital expenses for poor and middle-class families.
• No Need to Pay for Treatment: Free medical care in registered hospitals.
• Better Healthcare: More hospitals and better facilities for treatment.
• Encourages Private Hospitals to Help: Private hospitals also provide free treatment.

❓ Frequently Asked Questions (FAQs)

1. What is Ayushman Bharat?

Ayushman Bharat, also known as the Pradhan Mantri Jan Arogya Yojana (PM-JAY), is a national health insurance scheme launched by the Government of India in 2018. The scheme aims to provide cashless healthcare coverage of up to ₹5 lakh per family per year to economically vulnerable sections of society. It aims to improve the healthcare system, especially for the underprivileged.

2. Who is eligible for the Ayushman Bharat Card?

Eligibility for the Ayushman Bharat card is primarily determined through the Socio-Economic Caste Census (SECC) 2011 data. The eligibility is based on:

• Rural Areas: Households with no adult male members, families living in kutcha houses, landless laborers, families belonging to SC/ST, and manual scavengers.

• Urban Areas: Based on occupation types like street vendors, rickshaw pullers, sanitation workers, construction workers, domestic helpers, electricians, plumbers, and security guards.

The official website and CSC centers allow you to check eligibility.

3. What documents are required to apply for the Ayushman Bharat card?

To apply for the Ayushman Bharat Card, you need the following documents:

• Aadhaar Card (mandatory for verification)

• Ration Card or Family ID for identification

• Income Certificate (if applicable)

• Caste Certificate (for SC/ST category applicants)

• Passport-sized Photograph

• Mobile number for OTP verification

• Other government-issued IDs (if necessary)

These documents are used for eKYC verification during the registration process.

4. Can I apply for Ayushman Bharat Card online?

Yes, you can apply for the Ayushman Bharat card online by visiting the official PMJAY portal (https://pmjay.gov.in) and following the steps for eligibility checking and registration. However, biometric verification is required, which can be completed at a Common Service Center (CSC) or an empaneled hospital.

5. How can I check if my name is in the Ayushman Bharat beneficiary list?

To check if you are eligible and listed in the Ayushman Bharat beneficiary list, follow these steps:

1. Visit https://pmjay.gov.in

2. Click on “Am I Eligible” on the homepage

3. Enter your mobile number and receive an OTP for verification

4. Select your state and search for your family’s name using Aadhaar, Ration Card, or other options.

If you qualify, you’ll be listed as an eligible beneficiary.

6. How do I register for Ayushman Bharat Card?

Follow these steps for registration:

1. Visit the official website https://pmjay.gov.in

2. Check your eligibility by using the “Am I Eligible” feature.

3. If eligible, visit your nearest Common Service Center (CSC) or hospital to complete biometric verification.

4. Provide the required documents for verification.

5. Your Ayushman Bharat Card will be generated after verification. You can either download it from the portal or print it from the DigiLocker.

7. How to download Ayushman Bharat Card?

To download the Ayushman Bharat Card, follow these steps:

1. Visit https://bis.pmjay.gov.in

2. Enter your mobile number and OTP for verification.

3. Click on “Download Ayushman Card”.

4. Your Ayushman Bharat card will be available for download in PDF format. You can print it for use.

Alternatively, you can access your card through the DigiLocker app or ABHA Health ID portal.

8. Is there a fee to apply for the Ayushman Bharat Card?

No, there is no fee to apply for the Ayushman Bharat Card. It is a free government service provided to eligible citizens. Some Common Service Centers (CSC) may charge a small fee for administrative or facilitation services like document uploading or biometric verification.

9. Can I use the Ayushman Bharat Card for medical treatment anywhere in India?

Yes, the Ayushman Bharat Card is valid across India at empaneled hospitals. The scheme allows cashless treatment for listed medical procedures in both public and private hospitals under the PM-JAY network.

10. What health treatments are covered under Ayushman Bharat?

The Ayushman Bharat Card covers over 1,500 medical procedures, including:

• Surgical procedures for heart diseases, cancer, diabetes, kidney ailments, and neurological issues.

• Maternity care, newborn health, and child immunization.

• Diagnostics and treatment of critical illnesses such as cancer, stroke, and accidents.

• Pre-existing medical conditions such as hypertension and diabetes are also covered.

11. How can I update my Ayushman Bharat details if there is an error?

If there’s an error in your Ayushman Bharat registration details, you can request updates at the nearest Common Service Center (CSC) or hospital that facilitated your registration. Make sure to provide valid proof for corrections.

12. Can I apply for Ayushman Bharat Card if I already have private health insurance?

Yes, you can still apply for the Ayushman Bharat Card even if you have private health insurance. The Ayushman Bharat scheme provides additional health coverage over and above any private insurance you may have, and it is specifically designed for economically vulnerable sections of society.

13. Is the Ayushman Bharat Card valid for the entire family?

Yes, the Ayushman Bharat Card covers the entire family unit as per the eligible member’s details. This includes all members listed in the family’s Ration Card or as per the SECC 2011 data.

14. What happens if I lose my Ayushman Bharat Card?

If you lose your Ayushman Bharat Card, you can download a new copy from the PM-JAY portal or visit your Common Service Center (CSC) to have it reissued.

15. What are the benefits of having the Ayushman Bharat Card?

The Ayushman Bharat Card provides the following benefits:

• Cashless healthcare at over 24,000 hospitals across India.

• Coverage for hospitalization, surgery, diagnosis, and pre-existing conditions.

• No age or family size restrictions.

• The card is valid for family members and includes maternity and newborn care.

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📝 Final Thoughts

The Ayushman Bharat PM-JAY scheme is a revolutionary step toward universal health coverage in India. If you or your family qualify under the SECC 2011 list, don’t miss out on the benefits. Apply for your Ayushman Bharat card online, download it, and enjoy cashless healthcare at hundreds of empaneled hospitals across India.

For more updates and official guides, bookmark National Info Desk!