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Ayushman Card (PM-JAY)

The Ayushman card gives free cashless treatment up to ₹5 lakh per family per year at empanelled hospitals under Ayushman Bharat PM-JAY. It is for eligible poor and vulnerable families, and for every senior citizen aged 70 or above.

The short answer

The Ayushman card gives free cashless treatment up to ₹5 lakh per family per year at empanelled hospitals under Ayushman Bharat PM-JAY. It is for eligible poor and vulnerable families, and for every senior citizen aged 70 or above.

Official fees

ServiceFee
Ayushman card creation (self, CSC or empanelled hospital)Free
Treatment at empanelled hospitals, up to ₹5 lakh per family per yearFree (cashless)
Ayushman Vay Vandana card, age 70 and aboveFree

Not officially verified Some figures are from secondary sources. Confirm on the official portal before paying.

Same fee in every state and city. It is set by the central government.

Documents to keep ready

Tick what you already have. The shared list shows each one as ready or pending.

How to apply

  1. Check eligibility on beneficiary.nha.gov.in or the Ayushman App using mobile OTP
  2. Search by state, scheme and Aadhaar, ration card or name
  3. If your name is listed, complete Aadhaar e-KYC with OTP or face authentication
  4. Seniors aged 70 plus can enrol directly with Aadhaar e-KYC, no income check
  5. Wait for approval, then download the card from the same portal or app
  6. Or visit a nearby CSC or empanelled hospital (Ayushman Mitra) for help
Aged 70 or above? You may get a separate free cover. Ayushman Vay Vandana card
Need it as a PDF? Follow the official download steps. Download Ayushman card
Good to know
  • Eligible families are those listed from SECC 2011 data and families added by states, including many NFSA ration card families and ASHA and Anganwadi worker families
  • Seniors aged 70 plus get their own ₹5 lakh top up, not shared with younger family members. Those in CGHS, ECHS or CAPF must choose one scheme
  • Every State and UT now runs PM-JAY. Odisha joined in January 2025, Delhi in April 2025 and West Bengal in June 2026
  • The card and treatment are free. Do not pay agents, use only the official portal or app, helpline 14555

After you apply

What to do once the form is submitted: where to track it, how long it takes, why it gets rejected and what the law says if you do not have it.

Track your application

Typical time

Card is usually ready within minutes to a few days after Aadhaar e-KYC is approved

Not officially verified

If you do not have it or miss the deadline

There is no fine for not having an Ayushman card. You only miss free treatment up to ₹5 lakh per family per year at empanelled hospitals. We could not load an official page on the penalty for giving false details, so we cannot state an amount.

Law: Ayushman Bharat PM-JAY scheme guidelines (no penalty section confirmed)

Not officially verified

Common reasons for rejection and how to fix them

ReasonHow to fix it
Your name is not in the eligible list (SECC or senior citizen record)Check eligibility on the official site or at an empanelled hospital Ayushman Mitra desk.
Aadhaar e-KYC fails or the details do not match the source databaseCorrect the name, age or mobile in Aadhaar first, then try e-KYC again or go to a Common Service Centre.
Aadhaar is not linked to a working mobile number for the OTPLink a mobile number to Aadhaar, or use fingerprint e-KYC at a CSC or hospital.
Family member details were entered wronglyAsk the Ayushman Mitra or CSC operator to correct the details and resubmit.

Not officially verified

Govt License is an independent guide. Fines and rules change, so confirm on the official portal. Items marked Not officially verified could not be checked on an official page.

Common questions

How do I check if I am eligible for the Ayushman card?
Log in on beneficiary.nha.gov.in or the Ayushman App with your mobile OTP and search by state and Aadhaar or ration card number.
Can a senior citizen above 70 get an Ayushman card without income limit?
Yes. Everyone aged 70 or above can get the free Ayushman Vay Vandana card with Aadhaar e-KYC, whatever their income.
Is there any charge to make an Ayushman card?
No. Creating the card is free, on the app, at a CSC or at an empanelled hospital.
Does the Ayushman card need renewal?
No. The card stays valid as long as the family or person stays eligible, so there is no renewal.
What documents are needed for the Ayushman card?
Your Aadhaar card for e-KYC, and a mobile number, preferably linked to Aadhaar. A ration card or family ID may be asked to find your family in the list. For age 70 plus, your Aadhaar must show age 70 or above.
How long does it take to get the Ayushman card?
The card is usually ready within minutes to a few days after your Aadhaar e-KYC is approved. You can then download it from beneficiary.nha.gov.in or the Ayushman App.
Is the Ayushman card free to make?
Yes. Creating the card is free, whether you do it yourself, at a CSC or at an empanelled hospital. Treatment at empanelled hospitals up to ₹5 lakh per family per year is cashless. Govt License never charges for this.

Aksar pooche jaane wale sawaal

Yahi jaankari, Hinglish mein.

Ayushman card kaise banaye?
beneficiary.nha.gov.in (or Ayushman App) par apply karein. Steps: Check eligibility on beneficiary.nha.gov.in or the Ayushman App using mobile OTP; Search by state, scheme and Aadhaar, ration card or name; If your name is listed, complete Aadhaar e-KYC with OTP or face authentication; Seniors aged 70 plus can enrol directly with Aadhaar e-KYC, no income check.
Ayushman card banane mein kitna fees lagta hai?
Ayushman card creation (self, CSC or empanelled hospital): Free. Yeh fees poore India mein same hai. Official site ke alawa kisi agent ko extra paise na dein.
Ayushman card ke liye kaun se documents chahiye?
Yeh documents taiyaar rakhein: Aadhaar card (for e-KYC); Mobile number, preferably linked to Aadhaar; Ration card or family ID, if asked, to find your family in the list; For 70 plus: Aadhaar showing age 70 or above.
Ayushman card kitne din mein milta hai?
Aam taur par: Card is usually ready within minutes to a few days after Aadhaar e-KYC is approved.
Ayushman card ka application status kaise check karein?
Official link par application ya reference number daalkar status dekhein. Link upar 'After you apply' mein diye hain: Check your Ayushman card status and download the card, Ayushman Bharat PM-JAY official site. Apply karne ke baad kam se kam utna time rukein: Card is usually ready within minutes to a few days after Aadhaar e-KYC is approved.
Ayushman card ka application reject ho jaye to kya karein?
Portal par likhi wajah padhein, galat ya dhundhle document badalkar dobara apply karein. Sabse aam wajah aur unka solution upar 'After you apply' mein diye gaye hain. Jahan 'Not officially verified' likha hai wahan official site se pakka kar lein.
Bina Ayushman card ke pakde gaye to kya hoga?
Aam taur par nahi, Ayushman card na hone par seedha koi jurmana nahi hai (Ayushman Bharat PM-JAY scheme guidelines (no penalty section confirmed)). Lekin kai sarkari kaam ya faayde ke liye yeh zaroori ho sakta hai.

Sources: pib.gov.in pib.gov.in pib.gov.in pib.gov.in pib.gov.in

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