Quick Reply: If a hospital has refused you cashless treatment, go straight to the denial guides — refusal by an empanelled hospital is itself actionable.
Direct answer. Three things get confused and are worth separating. PM-JAY is the health cover. The Ayushman card is how you prove entitlement to it. ABHA is a digital health ID and is not health cover at all. Most problems readers bring here are refusals at the hospital counter, which the guides below treat as a records-and-escalation problem.
An empanelled hospital refusing cashless treatment is not the end of the matter, and the paperwork trail is what decides it.
If a department has the record you need and will not hand it over, an RTI application is the route that forces the question. Start with the RTI application format, and if the reply does not come or does not answer, the first appeal is the next step.