Ayushman Bharat (PM-JAY) — Rs 5 lakh/year health cover free (2026)

• SECC 2011 deprivation list (rural) OR occupational categories (urban)
• Senior 70+ — auto-eligible since September 2024 (any income)
• Aadhaar + ration card or occupational ID
• NOT eligible if all family members in formal sector with private insurance

Rs 5 lakh per family per year at 30,000+ empanelled hospitals. Coverage: 1,393 packages including cancer, cardiology, neurology, joint replacement, dialysis, NICU/PICU. No waiting period for pre-existing conditions. Cashless and paperless.

1. Verify eligibility at beneficiary.nha.gov.in — Search by name + state + Aadhaar / ration card.
2. Get Ayushman card — CSC, empanelled hospital, or Ayushman Mitra desk.
3. Aadhaar verification + photo + biometric — Each family member separately.
4. PVC or e-card issued same-day — Carry to any empanelled hospital for cashless treatment.
5. Walk in to empanelled hospital — Show card + Aadhaar; hospital auto-bills NHA.
6. Treatment cashless — No upfront payment; NHA reimburses hospital.

• Aadhaar
• Ration card / SECC 2011 ID
• Age proof (for 70+ extension)

Full document checklist: Documents required for ayushman bharat card

Card issuance: same-day. Cashless treatment: on-the-spot at empanelled hospitals.

• Official portal: beneficiary.nha.gov.in
• Helpline: PMJAY: 14555 / 1800-111-565
• Track status: How to check status
• Step-by-step apply guide: How-to-apply walkthrough

• SECC 2011 list missing your name — apply for state-supplementary scheme (CMCHIS, MJPJAY, ABRY etc.).
• Aadhaar mismatch with SECC — name spelling differs; update Aadhaar.
• Hospital not empanelled — use list at hospitals.pmjay.gov.in.
• Cashless denied at empanelled hospital — file complaint at pmjay.gov.in/grievances.

Most “delays” or “rejections” clear within 7-15 days of an RTI being filed. Use this 5-question template:

1. Status of my application no. _____ dated _____ as on date.
2. Name + designation of dealing officer assigned to my file.
3. Reasons for delay beyond the statutory timeline.
4. Copy of any noting / movement of my file in the past 30 days.
5. Likely date of disbursement / decision.

Auto-fill the PIO + your case: Open the AI RTI Drafter →

More schemes for you: All senior citizens schemes

Yes — September 2024 expansion. Apply with just Aadhaar + age proof.

Yes — no waiting period. Covered from day 1.

Yes — pan-India empanelled hospitals. Cashless treatment everywhere.

No — only in-patient. OPD covered separately under Ayushman Arogya Mandir at PHC/SHC.

• All 150 Sarkari Yojanas
• 25 status-check guides
• 30 documents-required checklists
• 25 how-to-apply guides
• 16 rejection-recovery guides
• 10 audience-hub schemes
• 32 helplines + grievance routes
• Full RTI Playbook

• Official portal: beneficiary.nha.gov.in
• Issued by: Ministry of Health & Family Welfare / National Health Authority
• Launched: 2018
• Citizen feedback via %%AwaazRTI%% (composite, identifying details removed)

Last reviewed: 26 April 2026.