Ayushman Bharat Eligibility & Fraud Guide — Verify Card, Block Misuse (2026)

Ayushman Bharat — Pradhan Mantri Jan Arogya Yojana (PM-JAY) — is India's publicly-funded health insurance scheme, offering ₹5 lakh per family per year. Two common scams ride on top of it: agents charging “card-issuing fees” for what is always free, and empanelled hospitals running phantom admissions or inflated bills against your card without your knowledge. This page explains how to verify eligibility, spot misuse, and escalate.

To verify Ayushman Bharat eligibility and check for misuse: (1) check eligibility at beneficiary.nha.gov.in (PM-JAY) using mobile / Aadhaar / ration card, (2) download the Ayushman App to view all transactions logged against your card, (3) call 14555 (NHA helpline) for any discrepancy, (4) report fake card-issuance agents and hospital fraud at pmjay.gov.in under “Anti-Fraud Cell” or via the State Health Agency, (5) for refused empanelled-hospital service, escalate within 24 hours to the District Implementation Unit (DIU) and State Health Agency. The card and treatment are always free under PM-JAY.

• What Ayushman Bharat covers
• Check eligibility in 60 seconds
• Get the card — the only legitimate routes
• Spot a fake-card scam
• Detect hospital misuse against your card
• 30-minute drill if a hospital denies cashless
• What not to do
• Sample written complaint
• Can compensation be claimed?
• FAQ

• ₹5 lakh per family per year, top-up over base policies
• No cap on family size under PM-JAY (since 2018)
• Pre-existing conditions covered from day one
• 3-day pre-hospitalisation + 15-day post-hospitalisation expenses included
• 1,949 procedures under empanelled rates across 27 specialties (cardiology, oncology, transplants, ICU, etc.)
• A large network of public and private empanelled hospitals across India — search the live list at hospitals.pmjay.gov.in
• Senior citizens — Ayushman Vay Vandana (70+ extension, 2024) covers all citizens aged 70+ regardless of family income
• Portability — card valid in any empanelled hospital across states

The 70+ extension (Ayushman Vay Vandana) is the most under-claimed expansion of 2024-25; many senior citizens haven't yet activated their universal cover.

1. PM-JAY beneficiary portal — beneficiary.nha.gov.in
   • Login → State + scheme → Search by mobile / Aadhaar / ration card / name
   • Result: eligibility status + family member list
2. Ayushman App (Play Store / App Store — published by National Health Authority)
   • Aadhaar OTP login
   • View card / family members / utilisation history
3. 70+ Vay Vandana eligibility — separate enrolment for senior citizens regardless of socio-economic category
4. Helpline — 14555 (toll-free, 24×7)
5. Common Service Centre (CSC) — every CSC offers free PM-JAY enrolment

If the result says “Not eligible” but you believe you should be, file a grievance at NHA or visit a CSC for re-verification.

• Ayushman App — Aadhaar-based eKYC; instant download
• CSC (Common Service Centre) — free physical enrolment with biometric KYC
• Empanelled hospital's Ayushman Mitra desk — kiosk at every empanelled hospital
• State health camps during Ayushman Pakhwada / Aapke Dwar Ayushman drives
• District Implementation Unit (DIU) — for grievances or special cases

Cost: ₹0. Anyone charging is committing fraud.

Citizen tip — If anyone asks for money to issue an Ayushman Bharat card, report them at 14555 and to the State Health Agency. The fraud is sometimes layered with KYC harvesting (your Aadhaar and biometrics get scraped).

A growing problem: empanelled hospitals book phantom admissions or inflated treatments against your Ayushman ID without your knowledge. The misuse appears as:

• Treatment in your name on a date you weren't admitted
• Procedures billed that you never received
• Family member's admission you weren't told about
• Repeated admissions consuming your annual ₹5 lakh limit

1. Open the Ayushman App → Utilisation history
2. Cross-check every entry against family events
3. For any entry you don't recognise, note: date, hospital, procedure code, claim amount
4. Call 14555 with the entries
5. Email the State Health Agency (each state's SHA has its own grievance email)
6. The NHA's National Anti-Fraud Unit investigates and can de-empanel hospitals and recover funds

If an empanelled hospital refuses to admit you under Ayushman:

1. Verify hospital empanelment — search at hospitals.pmjay.gov.in
2. Demand written denial with reason
3. Call 14555 from the hospital reception
4. Email the State Health Agency (find at pmjay.gov.in → Implementation → State SHAs)
5. Approach the District Implementation Unit (DIU) — 24-hour SLA
6. NHRC — for life-critical refusal (Article 21 + right to health)
7. Local Health & Family Welfare officer
8. If life-critical and stalled — admit, pay, and claim reimbursement; PM-JAY rules allow post-facto reimbursement in genuine emergencies

• Do not pay any “fee” or “donation” for an Ayushman card.
• Do not share your Aadhaar OTP with a “card-camp agent” — this enables silent identity SIMs and loan fraud.
• Do not sign blank consent forms at hospital admission — read them; some are pre-printed to authorise broader procedures than needed.
• Do not ignore the utilisation history — your annual ₹5 lakh limit can be silently exhausted by hospital fraud.
• Do not assume an empanelled hospital can charge you a “small extra” — empanelment means zero out-of-pocket for covered procedures.

To,
The Chief Executive Officer,
[State Health Agency]
Cc: National Anti-Fraud Unit, NHA ([email protected])
    14555 helpline reference

Subject: Ayushman Bharat (PM-JAY) [card-fraud / hospital-misuse /
service-denial] — Card No. ___ — request for investigation

Sir / Madam,

I, [Full name], holder of Ayushman Bharat / PM-JAY card no. [___],
report the following:

[Choose A / B / C]

A) Card-fraud — [agent name / camp organiser] charged me ₹[amount]
   for what should have been free issuance, on [date / location].
   Receipt / WhatsApp screenshots attached.

B) Hospital misuse — utilisation history on the Ayushman App shows
   the following entries I do not recognise:
     [Date] [Hospital] [Procedure] [Amount]
   I was not admitted nor treated as recorded.

C) Service denial — [Hospital name], an empanelled facility, refused
   cashless admission on [date] citing [reason], compelling me to
   [pay out-of-pocket / be discharged without treatment].

I have already (a) called 14555 (Reference: ___), (b) emailed [SHA]
(Reference: ___), (c) [filed FIR / cybercrime.gov.in if money-fraud
involved].

Reliefs:
  1. Investigation under NHA Anti-Fraud Framework
  2. De-empanelment of the hospital (if hospital fraud)
  3. Refund of any out-of-pocket paid
  4. Action against fraudulent agent / camp under BNS, 2023 §318
     (cheating) + §319 (cheating by personation) + IT Act §66D
  5. Written reply within 30 days

Yours faithfully,
[Signature, Name, Date]
[Phone, Email, Aadhaar last 4]

• Refund of out-of-pocket — for service denial at empanelled hospital
• Recovery of fraudulent agent fees — via bank dispute (RBI framework if paid via UPI / card) and the banking ombudsman under RB-IOS 2026
• Anti-fraud penalties — NHA can impose fines on hospitals and de-empanel; portion may flow back to victims through the state SHA
• Consumer Forum — for hospital deficiency (file at e-jagriti.gov.in)
• NHRC — for systemic right-to-health denial
• Civil suit + criminal prosecution of fraudsters

1. 0–5 min — Verify card / eligibility on PM-JAY portal + Ayushman App
2. 5–15 min — Audit utilisation history; flag unknown entries
3. 15–25 min — Call 14555; email State Health Agency + Anti-Fraud Cell
4. 25–30 min — If service denied: approach DIU + State Health Minister
5. +24 h — Written complaint to SHA; FIR if fraud
6. +30 days — NHA investigation outcome

• Health insurance claim delay rights
• Insurance claim rejection recovery
• Fake insurance policy scam
• Medicine overpricing complaint
• Ambulance overcharging rights
• Medical test lab fraud
• Fake charity medical fundraising scam
• Senior citizen protection guide

• National Health Authority (NHA) — nha.gov.in · Helpline 14555
• PM-JAY beneficiary portal — beneficiary.nha.gov.in
• Ayushman App — Play Store / App Store, NHA-published
• Empanelled hospitals search — hospitals.pmjay.gov.in
• Ayushman Bharat Digital Mission (ABDM) — abdm.gov.in; create your ABHA number (Health ID) at healthid.ndhm.gov.in
• Health Facility Registry — facility.abdm.gov.in
• State Health Agencies (SHA) — list at pmjay.gov.in → Implementation
• NHA Anti-Fraud Unit — [email protected]
• MoHFW — mohfw.gov.in
• NHRC — nhrc.nic.in
• BNS, 2023 §318 (cheating), §319 (cheating by personation), §336–§338
• IT Act 2000 §66C, §66D

Yes — both the card and empanelled treatment are free at the point of service. Anyone charging a fee is committing fraud.

Yes — the scheme is portable across India in any empanelled hospital.

PM-JAY eligibility is based on the SECC-2011 database. If you believe you qualify but aren't listed, file a grievance at NHA or visit a CSC for re-verification. The 70+ Vay Vandana extension (2024) separately covers all senior citizens aged 70+ regardless of income.

Yes, via the Ayushman App or at a CSC; no fee.

The NHA's central enforcement wing that investigates hospital and agent fraud, de-empanels hospitals, and recovers funds.

The card is not the entitlement — it's a representation. Re-download via the Ayushman App with Aadhaar OTP, or visit any CSC or empanelled hospital's Mitra desk.

Generally yes — Ayushman is the “last-resort” cover. State schemes and employer schemes apply first; Ayushman tops up.

Yes — IPD mental-health treatment is part of the procedure list (post-2018 mental health parity).

NHA shares data only with the empanelled hospital for the relevant claim. The DPDP Act, 2023 and ABDM rules govern broader data handling.

No — IT downtime is an internal issue. The hospital must admit and submit the claim retrospectively. Document the refusal.

Last reviewed: 17 July 2026.