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+{{htmlmetatags>
+metatag-keywords=(apply ayushman bharat, pmjay card, ab pm-jay registration, beneficiary.nha.gov.in, ayushman card download)
+metatag-description=(Check eligibility at beneficiary.nha.gov.in (SECC 2011 list). Apply at CSC / hospital / Aapke Dwar Ayushman camp. Free Rs 5L/year/family insurance.)
+}}
+====== How to apply for Ayushman Bharat health card (PM-JAY) — 2026 ======
+<WRAP center round info 80%>
+📘 **Deep-dive guide:** [[:apply-ayushman-bharat-pmjay-card-2026|Full deep-dive — Ayushman PMJAY card: hospital refusal RTI, eligibility paths]]
+</WRAP>
+{{:social:auto:how-to-apply-ayushman-bharat.png?direct&1200 |How to apply for Ayushman Bharat health card (PM-JAY) — 2026 — RTI Wiki}}
+<WRAP info>
+**Quick answer:** Ayushman Bharat — PMJAY gives **Rs 5 lakh/year/family cashless health cover** at empanelled hospitals. **No application — beneficiaries auto-included from SECC 2011 deprivation list + Aapke Dwar drives**. Check eligibility at **beneficiary.nha.gov.in**. If eligible, get Ayushman card from CSC / empanelled hospital / Ayushman Mitra. **Free at all stages.** 30,000+ hospitals empanelled covering 1,393 medical packages. Senior citizens 70+ added Sept 2024 (regardless of income).
+</WRAP>
+===== Who can apply (eligibility) =====
+  * Family in SECC 2011 deprivation list (rural) OR occupational categories (urban)
+  * Senior citizen 70+ (added Sept 2024 — income-free)
+  * NOT eligible: Households with motorised vehicle, mechanised agri equipment, govt employees, IT taxpayers
+===== Step-by-step process =====
+  - **Check eligibility** — Visit beneficiary.nha.gov.in → search by name + state + Aadhaar / ration card. If "eligible" → proceed; if not → apply for state-supplementary scheme.
+  - **Get Ayushman card** — CSC, empanelled hospital, Ayushman Mitra desk. Bring Aadhaar + ration card + family Aadhaar list.
+  - **Aadhaar + biometric verification** — Each family member's Aadhaar verified. Photo + biometric. Each gets unique e-card.
+  - **Receive PM-JAY card (PVC + e-card)** — Issued same day. Print + digital both work. Show at any empanelled hospital.
+  - **Avail cashless treatment** — Empanelled hospital list at hospitals.pmjay.gov.in. Walk in with card + Aadhaar; hospital auto-bills NHA.
+  - **Coverage scope** — 1,393 packages: cancer, cardiology, neurology, joint replacement, dialysis, NICU, PICU, etc. 5 lakh per family per year — refresh at FY start.
+  - **Pre-existing conditions** — Covered from day 1 — no waiting period.
+  - **Senior citizen (70+) addition** — Sept 2024 — auto-eligible regardless of income. Apply via beneficiary.nha.gov.in with Aadhaar + age proof.
+===== Where to apply, fee, and timeline =====
+  * **Online portal:** [[https://beneficiary.nha.gov.in|PM-JAY Beneficiary portal]]
+  * **Offline:** CSC, empanelled hospitals, State Ayushman Mitra office, Aapke Dwar Ayushman camps. SHC (Sub-Health Centre) for senior citizen addition.
+  * **Fee:** **Free at every stage** — application, card, treatment all free under PM-JAY
+  * **Timeline:** **Card issuance: same day** at CSC/hospital · **Hospital admission: cashless on the spot**
+===== What documents to keep ready =====
+See our complete checklist: [[:documents:ayushman-bharat-card|Documents required for ayushman bharat]] — covers mandatory + optional + size/format specs.
+===== Common issues + how to handle =====
+  * **SECC 2011 list missing your name** — apply for state-supplementary scheme (CMCHIS in TN, MJPJAY in MH, RGHS in Rajasthan, ABRY in WB, etc.).
+  * **Aadhaar mismatch with SECC** — name spelling must match. Update one to match (Aadhaar correction recommended).
+  * **Hospital refusing cashless** — file complaint at NHA grievance portal: pmjay.gov.in/grievances. NHA acts within 7 days.
+  * **Card lost** — re-print free at any CSC with Aadhaar OTP.
+===== If your application is delayed or rejected — file an RTI =====
+Most "delays" or "rejections" clear within 7-15 days of an RTI being filed. Use this 5-question template:
+<code>
+. Status of my application no. _____ dated _____ as on date.
+. The name + designation of the dealing officer assigned to my file.
+. The reasons for delay beyond the statutory timeline.
+. Copy of any noting / movement of my file in the past 30 days.
+. The likely date of issuance of my certificate / approval.
+</code>
+**Auto-fill the PIO details + your case:** [[:rti-for-ayushman-bharat-claim|Open the RTI Drafter →]]
+**Or browse state-wise scheme procedures:** [[:scheme-state:ayushman-bharat:start|All state portals + RTI templates]]
+**Track your application status:** [[:check-status:ayushman-bharat-status|How to check status guide]]
+===== Frequently asked questions =====
+==== Is PM-JAY same as state schemes? ====
+No — but most states converge: PMJAY covers PMJAY-eligible families; state schemes cover the rest. E.g., MJPJAY (MH) covers PMJAY + state APL families.
+==== Senior citizen 70+ — do I need SECC eligibility? ====
+No — Sept 2024 expansion makes age 70+ auto-eligible regardless of income. Apply with just Aadhaar + age proof.
+==== Pre-existing illness covered? ====
+Yes — no waiting period. Covered from day 1 of card.
+==== Outpatient (OPD) covered? ====
+No — only inpatient (IP). OPD covered under separate Ayushman Arogya Mandir scheme (free at SHC/PHC).
+==== Hospital denying empanelled treatment? ====
+File complaint at pmjay.gov.in/grievances OR file RTI to State Health Agency. Use our [[:rti-for-ayushman-bharat-claim|Ayushman RTI generator]].
+===== Summary + what to do next =====
+<WRAP center round tip 90%>
+**Bottom line:** Apply at **PM-JAY Beneficiary portal** (https://beneficiary.nha.gov.in). Fee: **Free at every stage** — application, card, treatment all free under PM-JAY. Timeline: **Card issuance: same day** at CSC/hospital · **Hospital admission: cashless on the spot**. If delayed beyond timeline, file an RTI — most cases clear within 15 days.
+  * **Start your application:** [[https://beneficiary.nha.gov.in|PM-JAY Beneficiary portal]]
+  * **Document checklist first:** [[:documents:ayushman-bharat-card|Required documents]]
+  * **Track existing application:** [[:check-status:ayushman-bharat-status|Status check guide]]
+  * **If stuck — RTI Drafter:** [[:rti-for-ayushman-bharat-claim|File an RTI in 5 minutes]]
+  * **Talk to other citizens:** [[https://righttoinformation.wiki/tools/awaaz-rti.html|AwaazRTI community]]
+  * **Browse all how-to-apply guides:** [[:how-to-apply:start|All 25 application guides]]
+</WRAP>
+===== Related reading =====
+  * [[:check-status:start|How to check status — 25 high-traffic services]]
+  * [[:documents:start|Documents required — 30 checklists]]
+  * [[:state-rti-portals-directory|All state RTI portals]]
+  * [[:citizen-rti-playbook|Full RTI Playbook — 100+ scenarios]]
+===== Sources =====
+  * Official portal: https://beneficiary.nha.gov.in
+  * Citizen feedback collected via [[https://righttoinformation.wiki/tools/awaaz-rti.html|AwaazRTI]] (composite, identifying details removed).
+  * Statutory references: see relevant Act sections.
+//Last reviewed: 25 April 2026.//
+{{tag>how-to-apply ayushman-bharat citizen-services rti-fallback}}