🏥 Health · National Health Authority
Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (Ayushman Card / PM-JAY)
Free hospital treatment for poor families and all seniors aged 70+.
What you get
Free treatment up to ₹5 lakh per family per year
🔗 Direct official links
These open the government website in a new tab. Applying there is free; never pay anyone for a form.
✅ Benefits
- Cashless treatment up to ₹5 lakh per family per year at empanelled government and private hospitals.
- Covers hospital stay, surgery, medicines and tests, including 3 days before and 15 days after admission.
- All senior citizens aged 70 and above get cover regardless of income (Ayushman Vay Vandana card), with an extra ₹5 lakh if their family is already covered.
👤 Who can apply
- Families listed under the SECC 2011 deprivation criteria, and families added by your state's own scheme.
- All citizens aged 70 and above, whatever their income.
- Check your name with Aadhaar or ration card on the official beneficiary portal.
📄 Documents needed
- Aadhaar card
- Ration card or family ID (for family eligibility)
- Mobile number linked with Aadhaar
📝 How to apply
- Check eligibility on beneficiary.nha.gov.in or the Ayushman app using Aadhaar.
- Make your Ayushman card on the app, at a CSC or at an empanelled hospital (Aadhaar e-KYC).
- At the hospital, go to the Ayushman / Arogya Mitra desk with the card or Aadhaar; treatment is cashless.
Benefits in detail
- Cashless treatment up to ₹5 lakh per family per year at empanelled government and private hospitals.
- Covers hospital stay, surgery, medicines and tests, including 3 days before and 15 days after admission.
- All senior citizens aged 70 and above get cover regardless of income (Ayushman Vay Vandana card), with an extra ₹5 lakh if their family is already covered.
- Works in any empanelled hospital across India.
Who can apply
- Families listed under the SECC 2011 deprivation criteria, and families added by your state's own scheme.
- All citizens aged 70 and above, whatever their income.
- Check your name with Aadhaar or ration card on the official beneficiary portal.
Documents needed
- Aadhaar card
- Ration card or family ID (for family eligibility)
- Mobile number linked with Aadhaar
How to apply, step by step
- Check eligibility on beneficiary.nha.gov.in or the Ayushman app using Aadhaar.
- Make your Ayushman card on the app, at a CSC or at an empanelled hospital (Aadhaar e-KYC).
- At the hospital, go to the Ayushman / Arogya Mitra desk with the card or Aadhaar; treatment is cashless.
Frequently asked questions
Do I have to pay anything at the hospital?+
No, covered treatment is cashless. If a hospital asks for money for a covered treatment, complain on 14555.
My parents are over 70. Do they need to be poor to apply?+
No. Every citizen aged 70 or more can get the Ayushman Vay Vandana card, whatever the family income.
Last checked against the official website: 26 Sept 2026
Amounts and rules can change. The official website is always final. YojanaHelper is an independent guide, not a government website.
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