Looking for Ayushman Bharat (PM-JAY) eligibility, documents, card application, hospital access and grievance information? This guide brings the key official details together in one place.
Last Verified: 27 August 2026
Source: Official National Health Authority / Government of India
Applicable State: India; state implementation may vary
Service Type: Online + CSC + Empanelled Hospital
Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)
Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) provides cashless health-cover benefits for eligible beneficiaries at empanelled hospitals. The standard cover is up to ₹5 lakh per family per year. Since 2024, all Indian citizens aged 70 years or above are also eligible irrespective of income. The National Health Authority (NHA) manages the scheme nationally, with State Health Agencies implementing it at state level.
Eligibility Criteria
| Eligibility Requirement | Details |
|---|---|
| General PM-JAY | Eligibility is based on the government’s beneficiary database; check your name/status officially |
| Age | No age restriction for members of eligible PM-JAY families |
| Senior Citizens | All Indian citizens aged 70+ are eligible irrespective of income |
| Other Conditions | State-specific beneficiary databases/additional coverage may apply |
Documents Required
| Document | Required / Optional | Purpose/Notes |
|---|---|---|
| Aadhaar | Required for 70+ enrolment | Mandatory Aadhaar e-KYC for senior citizens |
| Government ID | Conditional | Alternative ID may be accepted for beneficiary identification |
| Ration Card/Family ID | Conditional | Used for family/beneficiary identification |
Application Fee & Processing Time
| Application Type / Category | Application Fee | Processing Time |
|---|---|---|
| Ayushman Card | No fee for eligible beneficiaries | Not clearly specified on the official source |
| 70+ enrolment | No fee for eligible beneficiaries | Card/enrolment can be completed through the official beneficiary system |
Important Links
| Purpose | Official Link |
|---|---|
| Official PM-JAY Portal | National Health Authority – PM-JAY |
| Check Eligibility / Beneficiary Portal | PM-JAY Beneficiary Portal |
| Ayushman Card / 70+ Enrolment | PM-JAY Beneficiary Portal |
| Grievance | PM-JAY Grievance System |
| Helpline | 14555 |
How to Apply — Step by Step
- Check your eligibility through the official beneficiary portal or CSC/empanelled hospital.
- Complete beneficiary identification and required e-KYC.
- Submit the required identity/family documents.
- After verification, obtain/download the Ayushman Card.
- Visit an empanelled hospital and show the card/beneficiary identification for cashless treatment.
How to Track Application
Use the official beneficiary portal to check enrolment/card status. For assistance with verification or a missing record, contact 14555 or visit a CSC/empanelled hospital.
Need Help?
If an eligible person is denied an Ayushman Card, charged for card printing/treatment, or denied entitled treatment, lodge a grievance through the official CGRMS portal or call 14555. A grievance number is generated for tracking.