How to Get Ayushman Card in 2026 | Complete Online Application Guide
The Ayushman Bharat Golden Card Apply Online, issued under the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana, is one of India’s largest healthcare initiatives. It provides free health insurance coverage of up to ₹5 lakh per family per year for secondary and tertiary hospitalization.
What is the Ayushman Bharat Card?
The Ayushman Bharat Card (also called the PM-JAY card or Golden Card) is a health insurance card that allows eligible families to receive cashless treatment at empaneled hospitals across India.
The scheme mainly benefits economically weaker sections, covering hospitalization expenses, surgeries, medicines, and diagnostics.
Who is Eligible?
Eligibility is based on data from the Socio-Economic Caste Census and government-defined deprivation categories.
In Rural Areas:
- Families without proper housing
- Landless households
- Manual laborers
- SC/ST households
In Urban Areas:
- Workers like rag pickers, domestic helpers, drivers, construction workers
You don’t need to apply separately for eligibility—if your name is in the government list, you can get the card.
Documents Required
To apply for or generate your Ayushman Bharat Card, you typically need:
- Aadhaar Card
- Ration Card
- Mobile number
- Address proof
- Family identification documents
How to Apply for Ayushman Bharat Card Online
There are two main ways to apply: online self-check + registration and through Common Service Centers (CSCs).
Method 1: Online Application via Official Portal
Step 1: Visit the Official Website
Go to the official PM-JAY portal of the National Health Authority.
Step 2: Check Your Eligibility
- Click on “Am I Eligible”
- Enter your mobile number
- Verify with OTP
- Search using:
- Name
- Ration card number
- Mobile number
If your name appears, you are eligible.
Step 3: Login to Beneficiary Portal
- Access the Beneficiary Identification System (BIS)
- Login using your mobile number and OTP
Step 4: Verify Details
- Check your family details
- Match Aadhaar or other ID proof
Step 5: Complete eKYC
- Upload Aadhaar details
- Verify via OTP or biometric authentication
Step 6: Generate Ayushman Card
- After verification, your card is approved
- Download your Ayushman Bharat Golden Card
Method 2: Apply via Common Service Center (CSC)
If you are not comfortable applying online, visit a nearby Common Service Center.
Steps:
- Visit the CSC with your documents
- The operator checks your eligibility
- Submit Aadhaar and other documents
- Biometric verification is done
- Card is generated and printed
This method is widely used in rural areas.
Method 3: Apply Through Empaneled Hospitals
You can also apply directly at hospitals listed under PM-JAY:
- Visit a nearby empaneled hospital
- Go to the Ayushman help desk
- Provide your documents
- Get verification done
- Receive your card
How to Download Ayushman Bharat Card
Once your card is approved:
- Visit the PM-JAY portal
- Login with your mobile number
- Go to “Download Card”
- Enter required details
- Download PDF or print
Benefits of Ayushman Bharat Card
- ₹5 lakh health coverage per family per year
- Cashless treatment at hospitals
- Covers pre- and post-hospitalization
- No restriction on family size or age
- Available across India
List of Covered Services
The scheme covers:
- Surgeries (cardiac, orthopedic, cancer, etc.)
- ICU care
- Medicines and diagnostics
- Hospital stay expenses
How to Check Application Status
To track your application:
- Visit the PM-JAY website
- Login with your mobile number
- Click on “Check Status”
- Enter your reference ID
Processing Time
- Instant to a few days if details are verified quickly
- CSC applications may take 2–7 days
Common Mistakes to Avoid
- Entering incorrect Aadhaar details
- Uploading unclear documents
- Not checking eligibility before applying
- Using an unregistered mobile number
Tips for Easy Approval
- Keep all documents ready
- Ensure Aadhaar is linked with mobile number
- Double-check personal details
- Use official portals only
Conclusion (Ayushman Bharat Golden Card)
The Ayushman Bharat Card is a powerful initiative that ensures healthcare access for millions of families in India. Applying for it is simple, whether online through the National Health Authority portal, via CSC centers, or at hospitals.
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