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Anishka Bhadly
Anishka Bhadly is a content writer with a finance and business background. She has completed her bachelor's degree with a specialisation in finance and is currently pursuing an MBA in the finance field too. The knowledge she has gained from her studies and experience working with EdTech companies helped her combine theoretical knowledge with practical industry insight. Her expertise lies in creating well-researched, informative, and reader-friendly content in various banking, personal finance, loans, insurance, and investment-related topics.
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The Ayushman Card is a government-certified document that is used to avail cashless treatment benefits under the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana. Using the Ayushman Card, eligible cardholders can receive various benefits, which include getting treatment under the available government and private hospitals in India. The only important thing is that the applicant must meet the eligibility criteria to complete the application process successfully. Here, we are going to talk about the registration process along with Ayushman Card’s benefits and eligibility criteria.
Applying for an Ayushman Card poses no problem if you are eligible. Knowing the exact steps and documents you need saves you from the trouble of extra formalities. Here is how you can apply for an Ayushman Card through a mobile app:
Disclaimer: If you are using the Face Auth option for authentication, you need to download the “AadhaarFaceRD” app first.
The Ayushman card has multiple benefits that make health care easily accessible to eligible families. Here is a brief description of the benefits of the Ayushman scheme to help you understand how it can help you with medical and hospital expenses.
Pre-existing Conditions
All the pre-existing diseases are covered in the scheme from day one.
Package Inclusion
It covers a range of hospitalisation and treatments, including diagnostic tests and surgeries approved under the scheme.
Having an insight into the key features of an Ayushman card helps one get a clear picture of its numerous benefits. It provides a wide range of benefits such as giving eligible families access to the best healthcare services while also giving financial assistance with medical costs.
The eligibility criteria for an Ayushman Card depend on the government-defined criteria. The criteria are different for people living in urban and rural areas under the Ayushman Bharat Scheme.
*T&C Apply
It is important to check your eligibility before applying for the Ayushman Card to avoid any interruptions and keep the application process faster to access maximum healthcare benefits under the scheme.
The Ayushman Card enables eligible family members to avail cashless treatments at the empanelled hospitals, thus cutting down their medical bills substantially. The beneficiaries get to choose from the list of services provided under the scheme to claim the cashless treatment after completing the verification process. To enjoy the benefits of the scheme, it is essential that the cardholders update their documents on time. The Ayushman card is a lifesaver scheme that provides financial assistance in times of medical emergencies.
The Ayushman Bharat Card scheme does not include services that are not mentioned under the official PM-JAY package list. You can check the complete list from the official website.
MRI is covered under the applicable PM-JAY package/scheme based on the treatment needs, and it is not a stand-alone procedure. The beneficiaries are requested to check the applicable package/scheme and coverage at the empaneled hospitals.
Does the Ayushman Card work at all private hospitals in India?
The Ayushman Card is accepted at numerous private hospitals throughout the country, but only those that are part of the PM-JAY empaneled network provide treatment under the scheme.
The Ayushman Bharat scheme provides health coverage of up to ₹5,00,000 per eligible family each year. This financial cover applies to secondary and tertiary care hospitalisations, as long as the treatments fall within the predefined and approved medical packages.
One key limitation is that only families identified as eligible under the government’s criteria can access the benefits. Additionally, the coverage is restricted to specific treatments and is valid only at hospitals enrolled in the PM-JAY scheme.
The PM-JAY covers eligible family members as per the guidelines of the applicable schemes. In addition to that, all senior citizens aged 70 years and above are eligible for coverage under the scheme irrespective of their income and social status. The eligible 70+ beneficiaries can avail benefits of up to ₹5,00,000 per year under the PM-JAY.
Eligible beneficiaries can complete the Ayushman Card enrolment/e-KYC process through the Ayushman app or other authorised channels, subject to the applicable scheme rules.
If you are a housewife, you can receive Ayushman Card benefits if your family is eligible as per the PM-JAY list on the official website.
As per the official notice, the Ayushman Card covers only ₹5,00,000 worth of medical bills and expenses, and only for eligible families.
The eligibility for PM-JAY is not universal. However, all citizens who have reached the age of 70 are eligible regardless of their financial status and social affiliation, following the scheme guidelines. On the other hand, individuals belonging to other beneficiary groups should correspond to the eligibility criteria.
