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Inadequate government facilities make it impossible for low-income families to afford quality healthcare. For this purpose, the Prime Minister of India launched a government-funded healthcare scheme known as Ayushman Bharat Yojana in September 2018.


Owing to the launch of the Ayushman Bharat Yojana, a majority of eligible families across India are still quite unaware of it. To avail the benefits under Ayushman Bharat Yojana, it is necessary to understand the basics of this scheme. And we are here to help you with that.

How to Register for Ayushman Bharat Yojana?

You can register for the Ayushman Bharat Yojana on the official PMJAY website. Before registering for the Ayushman Bharat Scheme, or PMJAY Card know the eligibility criteria and understand which category you fall under - Rural or Urban. You can also learn about the documents and


certificates required for a seamless process. Why wait? Read on for the complete steps and details to apply for Ayushman Card online and avail of benefits


You can register for the Ayushman Bharat Yojana on the official PMJAY website. Before registering for the Ayushman Bharat Scheme, or PMJAY Card, it is crucial to understand its eligibility criteria and which category you fall under. You can also learn about the documents and certificates required for this process. 


This is a health insurance scheme that can offer you a substantial sum insured for surgeries, hospitalisation, and other medical perils. Hence, understanding these parameters is crucial. Doing so can ensure a seamless and hurdle-free registration for the Ayushman Bharat Pradhan Mantri Jan Aarogya Yojana. 

What is Ayushman Bharat Pradhan Mantri Jan Aarogya Yojana?

Ayushman Bharat Yojana is a healthcare initiative taken by the Indian Government to support the wellbeing of the citizens of this country. It comprises two major health initiatives: Health and Wellness Centre (HWC) and Pradhan Mantri Jan Arogya Yojana (PMJAY).


Under the PMJAY scheme, over 10 crore families are covered with health insurance of ₹5 Lakhs. The scheme promises cashless treatment at public hospitals as well as empanelled private hospitals. Moreover, expensive surgeries like knee replacements, coronary bypass, and others are also covered. The prime benefit of the PMJAY scheme is to provide financial protection during unforeseen events.

Features of the Ayushman Bharat Scheme

Ayushman Bharat Yojana Eligibility - How to Access Health Care under PMJAY?

How to Check Ayushman Bharat Yojana Eligibility Online on the PMJAY Website

If you’re unsure of whether you’re eligible to apply online for an Ayushman card registration, you can do a quick check to find out. The steps that you would have to follow for the same are outlined below. 


  • Step 1: Visit the PMJAY official website

  • Step 2: Click on the PMJAY ‘Am I Eligible’ option present near the search bar

  • Step 3: Enter your mobile number and generate an OTP

  • Step 4: Enter the generated OTP in the respective field to log in

  • Step 5: Select your state of residence

  • Step 6: You can choose to either search by name or by HouseHold (HHD) Number

  • Step 7: Fulfil all the required fields and click on ‘Search’

  • Step 8: Look for your name in the list displayed on your screen

If you find that you’re eligible for the PMJAY Card, you can proceed to the Ayushman Bharat registration and application process. However, in case you are not eligible, you may choose to explore other affordable health insurance plans on the market to safeguard yourself and your family in case of medical emergencies.

How to Check Your PMJAY Card Eligibility Offline?

You can get to know if you’re eligible to apply for this scheme by calling any one of the following toll-free numbers - 14555 or 1800-111-565. Once you’ve ascertained your Ayushman Bharat registration eligibility, you can proceed to register yourself and your family members. 

Eligibility Criteria for Ayushman Bharat in Urban and Rural Sector

Given below are the applicant categories and the eligibility criteria for Ayushman Bharat in the urban and rural sectors.

Ayushman Bharat Card Eligibility Criteria in the Rural Sector

  • Bonded labourers

  • Scheduled Caste and Scheduled Tribes

  • Landless households

  • Manual scavengers

  • Households with no male between 16 years and 59 years of age

  • Families with no one between 16 years and 59 years of age

  • Households with at least one physically challenged member and no healthy adult

Ayushman Bharat Card Eligibility Criteria in the Urban Sector

  • Ragpickers

  • Washerman

  • Chowkidars

  • Sanitation workers, gardeners, and sweepers

  • Home-based artisans and handicraft workers

  • Tailors

  • Mechanics, electricians, and repair workers

  • Domestic help

  • Plumbers, masons, construction workers, porters, welders, painters, and security guards

  • Assistants, peons of a small organisation, delivery men, shopkeepers, and waiters

  • Transport workers such as drivers, conductors, helpers, cart, or rickshaw pullers

  • Cobblers, hawkers, and people providing services by working on streets or pavements

How to Apply for PMJAY Card?

You can quickly complete the Ayushman card online registration by following the steps mentioned below. 


  • Step 1: Visit the PMJAY official website and complete the eligibility check 

  • Step 2: If you’re eligible, your name will be displayed on the right side of the webpage

  • Step 3: Proceed with the Ayushman card registration online by filling up the application form

  • Step 4: You will be asked to attach scanned copies of supporting documents 

  • Step 5: Submit the form along with the attached documents

  • Step 6: Your application will be processed by the relevant authorities

  • Step 7: Once your application is approved, an online Ayushman card will be issued to you in the form of a PDF, which you can download

Documents Required for Ayushman Bharat Registration

Submission of essential documents plays a vital role. Providing all the necessary paperwork quickens the procedure. Here’s a closer look at all the required documents for availing the Ayushman Bharat Yojana. You need to keep the below-mentioned documents ready to complete your Ayushman Bharat registration online. 


  • Identity proof and age proof

  • Income certificate

  • Caste certificate

  • Contact details such as phone number, address, email ID, etc.

  • Documents stating your family’s current status

Note: When you apply online for an Ayushman card, remember to double-check all of the details to ensure that they’re accurate. Providing incorrect information can lead to problems in the future.

Certificates Required for PMJAY Registration

One must submit two different certificates while opting for the Ayushman Bharat Yojana. The required certificates are as follows.


  • Income certificate

  • Caste certificate

  • Family structure

When you apply online for the PM Jan Arogya Yojana (PMJAY), you must specify your family structure. For instance, you must mention whether you’re part of a nuclear family or a joint family.

How to Check Your Name in PMJAY Scheme List?

There are three methods to check if your name is mentioned in the PMJAY scheme list, here’s a quick overview of each one. 

1. Online Method

To check if your name is present in the PMJAY scheme list online, you can visit the official website and check your eligibility.

2. Through Common Service Centre (CSC)

You can also visit the nearest CSC or an empanelled hospital to know if you are eligible under the Ayushman Bharat Yojana.

Know more about the pmjay hospital list

3. Use Helpline Number

Another method to check Ayushman Bharat eligibility is by simply contacting the helpline number 14555 or 1800-111-565.

How to Download the Ayushman Bharat Card Online?

Follow the below steps to successfully complete the Ayushman Bharat card online application process and to download it.


  • Step 1: Go to the official PMJAY website

  • Step 2: Log in with your registered phone number

  • Step 3: Enter the captcha code and generate the OTP (one-time password)

  • Step 4: Opt for the Household ID number (HHD) code

  • Step 5: Provide the accurate HHD code to the PMJAY Common Service Centre (CSC)

  • Step 6: The CSC will check and verify the information provided

  • Step 7: The PMJAY CSC representative will complete the remaining process

  • Step 8: Pay ₹30 to get the Ayushman Bharat card

Ayushman Bharat Card Benefits

With the Ayushman Bharat card by your side, you get to enjoy several benefits. Here’s a quick look at a few of the key ones. 


  • Coverage of up to ₹5 Lakhs per family per year

  • Cashless hospitalisation

  • Covers both pre-hospitalisation and post-hospitalisation expenses 

  • Covers complications that arise during the course of the treatment or post surgery

  • Covers pre-existing conditions and diseases right away with no waiting period

  • Benefits are applicable for all the members of a family 

  • No caps on the size of the family or the age of the family members

Private Health Insurance vs Government Health Schemes

Since the Ayushman Bharat Yojana is a scheme for the poor, the benefits that it offers may not match up to a private health insurance plan. In fact, there are plenty of differences between the Yojana and a typical private health insurance plan. Check out the table below for more information. 


Private Health Insurance

Ayushman Bharat Yojana

Sum insured

Up to a maximum of ₹2 Crores

Up to a maximum of ₹5 Lakhs

Health check-ups

Free periodic health check-ups 

No free health check-ups

Pre-hospitalisation and post-hospitalisation coverage

Pre-hospitalisation coverage up to 60 days and post-hospitalisation coverage up to 180 days

Pre-hospitalisation coverage up to 3 days and post-hospitalisation coverage up to 15 days

Critical illness coverage

Covers over 20 critical illnesses

Covers only 9 specified critical illnesses

OPD expenses and home treatment 

Provides coverage for OPD expenses and home treatment

No OPD expenses or home treatments are covered


Premiums tend to be very nominal

Premiums are paid by the government on your behalf

No-claim Bonus (NCB)

For every claim-free year, you get NCB 

NCB benefits are not available

Tax benefits

Health insurance premiums can be claimed as deductions under section 80D

Tax benefits are not available

Health Insurance Plans Available at Bajaj Markets

Frequently Asked Questions About Ayushman Bharat Registration

What is the enrollment process? Is there any time limit on the enrollment?

The PMJAY scheme is an entitlement based health insurance plan. There are no specific procedures for enrollment. Households that are identified under the PMJAY scheme are based on deprivation and occupational criteria. It utilises the socio-economic and caste census data (for rural and urban) to determine the beneficiaries.

What are the benefits of PMJAY Scheme?

Ayushman Bharat Yojana benefits include health insurance coverage of up to ₹5 Lakhs per family, annually. Here, all the pre-existing illnesses are covered without any waiting period.

What health services are covered under PMJAY?

You can access health services like hospitalisation, daycare surgeries, follow-up care, and newborn childcare services under the PMJAY scheme. A detailed list of the services under the Ayushman Bharat Yojana is available on the official website.

Will I have to pay anything to be covered under this scheme?

No. All the individuals who are eligible for the PMJAY Scheme can claim the benefits offered under the scheme, including cashless health services, without having to make any payment.

If I am listed as a beneficiary, and I need to be hospitalised, what documents do I need to bring to the hospital?

At the time of hospitalisation, you need to carry a ration card or any other government recognised photo identity document like an Aadhaar Card.

How does the Claim Submission process work under Ayushman Bharat Yojana?

After you get a discharge from the hospital, the claim submission process is initiated. You have to raise a request on the online portal with your treatment summary and all the necessary documents. The hospital will then submit the requested documents within 24 hours of your discharge.

What happens if I fall sick during my travel or when I am out of my district or state?

PMJAY benefits are applicable across the country. You can access their services by simply calling toll-free helpline number 14555.

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