Ayushman Bharat PM-JAY: Complete Guide to
Registration, Eligibility & Benefits
Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) is the world’s largest government-funded health insurance scheme, providing ₹5 lakh per family per year for secondary and tertiary hospitalization. Launched in 2018, it aims to cover over 50 crore beneficiaries from economically vulnerable families.
In
this ultimate guide, we’ll cover:
✅ Eligibility
criteria (who
can apply?)
✅ Step-by-step
registration process (online
& offline)
✅ How
to download an e-card?
✅ List
of covered treatments & hospitals
✅ Helpline
& grievance redressal
📌 Who is Eligible for Ayushman Bharat
PM-JAY?
🔹 Rural Beneficiaries
- Families
with no adult member (16-59 years)
- SC/ST
households
- Landless
families dependent on manual labor
- Households
living in one-room kutcha houses
🔹 Urban Beneficiaries
- Informal
sector workers (street
vendors, ragpickers, domestic help)
- Construction
workers, sanitation staff, rickshaw pullers
- Other
vulnerable occupations (cobblers,
porters, etc.)
✅ How to Check Eligibility?
- Visit https://www.india.gov.in/ayushman-bharat-pradhan-mantri-jan-arogya-yojana
- Enter Aadhaar/mobile
number/ration card details
- If
eligible, your name will appear in the database
(Pro
Tip: You can also check via the PMJAY app or Common
Service Centres (CSC) near you.)
📝 Step-by-Step Registration Process
(2024)
🔹 Option 1: Online Registration (For
E-Card)
- Go
to https://abha.abdm.gov.in/abha/v3/register
- Enter Aadhaar/mobile
number
- Verify
details & download the e-card
(Note:
Some states require offline verification for the physical card.)
🔹 Option 2: Offline Registration
(Golden Card)
- Visit
nearest CSC or empaneled hospital
- Carry
documents:
- Aadhaar
card (mandatory)
- Ration
card (if available)
- Mobile
number linked with Aadhaar
- Complete
biometric verification
- Receive
Ayushman Bharat Golden Card
*(Processing
Time: Usually within 7-10 days)*
🏥 How to Avail Cashless Treatment?
- Find
an empaneled hospital at https://hospitals.pmjay.gov.in
- Carry:
- Golden
Card / e-card
- Aadhaar
card (for biometric verification)
- Admission & treatment are
100% cashless
(⚠️
Important: Always confirm hospital empanelment before admission!)
📋 List of Covered Treatments (1,574
Procedures)
✅ Cancer treatment (Chemotherapy,
surgery)
✅ Heart
surgeries (Bypass,
stents)
✅ Neurological
disorders (Stroke,
Parkinson’s)
✅ Organ
transplants (Kidney,
liver)
✅ Orthopedic
surgeries (Joint
replacements)
(Full
list: https://pmjay.gov.in/sites/default/files/2019-04/PMJAY-Packages-2019.pdf)
📞 Helpline & Grievance Redressal
- Toll-Free
Number: 1800-11-4477
- Email: abdm@nha.gov.in
- Grievance
Portal: https://grievance.abdm.gov.in/grievance/v3/
(Got
rejected despite eligibility? File a grievance via the portal!)
🔎 Frequently Asked Questions (FAQs)
❓ Can I use PM-JAY in any state?
Yes,
but cashless treatment is available only in empaneled hospitals.
❓ Is there any age limit?
No!
All family members (newborns to seniors) are covered.
❓ What if I lose my Golden Card?
You
can reprint it at CSC or download the e-card online.
Ayushman Bharat PM-JAY is a lifesaving scheme for India’s underprivileged families. If eligible, register now and secure free healthcare benefits worth ₹5 lakh per year!
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