How To Use Ayushman Card Step By Step Procedure

Learn More About Ayushman Card, How To Use Ayushman Card Step By Step Procedure, Importance, Significance, And Other More Information

The Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY), also known as the Ayushman Bharat Card, is a government-sponsored health insurance scheme aimed at providing free and accessible healthcare services to low-income families in India.

Launched in 2018, this initiative represents a significant step towards achieving universal health coverage in the country. This article serves as a comprehensive guide to understanding the Ayushman Card, its importance, and the step-by-step procedure for using it.

How To Use Ayushman Card Step By Step Procedure

The Ayushman Card is a photo ID card issued to beneficiaries identified through the Socio-Economic Caste Census (SECC) data. This card entitles the holder and their eligible family members to receive cashless and inpatient medical care for a defined set of illnesses up to a specific limit at empanelled hospitals across India. The scheme aims to empower vulnerable populations by mitigating the financial burden associated with critical illnesses.

Importance and Significance

The Ayushman Bharat Card holds immense importance for low-income families in India. Here’s a breakdown of its significance:

  • Financial Security: Medical emergencies can cause significant financial strain, especially for low-income families. The Ayushman Card provides financial security by covering hospitalization costs, reducing the risk of falling into debt due to medical bills.
  • Improved Healthcare Access: The scheme encourages early diagnosis and treatment by removing the financial barrier to seeking medical care. This can lead to better health outcomes and a reduction in disease burden.
  • Empowerment: By providing access to quality healthcare, the Ayushman Card empowers individuals to take charge of their health and well-being.
  • Reduces Out-of-Pocket Expenditure: The scheme significantly reduces out-of-pocket expenditure on healthcare, freeing up resources for other essential needs.

Eligibility for the Ayushman Card

Eligibility for the Ayushman Card is determined based on socio-economic factors identified through the SECC data. Potentially qualifying groups include the following:

  • Families living in rural areas and identified as belonging to the poorest households.
  • Families listed as SC/ST in the SECC data.
  • Landless families and marginal farmers.
  • Traditional boatmen, fishworkers, and other similar occupations.
  • Street vendors and domestic workers.

How to Check Eligibility

There are two primary ways to check your eligibility for the Ayushman Card:

  1. Online Verification: Visit the official PMJAY website ( and navigate to the “Am I Eligible” section. Enter your mobile number, captcha code, and state to initiate the process. You will then be required to provide additional details like name, ration card number, or household number. The website shows your eligibility status.

  2. CSCs (Common Service Centers): You can visit your nearest CSC and provide them with your Aadhaar card or ration card details. The CSC operator can then verify your eligibility within the PMJAY database.

How to Apply for the Ayushman Card (if not already issued)

If you are eligible but haven’t received your Ayushman Card yet, you can register through the following methods:

  1. CSCs: Visit your nearest CSC with your Aadhaar card or ration card and any other documents requested by the operator. The registration procedure will be walked you through by them.
  2. Empanelled Hospitals: Some empanelled hospitals may also have designated Ayushman Mitra personnel to assist with registration.

How To Use Ayushman Card Step By Step Procedure

  1. Locate an Empanelled Hospital: It’s crucial to visit a hospital empanelled under the AB-PMJAY scheme. You can find a list of empanelled hospitals on the PMJAY website or by using the Ayushman Bharat app.

  2. Pre-Hospitalization: Carry your Ayushman Card and any valid photo ID proof (Aadhaar card, etc.) when visiting the hospital. Inform the hospital authorities about your intention to utilize the Ayushman Card benefits.

  3. Registration: The hospital will register your details and verify your eligibility using the Ayushman Card.

  4. Treatment: Based on your medical condition and doctor’s recommendation, the hospital will proceed with the treatment as per AB-PMJAY guidelines.

  5. Cashless Transaction: The hospital will directly settle the medical bills with the AB-PMJAY scheme, eliminating the need for upfront payment.

  6. Post-Hospitalization: Keep a copy of the discharge summary and bills provided by the hospital for your records.

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