India’s Largest Free Healthcare Scheme — Are You Covered?
Ayushman Bharat, also known as PM-JAY (Pradhan Mantri Jan Arogya Yojana), is the government’s flagship health insurance scheme for economically vulnerable families.
If you’re eligible, you can receive ₹5 lakh worth of hospital treatment every year — completely cashless — across 25,000+ hospitals in India.
But many people don’t even know they’re covered. This guide will help you check your name, download your Golden Card, and use your benefit confidently.
What Does Ayushman Bharat Cover?
- Free hospitalisation up to ₹5,00,000 per family per year
- 1,500+ medical procedures including surgeries, ICU care, chemotherapy, maternity, and dialysis
- Covers both public and private hospitals
- No paperwork, no premium, no age limit
- Zero cost for eligible families
Who Is Eligible in 2025?
You are eligible if your name appears under any of these categories:
- Listed in SECC 2011 rural database (e.g., landless labourers, BPL families)
- NFSA Ration Card holder (under the Food Security Act)
- Belong to a vulnerable group: SC/ST, kutcha house, no adult earning member
- Covered under state schemes like Chiranjeevi Yojana (Rajasthan), Bhamashah, or others
Eligibility is family-based — not individual. If one member is eligible, the entire household is usually covered.
Step-by-Step: How to Check Your PM-JAY Eligibility
- Go to: https://pmjay.gov.in
- Click on “Am I Eligible?”
- Enter your:
- Aadhaar Number or Ration Card Number
- State
- Mobile Number (for OTP verification)
- If eligible, the portal will show:
- Your family members
- Scheme ID, location, and Golden Card status
- Option to download your e-card
What Is the Ayushman Bharat Golden Card?
The Golden Card is your health card under PM-JAY — required for hospital admission.
- Shows your official PM-JAY ID
- Can be downloaded digitally or printed at a CSC/e-Mitra center
- Needed during hospital visits to avail free treatment
Online download is FREE. At kiosks, a ₹30–₹50 charge may apply.
Where Can You Get Free Treatment?
Ayushman Bharat covers over 25,000 hospitals — including top private hospitals across India.
To find one near you:
- Visit: https://hospitals.pmjay.gov.in
- Select State and District
- Browse hospital list by:
- Type (Govt or Private)
- Specialties available
- Contact details and map
- Many private hospitals in Rajasthan now accept Ayushman for surgeries, maternity, and even cancer treatment.
PM-JAY Helplines for Assistance
- National Toll-Free Number: 14555
- Rajasthan Ayushman Helpline: 1800-180-6127
- Visit your nearest e-Mitra / CSC center for help with Golden Card or hospital support
Things You Must Know Before Admission
| Rule | What It Means |
|---|---|
| Aadhaar must be verified | Bring it during hospital admission |
| Coverage is per family | ₹5 lakh shared across all members |
| OPD and medicine are not covered | Only hospitalisation (admission-based treatment) |
| Hospital takes pre-approval online | No bribes, middlemen, or paperwork needed |
| Use Golden Card at admission desk | No payment is required if covered |
Final Word: Don’t Let This Benefit Go Unused
Ayushman Bharat is India’s biggest step toward universal health protection — but it only helps if people actually use it.
Take just 5 minutes today:
Check your eligibility on pmjay.gov.in
Download or print your Golden Card
Find your nearest empanelled hospital
Save the helpline numbers for emergencies
Share this with your family, neighbours, or village WhatsApp group. Let everyone know — they may already be eligible without realizing it.
