The Ayushman Card, issued under the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY), is one of the largest government-funded healthcare programs in the world. The scheme provides eligible Indian families with cashless medical treatment coverage of up to ₹5 lakh per family per year at empanelled government and private hospitals across the country.
By reducing the financial burden of hospitalization and major medical procedures, the Ayushman Bharat scheme aims to make quality healthcare accessible to millions of families.
What is an Ayushman Card?
An Ayushman Card is a health benefit card provided to eligible beneficiaries under PM-JAY. The card allows patients to receive cashless treatment at approved hospitals throughout India.
The scheme covers a wide range of secondary and tertiary healthcare services, including major surgeries, cancer treatment, heart procedures, kidney care, orthopedic surgeries, and many other medical treatments.
Ayushman Bharat PM-JAY Overview
| Particulars | Details |
|---|---|
| Scheme Name | Ayushman Bharat PM-JAY |
| Coverage Amount | Up to ₹5 Lakh per Family per Year |
| Treatment Type | Cashless Hospitalization |
| Hospitals Covered | Government & Private Empanelled Hospitals |
| Healthcare Coverage | Secondary and Tertiary Care |
| Beneficiaries | Eligible Indian Families |
| Card Validity | Valid as per Eligibility Criteria |
| Helpline Numbers | 14555 / 1800-111-565 |
| Official Portal | https://pmjay.gov.in |
Major Benefits of Ayushman Card
1. Cashless Hospital Treatment
Eligible beneficiaries can receive approved medical treatment without paying hospital bills directly for covered procedures.
2. Health Coverage up to ₹5 Lakh
The scheme offers financial protection by covering healthcare expenses up to ₹5 lakh per family annually.
3. Access to Government and Private Hospitals
Beneficiaries can seek treatment at both government hospitals and empanelled private healthcare institutions.
4. No Upper Age Limit
There is no age restriction for eligible family members to avail healthcare benefits under PM-JAY.
5. Coverage of Pre-Existing Diseases
Many pre-existing medical conditions are covered from the beginning of enrollment, subject to scheme guidelines.
6. Nationwide Portability
Patients can use their Ayushman Card at empanelled hospitals anywhere in India.
7. Comprehensive Medical Coverage
Approved treatment packages generally include hospitalization expenses, medicines, diagnostic tests, surgery charges, and related healthcare costs.
Ayushman Bharat Hospital Network
Thousands of healthcare facilities across India have been empanelled under PM-JAY. Recent government data indicates that more than 36,000 hospitals are part of the scheme, including both public and private healthcare providers.
Types of Hospitals Available Under PM-JAY
| Hospital Category | Covered Under PM-JAY |
|---|---|
| District Hospitals | Yes |
| Medical College Hospitals | Yes |
| Community Health Centres | Yes |
| Government Specialty Hospitals | Yes |
| Government Cancer Hospitals | Yes |
| Private Multi-Specialty Hospitals | Yes |
| Private Cardiac Hospitals | Yes |
| Private Cancer Hospitals | Yes |
| Private Orthopedic Hospitals | Yes |
| Private Eye Hospitals | Yes |
Medical Treatments Covered Under Ayushman Card
The scheme covers more than 1,900 healthcare procedures across multiple specialties.
Cardiology Services
- Heart Bypass Surgery
- Angioplasty
- Pacemaker Implantation
- Heart Valve Replacement
Cancer Treatment
- Chemotherapy
- Radiation Therapy
- Cancer Surgery
Neurological Procedures
- Brain Surgery
- Stroke Management
- Neurosurgical Treatments
Orthopedic Care
- Knee Replacement Surgery
- Hip Replacement Surgery
- Fracture Treatment
Kidney Care
- Dialysis
- Renal Procedures
- Kidney-Related Treatments
Eye Care Services
- Cataract Surgery
- Glaucoma Treatment
- Other Approved Eye Procedures
Women’s Healthcare
- Normal Delivery
- Caesarean Section
- Gynecological Surgeries
ENT Treatments
- Ear Surgery
- Nose Procedures
- Throat Treatments
Pediatric Care
- Child Healthcare Services
- Newborn and Neonatal Care
General Surgical Procedures
- Hernia Surgery
- Gallbladder Surgery
- Appendix Removal Surgery
Expenses Covered Under Ayushman Bharat
Approved treatment packages generally include:
- Hospital Admission Charges
- Doctor Consultation Fees
- Operation Theatre Charges
- ICU Expenses
- Medicines
- Diagnostic Tests
- Nursing Services
- Medical Consumables
- Food During Hospital Stay
- Follow-Up Care (As Per Approved Package)
Treatments Usually Not Covered
Certain healthcare services are generally excluded from PM-JAY coverage.
Common Exclusions
- Routine OPD Consultations
- Cosmetic Surgery
- Beauty Enhancement Procedures
- Non-Hospitalized Dental Treatments
- Routine Vaccinations
- General Health Checkups
- Non-Medical Expenses
How to Check Ayushman Hospital List Online
Finding an empanelled hospital is simple and can be done online.
Step 1
Visit the official PM-JAY Hospital Search Portal.
Step 2
Select:
- State
- District
- Hospital Type
- Specialty (Optional)
Step 3
Click the Search button.
Step 4
Browse the list of empanelled hospitals available in your area.
Step 5
Check important details such as:
- Hospital Name
- Address
- Available Specialties
- Contact Information
The online search facility helps beneficiaries locate nearby hospitals based on treatment requirements and location preferences.
Ways to Find Nearby Ayushman Hospitals
Official Hospital Search Portal
Use the PM-JAY hospital search tool to identify nearby empanelled healthcare facilities.
Ayushman Mitra Help Desk
Visit a government hospital and contact the Ayushman Mitra desk for assistance.
PM-JAY Helpline
You may also contact the official support numbers:
- 14555
- 1800-111-565
Common Service Centre (CSC)
Nearby CSC centres can assist beneficiaries in locating approved hospitals and checking eligibility details.
Documents Required During Hospital Admission
Keep the following documents ready while visiting an Ayushman Bharat hospital.
| Document | Required |
|---|---|
| Ayushman Card | Yes |
| Aadhaar Card | Yes |
| Identity Proof | Yes |
| Registered Mobile Number | Recommended |
| Family Identification Details | If Required |
| Referral Documents | If Applicable |
| Previous Medical Records | Recommended |
Hospital authorities may verify beneficiary details before approving treatment under the scheme.
Important Guidelines Before Taking Treatment
- Confirm that the hospital is empanelled under PM-JAY.
- Visit the Ayushman Mitra desk after reaching the hospital.
- Carry original identification documents.
- Verify that your treatment package is covered.
- Keep copies of admission and discharge records.
- Request proper receipts if any payment is demanded.
- Contact the PM-JAY helpline for assistance in case of disputes regarding cashless treatment.
Frequently Asked Questions (FAQs)
What is the maximum coverage available under Ayushman Card?
Eligible families can receive healthcare coverage of up to ₹5 lakh per year.
Can treatment be taken in private hospitals?
Yes. Empanelled private hospitals are included under the PM-JAY network.
Is treatment completely cashless?
Approved treatment packages are generally provided on a cashless basis.
Can I use my Ayushman Card in another state?
Yes. PM-JAY offers nationwide portability, allowing beneficiaries to receive treatment across India.
Is dialysis covered under Ayushman Bharat?
Yes. Dialysis and various kidney-related treatments are included under approved packages.
Are pre-existing diseases covered?
Many pre-existing medical conditions are covered from the beginning of enrollment, subject to scheme guidelines.
Can I check the hospital list online?
Yes. The official PM-JAY hospital search facility allows beneficiaries to verify empanelled hospitals online.
Conclusion
The Ayushman Bharat PM-JAY scheme has transformed access to healthcare for millions of Indian families by providing financial protection against expensive medical treatments. With coverage of up to ₹5 lakh per family annually and access to thousands of government and private hospitals, the Ayushman Card serves as an important healthcare support system. Beneficiaries should always verify hospital eligibility, understand covered treatments, and keep required documents ready to ensure a smooth and hassle-free treatment experience.
Disclaimer
This article is intended solely for informational and educational purposes. Eligibility criteria, hospital empanelment status, treatment packages, healthcare coverage, scheme rules, and benefit limits under Ayushman Bharat PM-JAY may change from time to time based on government policies and official notifications. Readers are advised to verify the latest information through the official PM-JAY portal, authorized Ayushman Mitra help desks, government healthcare authorities, or empanelled hospitals before making any healthcare-related decisions. Coverage of specific treatments depends on beneficiary eligibility, package approval, hospital empanelment status, and applicable scheme guidelines.
