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How to get an Ayushman card (AB PM-JAY)

Check eligibility and create your Ayushman card on the Ayushman app or beneficiary.nha.gov.in for ₹5 lakh cover.

Published · Updated

Official source · PIB – AB PM-JAY cover (3 Feb 2026) — pib.gov.in
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Step by step

  1. Check eligibility

    Use the Ayushman app or beneficiary.nha.gov.in. You can also ask at an empanelled hospital, a Common Service Centre, or call 14555.

  2. Self-verify and create the card

    The Ayushman app lets you create the Ayushman card yourself in four simple steps on an Android phone.

  3. Seniors aged 70+

    Apply through the Ayushman app, the beneficiary portal, a nearby empanelled hospital or a Common Service Centre.

  4. Use the card

    Show your card for cashless treatment at any empanelled hospital in the country, not just in your home state.

Common questions

Do I need to be poor to get the 70+ card?

No. Senior citizens aged 70 and above get the cover irrespective of their socio-economic status.

I have private insurance. Can I still get it?

Yes. People with private health insurance or ESI are eligible.

Are illnesses I already have covered?

Yes. All pre-existing diseases are covered from the first day, without a waiting period.

Where do I complain if a hospital refuses treatment?

Call 14555 (24x7) or file a grievance on the Centralized Grievance Redressal Management System (CGRMS).

Official source

Key points

  • AB PM-JAY gives health cover of ₹5 lakh per family per year for hospitalisation.
  • All senior citizens aged 70 and above are covered, whatever their income (Ayushman Vay Vandana card).
  • Pre-existing diseases are covered from day one.
  • The card works at empanelled hospitals across India.
  • Helpline: 14555 (24x7); seniors can give a missed call on 1800-110-770.

Sources

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