Ayushman Bharat PM-JAY 2026: Eligibility, Benefits & How to Apply

Free hospital treatment up to ₹5 lakh per family per year at empanelled hospitals, plus a separate ₹5 lakh cover for every senior citizen aged 70 and above, regardless of income.

Benefit

Cashless hospital treatment up to ₹5 lakh per family per year at empanelled public and private hospitals. Everyone aged 70+ gets their own ₹5 lakh cover through the Ayushman Vay Vandana card.

Who is eligible

• Families identified as eligible under the scheme's criteria (based on SECC 2011 deprivation and occupation data, and state-added lists).
• All senior citizens aged 70 and above, regardless of income, through the Ayushman Vay Vandana card.
• Seniors aged 70+ in families already covered get an additional top-up cover for themselves.

Who is not eligible

• Families not on the eligible list cannot simply apply to be added (except seniors aged 70+).

Documents you need

• Aadhaar card
• Ration card or family ID (where applicable)
• Mobile number linked to Aadhaar

How to apply

1. Check eligibility on beneficiary.nha.gov.in or the Ayushman app using your mobile number and Aadhaar.
2. Complete Aadhaar e-KYC and photo capture to generate your Ayushman card.
3. Seniors aged 70+ can apply for the Vay Vandana card the same way.
4. At an empanelled hospital, show your card at the Ayushman desk for cashless treatment.

Official website: beneficiary.nha.gov.in. Helpline: 14555. State coverage and empanelled hospital lists are on the official portal.

Administered by the Ministry of Health & Family Welfare (National Health Authority). You can also search all central and state schemes on the government's myScheme portal.