Ayushman Card Download 2026 — Get Your Card, Find Hospitals & Use Cashless Treatment

How to Check If You Are Covered (Before Downloading the Card)

Visit beneficiary.nha.gov.in → 'Check Beneficiary' → Enter your mobile number linked to Aadhaar → OTP verification → Search by Aadhaar number, ration card, or name. Alternatively: Call 14555 (Ayushman Bharat helpline, toll-free, 24/7) and ask the operator to check your eligibility by name and Aadhaar. At hospital: Walk into any empanelled hospital and ask the Ayushman Mitra at the help desk to check your eligibility — this service is free. If you are above 70 years: You are eligible regardless of income since September 2024 — use the AB-PMJAY 70+ registration at beneficiary.nha.gov.in.

How to Download Ayushman Card — Step by Step

Step 1: Visit beneficiary.nha.gov.in. Step 2: Click 'Beneficiary Login' → Enter your Aadhaar-linked mobile number → Enter OTP. Step 3: After login, you will see your family members listed. Step 4: Click on your name → 'Download Ayushman Card'. Step 5: The PDF is downloaded — it contains your name, Ayushman ID, and a QR code. This digital card is legally valid at all empanelled hospitals — you do not need a physical plastic card. If you prefer a physical card: visit any Common Service Centre (CSC) with ₹30 and they will print a plastic Ayushman card on the spot.

How to Find Empanelled Hospitals Near You

Method 1 — NHA Hospital Locator: Visit pmjay.gov.in → 'Find Hospital' → Enter your state, district, and speciality (e.g., Cardiology, General Surgery, Orthopaedics). The search results show all empanelled hospitals — government and private — with their contact numbers. Method 2 — Helpline: Call 14555 and ask for empanelled hospitals in your area for the specific treatment you need. Method 3 — Ayushman Bharat App: Available on Android. Search 'Ayushman Bharat' on Google Play → Download → Hospital Finder section. Important: empanelment status changes — hospitals get empanelled and de-empanelled. Always verify with the hospital itself before travelling, especially for emergency situations.

How to Use Cashless Treatment at a Hospital

Step 1: Go to the hospital's Ayushman Mitra counter (look for the 'Ayushman Bharat — PMJAY' signboard). Step 2: Show your Ayushman card (on phone or physical) and your Aadhaar for biometric verification. Step 3: The Ayushman Mitra verifies your eligibility in real time through the central NHA system. Step 4: Pre-authorisation is requested for planned surgeries. Emergency hospitalisation begins immediately. Step 5: You are admitted and treated. The hospital directly claims reimbursement from the NHA — you pay nothing for covered treatments. What you still pay: Medicines and services not covered in the 1,949-procedure list (check with Ayushman Mitra). If the hospital asks for payment for a covered procedure, call 14555 immediately and report it.

What If Your Card Is Rejected or Not Working?

Common reasons for Ayushman card rejection at hospitals: Hospital not empanelled (or recently de-empanelled). Your family's annual limit of ₹5 lakh has been exhausted. The required procedure is not in the covered list. Biometric authentication failure — Aadhaar fingerprints may not match due to age or manual labour. If rejected for biometric failure: Request iris scan or OTP-based authentication instead of fingerprint. If rejected because hospital says 'not covered': Check the covered procedure list at pmjay.gov.in and ask the Ayushman Mitra to verify. If genuinely rejected incorrectly: Call 14555 and file a complaint — you will get a complaint number. The NHA takes misuse and wrongful rejection seriously.

Ayushman Bharat for Families Above 70 Years — New 2024 Rule

Since September 2024, all Indian citizens aged 70 years and above are eligible for a separate Ayushman cover of ₹5 lakh per year — regardless of their income, ration card status, or SECC-2011 inclusion. This is separate from the family's existing Ayushman cover (if any). To register for the 70+ cover: visit beneficiary.nha.gov.in → 'AB PMJAY 70+ Registration' → Enter the senior citizen's Aadhaar. A separate Ayushman card with the AB-PMJAY 70+ scheme is generated. This 70+ cover applies to all treatment — including for pre-existing conditions — from day one of the card.

Frequently Asked Questions