How to Apply for Ayushman Bharat Yojana Online in 2025

How to Apply for Ayushman Bharat Yojana Online The Ayushman Bharat Yojana, also known as Pradhan Mantri Jan Arogya Yojana (PM-JAY), is a flagship health insurance scheme by the Government of India, providing up to ₹5 lakh per family annually for secondary and tertiary hospitalization. As of 2025, the scheme continues to benefit millions of eligible families, covering over 50 crore individuals across India. This article provides a step-by-step guide to applying for Ayushman Bharat Yojana online, ensuring eligible beneficiaries can access free healthcare services seamlessly.

Overview of Ayushman Bharat Yojana

Launched in 2018, Ayushman Bharat Yojana aims to provide financial protection to economically disadvantaged families for medical treatments. The scheme covers hospitalization expenses, including surgeries, diagnostics, and follow-up care, at empanelled public and private hospitals. In 2025, the scheme has expanded to include additional benefits, such as increased coverage for critical illnesses and streamlined application processes through digital platforms.

Eligibility Criteria

To apply for Ayushman Bharat Yojana, you must meet the eligibility criteria based on the Socio-Economic Caste Census (SECC) 2011:

  • Rural Areas: Families with no adult male member (16-59 years), landless households, manual scavenger families, or those living in one-room houses with kuccha walls and roofs.
  • Urban Areas: Families of ragpickers, domestic workers, street vendors, or those in low-income occupations.
  • Income-Based: Households with no taxable income or below the poverty line.
  • Other Criteria: Scheduled Castes/Scheduled Tribes, destitute individuals, or those identified in SECC 2011 data.

To check eligibility, visit the official PM-JAY portal or contact a Common Service Centre (CSC).

Documents Required

Before applying, gather the following documents:

  • Aadhaar Card: Mandatory for identity verification.
  • Ration Card: To confirm family details.
  • Income Certificate: If required to prove economic status.
  • Mobile Number: Linked to Aadhaar for OTP-based verification.
  • Address Proof: Utility bill or residence certificate (optional in some cases).
  • SECC Details: If available, to confirm inclusion in the beneficiary list.

Ensure all documents are valid and scanned for online submission.

Step-by-Step Guide to Apply for Ayushman Bharat Yojana Online

The online application process for Ayushman Bharat Yojana in 2025 is user-friendly and can be completed through the official PM-JAY portal or related platforms like myScheme. Follow these steps:

1. Visit the Official PM-JAY Portal

2. Check Eligibility

  • On the PM-JAY homepage, click on the “Am I Eligible” or “Beneficiary Identification” section.
  • Enter your Aadhaar Number or Ration Card Number to verify if your family is listed in the SECC 2011 database.
  • Alternatively, provide your mobile number to receive an OTP and check eligibility by entering personal details like name, state, and income status.
  • If eligible, you will receive confirmation of inclusion in the scheme.

3. Register for the Ayushman Card

  • If confirmed eligible, proceed to register for the Ayushman Bharat Card (also called the Chirayu Ayushman Card in some states).
  • Click on “Register” or “Apply for e-Card” on the PM-JAY portal.
  • Fill in the required details:
    • Aadhaar Number
    • Family details (names, ages, relationships)
    • Mobile number linked to Aadhaar
    • Address and state
  • Upload scanned copies of required documents (Aadhaar, Ration Card, etc.).

4. Aadhaar-Based e-KYC Verification

  • Complete the e-KYC process using Aadhaar authentication:
    • Enter the OTP sent to your Aadhaar-linked mobile number.
    • Verify biometric details (if prompted) at a CSC or empanelled hospital.
  • This step ensures the authenticity of your application.

5. Submit the Application

  • Review all entered details and uploaded documents.
  • Submit the application form online.
  • Note the Application ID or Reference Number generated for tracking purposes.

6. Download the Ayushman Bharat e-Card

  • Once approved (typically within 7-10 days), you will receive a notification via SMS or email.
  • Log in to the PM-JAY portal using your registered mobile number or Application ID.
  • Download the Ayushman Bharat e-Card, which contains a unique QR code and beneficiary details.
  • Alternatively, visit a nearby CSC or empanelled hospital to obtain a physical card.

7. Track Application Status

  • Go to www.pmjay.gov.in and select “Check Application Status”.
  • Enter your Application ID or Aadhaar Number to view the progress.
  • For assistance, contact the PM-JAY helpline: 14555 or 1800-111-565.

Alternative Application Options

If you face issues with the online process:

  • Common Service Centres (CSCs): Visit a nearby CSC (locate via www.csc.gov.in) to apply offline. CSC operators assist with eligibility checks, document uploads, and e-KYC verification.
  • Empanelled Hospitals: Many PM-JAY empanelled hospitals have kiosks to facilitate applications and issue e-Cards.
  • State Portals: Some states, like Haryana or Assam, offer Ayushman Bharat applications through their health department websites (e.g., www.haryana.gov.in).

Benefits of the Ayushman Bharat e-Card

Once enrolled, the e-Card provides:

  • Cashless treatment at over 25,000 empanelled hospitals.
  • Coverage of up to ₹5 lakh per family per year for hospitalization.
  • Access to treatments like surgeries, cancer care, and diagnostics.
  • No premium or registration fees for eligible families.

Tips for a Successful Application

  • Use Official Platforms: Apply only through www.pmjay.gov.in or www.myscheme.gov.in to avoid scams.
  • Ensure Aadhaar Linking: Your mobile number must be linked to Aadhaar for OTP verification.
  • Check Hospital List: Verify empanelled hospitals on the PM-JAY portal to ensure access to treatment.
  • Keep Documents Ready: Scanned copies should be clear and in PDF/JPEG format.
  • Contact Helplines: For queries, use the toll-free numbers or visit a CSC.

Common Issues and Solutions

  • Not Eligible in SECC Database: If not listed, contact your local CSC or district health office to verify inclusion or appeal.
  • e-KYC Failure: Ensure your Aadhaar details are updated and the linked mobile number is active.
  • Delayed Approval: Track status regularly and escalate to the helpline if delayed beyond 10 days.

Conclusion

Applying for Ayushman Bharat Yojana online in 2025 is a straightforward process, thanks to the PM-JAY portal and digital initiatives like myScheme. By verifying eligibility, completing e-KYC, and downloading the e-Card, eligible families can access free healthcare services effortlessly. Always use official channels, keep documents ready, and track your application to ensure timely enrollment. For further assistance, visit www.pmjay.gov.in or contact the helpline at 14555.

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