Updated: June 2026

Ayushman Bharat Eligibility Check 2026: Am I Eligible for ₹5 Lakh Health Cover?

Find out in 30 seconds whether you qualify for Ayushman Bharat PM-JAY — India's largest health insurance scheme offering cashless treatment up to ₹5 lakh per year at 29,000+ hospitals.

The hardest part of Ayushman Bharat isn't getting treatment — it's figuring out whether you're eligible in the first place. The scheme covers 55 crore Indians based on SECC 2011 data, which means some families who are clearly poor today aren't listed, while others who've moved up are still on the list. This page helps you check quickly and understand your options if you're not listed.

— Sibin O, Founder, NagrikIQ · Last verified June 2026

Quick Answer

Visit pmjay.gov.in → Click Am I Eligible → Enter mobile number → Verify OTP → Search by name / ration card / mobile number

Who is Eligible for Ayushman Bharat PM-JAY?

Original
SECC 2011 Listed Families (Original Coverage)
Families included in the Socio-Economic Caste Census 2011 database are eligible. This covers rural households with specific deprivation criteria (no pucca house, daily wage earners, SC/ST households, landless families, etc.) and urban workers in 11 occupational categories (ragpickers, domestic workers, construction workers, etc.).
New 2024
All Citizens Aged 70+ Years (Extended from Sept 2024)
From September 2024, the government extended PM-JAY to all Indian citizens aged 70 years and above under the Ayushman Vay Vandana Card scheme. Income does not matter — if you or any family member is 70+, they are automatically eligible for ₹5 lakh per year health cover.
State
State-Extended Beneficiaries
Several states have extended Ayushman Bharat to additional families beyond SECC 2011 using state funds. Examples: AB-PMJAY Punjab, Bhamashah Swasthya Bima Yojana (Rajasthan), etc. Check your state's health scheme portal for additional coverage.

How to Check Eligibility at pmjay.gov.in (5 Steps)

  1. 1
    Open pmjay.gov.in
    Visit pmjay.gov.in on any browser on your phone or computer.
  2. 2
    Click 'Am I Eligible'
    Click the prominent 'Am I Eligible' button on the homepage. This opens the beneficiary eligibility checker.
  3. 3
    Enter mobile number and verify OTP
    Enter your 10-digit mobile number. You will receive a one-time password (OTP) via SMS. Enter the OTP to proceed.
  4. 4
    Search by name, ration card, or mobile
    Select your state, then search by: Beneficiary Name, Ration Card Number, Mobile Number, RSBY URN, or MMJAA ID. Enter the relevant details and click Search.
  5. 5
    View your eligibility result
    If found, the page will show your family's eligibility status, the names of covered members, and the health coverage amount. You can then proceed to download your Ayushman card.

Check via Ayushman Mitra App

  1. Download the 'Ayushman Mitra' app from Google Play Store or Apple App Store.
  2. Register using your mobile number and verify with OTP.
  3. Tap 'Beneficiary Identification' on the home screen.
  4. Search by name, Aadhaar, ration card, or family ID.
  5. View eligibility status and download the Ayushman Bharat card directly from the app.

The app also allows hospital staff and CSC operators to verify and enrol beneficiaries at empanelled hospitals.

What to Do If Your Name is Not Found

If you cannot find your name on pmjay.gov.in even though you believe you are eligible, try these steps:

  • Visit your nearest CSC (Common Service Centre): CSC operators can access extended databases and verify eligibility through alternate means.
  • Visit an empanelled hospital's Ayushman Mitra desk: All PM-JAY empanelled hospitals have an Ayushman Mitra who can help verify and enrol you on the spot.
  • Check state-specific portals: Many states have their own expanded AB-PM JAY lists. Check your state health department's portal.
  • Call the helpline: PM-JAY helpline number is 14555. They can check your eligibility and guide you.

What Does Ayushman Bharat Cover?

₹5 Lakh
Health cover per family per year
1,949
Medical procedures covered
29,000+
Empanelled hospitals across India
100%
Cashless, paperless treatment
Coverage includes: hospitalisation expenses, pre- and post-hospitalisation (3 days before / 15 days after), surgeries, diagnostic tests, medicines, ICU charges, day care procedures, and all pre-existing diseases from Day 1.

Frequently Asked Questions

Q: Who is eligible for Ayushman Bharat PM-JAY?
Ayushman Bharat PM-JAY covers: (1) Families listed in the SECC 2011 (Socio-Economic Caste Census) database — including rural BPL families and urban occupational categories. (2) All Indian citizens aged 70 years and above, regardless of income, as extended in September 2024. ESIC and CGHS beneficiaries are separately covered.
Q: How do I check Ayushman Bharat eligibility online?
Visit pmjay.gov.in, click 'Am I Eligible', enter your mobile number, verify the OTP, then search by name, ration card number, or mobile to check if your family is in the beneficiary list.
Q: Are all senior citizens above 70 eligible for Ayushman Bharat?
Yes. From September 2024, all Indian citizens aged 70 years and above are eligible for Ayushman Bharat PM-JAY regardless of their income or existing coverage, with up to ₹5 lakh per year health cover.
Q: What if my name is not found on pmjay.gov.in?
If your name is not found, visit your nearest CSC (Common Service Centre) or Ayushman Bharat empanelled hospital's Ayushman Mitra desk. They can verify your eligibility through alternate databases and help you get enrolled.
Q: How many hospitals are covered under Ayushman Bharat?
Ayushman Bharat PM-JAY covers over 29,000 empanelled hospitals across India, including government and private hospitals. All 1,949 medical procedures including surgeries, diagnostics, and day care treatments are covered.
Q: What documents are needed for the Ayushman Bharat card?
You need: Aadhaar card, ration card or family ID, and a mobile number linked to Aadhaar. For 70+ senior citizens, a valid age proof (Aadhaar showing date of birth) is sufficient to get the Ayushman Vay Vandana Card.
Want the full Ayushman Bharat guide?
How to apply, download card, find hospitals, claim process, and more.
Ayushman Bharat Full Guide →
!

Disclaimer: NagrikIQ is an informational platform and is not affiliated with any government department. Always verify your eligibility on the official pmjay.gov.in portal before taking action.