Ayushman Card Apply Online 2026: Complete Step-by-Step Guide

Last Updated: 2026

The Ayushman Card has become one of the most important healthcare benefits for millions of Indian families. Under the Pradhan Mantri Jan Arogya Yojana (PM-JAY), eligible families can receive up to ₹5 lakh per year for cashless treatment at empanelled hospitals across India.

In 2026, the online application process is much faster and easier. You can now apply through the official portal, mobile app, CSC center, or hospital-based Ayushman Mitra service.

This guide explains everything in a simple step-by-step format, including eligibility, required documents, application methods, status check, card download process, hospital usage, and solutions for common problems.

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Quick Answer: How to Apply for Ayushman Card Online

To apply for Ayushman Card online:

1. Visit beneficiary.nha.gov.in
2. Log in using your mobile number and OTP
3. Select your state and PMJAY scheme
4. Search using Aadhaar number
5. Click “Do e-KYC”
6. Complete Aadhaar OTP verification
7. Download your Ayushman Card PDF

What Is Ayushman Card?

National Health Authority manages the Ayushman Bharat PM-JAY scheme, which provides free health insurance coverage to eligible families.

The scheme offers:

• ₹5 lakh annual health coverage
• Cashless treatment
• Coverage at government and private hospitals
• Nationwide portability
• Coverage for pre-existing diseases
• 1,900+ medical procedures

The Ayushman Card is also called:

• PMJAY Card
• Golden Card
• Ayushman Bharat Card

Ayushman Card Eligibility 2026

Eligibility is mainly based on SECC 2011 data and state-specific rules.

Rural Eligibility Criteria

The following rural families are generally eligible:

• Landless laborers
• Families living in kutcha houses
• SC/ST households
• Female-headed households
• Families with disabled members
• Daily wage workers

Urban Eligibility Categories

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Urban workers in these occupations may qualify:

• Drivers
• Construction workers
• Domestic workers
• Street vendors
• Plumbers
• Electricians
• Sanitation workers
• Rickshaw pullers

Ayushman Vaya Vandana Card for Senior Citizens (70+)

The government expanded PMJAY benefits for citizens aged 70 years and above.

Under the Ayushman Vaya Vandana Card:

• All citizens aged 70+ can apply
• Income limit is not mandatory
• Additional healthcare support is available
• Aadhaar-based e-KYC is required

Who Is Not Eligible?

These categories are usually excluded:

• Income tax payers
• Government employees
• Owners of large agricultural land
• High-income households
• Owners of four-wheelers in certain categories

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Documents Required for Ayushman Card

How to Apply for Ayushman Card Online 2026

Method 1: Apply Through Official Website

This is the fastest and most trusted method.

Step 1: Open Official Portal

Visit:

• beneficiary.nha.gov.in
• pmjay.gov.in

Step 2: Enter Mobile Number

Type your mobile number and verify using OTP.

Step 3: Select State and Scheme

Choose:

• State
• PMJAY Scheme

Step 4: Search Beneficiary Details

Search using:

• Aadhaar Number
• Family ID
• Mobile Number

Step 5: Click “Do e-KYC”

This step verifies your identity.

Step 6: Complete Aadhaar OTP Verification

Enter OTP and provide consent.

Step 7: Download Ayushman Card

Once approved, download your PDF card instantly.

Method 2: Apply Using Ayushman App

Ayushman App allows users to complete the entire process from mobile.

App Application Process

1. Install the app
2. Log in with OTP
3. Search beneficiary details
4. Complete face authentication
5. Finish e-KYC
6. Download card

Method 3: Apply Through CSC Center

CSC centers help users who are not comfortable with online applications.

CSC Application Process

Carry:

• Aadhaar Card
• Ration Card
• Mobile Number

The CSC operator will:

• Verify eligibility
• Complete biometric verification
• Generate the card

Service charges may range between ₹10–₹30.

Method 4: Apply Through Ayushman Mitra at Hospital

Many empanelled hospitals provide Ayushman Mitra support.

Ayushman Bharat Pradhan Mantri Jan Arogya Yojana hospital representatives help with:

• Eligibility verification
• e-KYC
• Card generation
• Hospital registration support

State-Wise Ayushman Card Application

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Uttar Pradesh

Official portal:

• ayushmanup.in

Bihar

NFSA-based verification is widely used in Bihar.

Delhi

Residents can use the national PMJAY portal directly.

Maharashtra

National portal support is available for Maharashtra residents.

Karnataka

Karnataka integrates PMJAY with Arogya Karnataka services.

How to Check Ayushman Card Status

Status Check Process

1. Visit beneficiary.nha.gov.in
2. Log in using OTP
3. Search beneficiary details
4. Check application status

Possible status types:

• Generated
• Pending
• Rejected

How to Download Ayushman Card PDF

Download Process

1. Log in to the portal
2. Search beneficiary details
3. Click “Download Card”
4. Save PDF copy

Common Problems and Solutions

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Name Not Found in Beneficiary List

If your name is missing:

• Visit nearest CSC
• Submit grievance request
• Contact State Health Agency

OTP Not Received

Solutions:

• Check network signal
• Verify Aadhaar-linked number
• Retry after a few minutes

e-KYC Failed

Common reasons:

• Aadhaar mismatch
• Incorrect date of birth
• Low face matching score

Solutions:

• Update Aadhaar details
• Upload clear photo
• Retry authentication

How Long Does It Take?

How to Use Ayushman Card at Hospitals

After generating your card:

1. Visit an empanelled hospital
2. Show Ayushman Card at help desk
3. Complete verification
4. Receive cashless treatment

How to Find Empanelled Hospitals

PMJAY Hospital Search

Search by:

• State
• District
• Specialty

Ayushman Card Benefits

What Is Not Covered?

Certain treatments are excluded:

• Cosmetic surgery
• Fertility treatments
• OPD services
• Non-medical expenses

Ayushman Card vs Private Health Insurance

Difference Between ABHA Card and Ayushman Card

Ayushman Bharat Digital Mission introduced the ABHA Card system.

Official Ayushman Card Helpline Numbers

National Helpline

• 14555

Alternate Helpline

• 1800-111-565

Senior Citizen Support

• 1800-110-770

Frequently Asked Questions

How to apply for Ayushman Card online in 2026?

Visit beneficiary.nha.gov.in, log in using OTP, complete e-KYC, and download your card.

Can I apply using mobile phone?

Yes, you can apply using the official Ayushman App.

Is Ayushman Card valid in private hospitals?

Yes, it is valid at empanelled private hospitals.

How to check eligibility?

Use Aadhaar number or mobile number on the beneficiary portal.

What is Ayushman Vaya Vandana Card?

It is a special healthcare card for senior citizens aged 70 years and above.

Can I use the card in another state?

Yes, PMJAY provides nationwide portability.

What if my name is missing?

Visit CSC center or file grievance through the official portal.

Is Aadhaar mandatory?

Yes, Aadhaar verification is usually required.

Conclusion

The Ayushman Card application process in 2026 is simpler, faster, and more accessible than before. Whether you apply through the official portal, mobile app, CSC center, or hospital, the process can usually be completed within minutes if your documents are ready.

Always use official government portals and trusted sources while applying. Keep your Aadhaar details updated and complete e-KYC carefully to avoid rejection.