You might already be eligible for free health insurance worth ₹5 lakh, and you don’t even know it.
The government’s been running this massive Ayushman Bharat scheme since 2018, and lakhs of families who qualify still haven’t checked. I’ve seen people struggle with hospital bills when they could’ve gotten the same treatment for free. Most people don’t even know how to check Ayushman Bharat eligibility online.
If you’ve ever wondered “Am I eligible?” – this guide will show you exactly how to check Ayushman Bharat eligibility online in minutes.
What Actually Is Ayushman Bharat?
Ayushman Bharat (PM-JAY) is free health insurance from the government. ₹5 lakh coverage per family, per year. No premiums. No paperwork. Just walk into any of 27,000+ hospitals, show your card, and get treated – completely cashless.
It covers about 55 crore Indians. Learning how to check Ayushman Bharat eligibility online is the first step to accessing this benefit.
Other PM Health Schemes You Should Know
Ayushman Bharat PM-JAY – The main one. ₹5 lakh coverage. Big 2026 update: ALL seniors 70+ now covered (rich or poor), plus 1 crore gig workers (Swiggy/Zomato riders, Uber drivers, freelancers on e-Shram portal.
Other schemes: Health and Wellness Centres (1.5 lakh free clinics), CGHS (for govt employees), ESI (factory workers), PMSBY (₹12/year accident insurance), PMJJBY (₹436/year life insurance).
Now let’s get to how to check Ayushman Bharat eligibility online.
How to Check Ayushman Bharat Eligibility Online
There are three simple ways to check Ayushman Bharat eligibility online. Pick the one that works best for you. The process to check Ayushman Bharat eligibility online is straightforward and takes less than 5 minutes.
Method 1: Official Website (Easiest)
This is the fastest way to check Ayushman Bharat eligibility online. Millions use this method every month to check Ayushman Bharat eligibility online:
- Go to pmjay.gov.in → Click “Am I Eligible”
- Enter mobile number → Get OTP → Verify
- Select “PMJAY” → Choose your state and district
- Search by Aadhaar (fastest), mobile number, or ration card
- Enter details → Click search
Done. You’ll see if you’re eligible. If yes and no card yet, click “Apply Now” right there. That’s how simple it is to check Ayushman Bharat eligibility online.
Method 2: Mobile App
Another easy way to check Ayushman Bharat eligibility online is through the mobile app:
Download “Ayushman Bharat PM-JAY” app → Check Eligibility → Verify with OTP → Search by Aadhaar → Get result. Plus you can find hospitals and download your card.
Method 3: Call Helpline
If you can’t check Ayushman Bharat eligibility online yourself, call 14555 or 1800-111-565 (toll-free). Keep your Aadhaar or ration card number handy. They’ll check for you over the phone.
Who Qualifies?
Before you check Ayushman Bharat eligibility online, here’s who typically qualifies. Eligibility is based on SECC 2011 data. Different rules for rural and urban areas.
Rural: You’re in if you have mud walls/roof, no adults aged 16-59, female-headed household with no men, disabled family member with no able-bodied adult, SC/ST category, or landless laborers.
Urban: Ragpickers, beggars, street vendors, construction workers, security guards, sweepers, domestic workers, drivers, shop workers – basically informal sector jobs.
2026 Big Changes:
- ALL seniors 70+ now eligible (rich or poor) – 6 crore people added
- Gig workers on e-Shram now covered – 1 crore people
If you’re turning 70 or doing gig work, you should definitely check Ayushman Bharat eligibility online.
No Internet? Visit CSC or Hospital
If you can’t check Ayushman Bharat eligibility online, go to your nearest CSC (Jan Seva Kendra) with Aadhaar and ration card. They’ll check your eligibility in minutes. Free service. Find nearest CSC at csc.gov.in.
Or visit any PMJAY hospital’s Ayushman Bharat helpdesk. They’ll verify and generate your card if eligible.
You’re Eligible – Now What?
After you check Ayushman Bharat eligibility online and confirm you qualify, here’s what to do:
Get Your Card: Online: Go back to beneficiary portal → Click “Apply Now” → Fill details → Download digital card in 1-2 days. Offline: Visit CSC or hospital for instant physical card.
What You Get: ₹5 lakh per year for entire family. Covers 1,929 procedures – heart surgery, cancer, kidney problems, joint replacement. No premium, no waiting period, pre-existing conditions covered from day one.
Using It: Find hospital on PMJAY list → Visit Ayushman desk → Show card → Get admitted. Zero payment. Works anywhere in India.
Common Problems & Fixes
When you check Ayushman Bharat eligibility online, you might face these issues:
“Details Not Found”: Double-check Aadhaar/mobile number, try ration card search, or call helpline 14555.
OTP Not Coming: Check if mobile is linked to Aadhaar, wait 2-3 minutes, ensure good network. If issues persist while trying to check Ayushman Bharat eligibility online, try the mobile app or call helpline.
Eligible But No Card: Visit nearest CSC with Aadhaar. Card generated in 15-20 minutes.
Why This Matters
Knowing how to check Ayushman Bharat eligibility online could save your family from bankruptcy during medical emergencies.
₹5 lakh coverage per family per year. Zero premium. No co-payment. Covers 1,929 procedures including heart surgery, cancer, transplants. Pre-existing conditions covered from day one. Works at 27,000+ hospitals across India. Can use in any state.
Quick Tips
Keep card photo on your phone. Update mobile number if changed. Verify hospital is empanelled before admission. Cosmetic surgery and fertility treatments not covered. Complaint? Call 14555.
What’s New in 2026
Government allocated ₹9,406 crore for Ayushman Bharat in the latest budget – this scheme is expanding, not going away. If you haven’t already, now’s the perfect time to check Ayushman Bharat eligibility online.
Digital Health: Get your ABHA (Ayushman Bharat Health Account) at abdm.gov.in. It’s a health ID that stores all your medical records from different hospitals in one place. Takes 2 minutes with Aadhaar.
Better Quality: Hospitals are being audited more strictly now. Patient feedback matters. Quality is improving.
Bottom Line
Millions of Indians qualify for ₹5 lakh free health insurance and don’t know how to check Ayushman Bharat eligibility online. Don’t find out after a medical emergency.
Take 5 minutes. Check Ayushman Bharat eligibility online today. Generate your card. Keep it handy.
Now that you know how to check Ayushman Bharat eligibility online, share this guide with family, neighbors, anyone who might qualify. Most people don’t know how to check Ayushman Bharat eligibility online.
Healthcare shouldn’t bankrupt families. Check now.
Updated January 2026. Source: National Health Authority | Helpline: 14555
FAQs
1) Can I check Ayushman Bharat eligibility online without Aadhaar?
Yes. Use your ration card number or registered mobile number when you check Ayushman Bharat eligibility online. But Aadhaar is fastest if you have it.
2) Does it cost money to check Ayushman Bharat eligibility online?
Nope. It’s 100% free – no premiums, no registration fees, nothing. If someone asks for money, they’re scamming you. Call 14555 and complain.
3) How often should I check Ayushman Bharat eligibility online?
Once a year is enough, or whenever your family situation changes (new job, moved houses, turning 70, or registered as a gig worker on e-Shram).
4) I’m eligible but my family members aren’t showing up. What do I do?
Take your family documents (marriage/birth certificates) to a CSC or empanelled hospital. They’ll add them in 1-2 days.
5) Can I use both Ayushman Bharat and my company health insurance?
You can have both, but can’t claim the same bill twice. Pick one per hospital visit. Smart move: use Ayushman for the ₹5 lakh base coverage (it’s free), keep private insurance for extras.