Ayushman Card Benefits
Discover comprehensive health benefits worth ₹5 lakh per family. Free cashless treatment for 50 crore+ Indians at 27,000+ hospitals nationwide.
₹5 Lakh Annual Health Coverage
Get comprehensive health insurance coverage of up to ₹5 lakh per family per year. This coverage renews annually on January 1st and can be used for multiple hospitalizations throughout the year.
Example: If you use ₹2 lakh for heart surgery in March, you still have ₹3 lakh remaining for other treatments until December 31st.
100% Cashless Treatment - Zero Out-of-Pocket
No need to pay anything at empaneled hospitals. Treatment is completely cashless - just show your Ayushman Card and receive treatment without any upfront payment. The hospital directly settles the bill with the National Health Authority.
Benefit: No need to arrange funds during medical emergencies. No reimbursement hassles.
Zero Premium - Completely FREE
Unlike private health insurance that costs ₹10,000-50,000 annually, Ayushman Card is completely FREE. No application fee, no annual premium, no renewal charges. The government bears the entire cost.
Savings: Save ₹10,000-50,000 per year compared to private insurance premiums.
Transportation & Food Allowance Included
Transportation costs for reaching empaneled hospitals and food expenses during hospitalization are covered as part of the package. This ensures complete financial protection during medical emergencies.
Coverage: Travel allowance and patient attendant food costs included in treatment package.
1,900+ Medical Procedures Covered
Coverage for a wide range of medical procedures including surgeries, diagnostics, medicines, and treatments for diseases like cancer, heart conditions, kidney ailments, brain disorders, and more.
Pre & Post Hospitalization Coverage
Pre-hospitalization expenses (up to 3 days before admission) and post-hospitalization expenses (up to 15 days after discharge) are fully covered, including diagnostics, medicines, and follow-up consultations.
Includes: Lab tests, X-rays, MRI/CT scans, medicines, doctor consultations, and follow-up care.
Pre-Existing Diseases Covered from Day One
No waiting period for pre-existing conditions. Coverage starts from day one for all diseases including chronic conditions like diabetes, hypertension, heart disease, asthma, and more. This is a major advantage over private insurance.
Contrast: Private insurance has 2-4 year waiting periods for pre-existing diseases.
Free Diagnostics, Medicines & Implants
All diagnostic tests, medicines, medical consumables, implants (stents, pacemakers, artificial joints), and medical equipment required during treatment are covered at no cost.
Coverage: Blood tests, imaging, ICU charges, operation theater, anesthesia, implants - everything included.
Emergency & Critical Care Coverage
24/7 emergency treatment coverage including accident care, trauma management, ICU admission, ventilator support, and emergency surgeries. No pre-authorization required for genuine emergencies.
Benefit: Immediate treatment in life-threatening situations without paperwork delays.
Cardiology (Heart)
- • Coronary bypass surgery (₹2-4 lakh)
- • Angioplasty & stenting (₹1-2 lakh)
- • Heart valve replacement (₹3-5 lakh)
- • Pacemaker implantation (₹1-2 lakh)
Oncology (Cancer)
- • Chemotherapy (₹50,000-2 lakh)
- • Radiation therapy (₹1-3 lakh)
- • Cancer surgeries (₹2-5 lakh)
- • Bone marrow transplant (₹5 lakh)
Neurology (Brain & Nerves)
- • Brain tumor surgery (₹3-5 lakh)
- • Spine surgeries (₹2-4 lakh)
- • Stroke treatment (₹1-3 lakh)
- • Epilepsy management (₹50,000-1 lakh)
Nephrology (Kidney)
- • Dialysis (₹20,000-40,000/month)
- • Kidney transplant (₹4-5 lakh)
- • Kidney stone removal (₹50,000-1 lakh)
- • Chronic kidney disease care
Maternity & Childcare
- • Normal delivery (₹10,000-20,000)
- • C-section delivery (₹30,000-50,000)
- • Neonatal ICU care (₹50,000-2 lakh)
- • Pregnancy complications
Emergency & Trauma
- • Accident & injury treatment
- • Emergency surgeries
- • ICU & ventilator support
- • Burns & trauma care
Note: Approximate costs shown are what would be charged without insurance. With Ayushman Card, all covered procedures are 100% free at empaneled hospitals.
No Age or Family Size Limit
All family members are covered regardless of age - from newborns to elderly. There's no cap on family size, ensuring complete family protection. Senior citizens, children, and adults all get equal coverage.
Benefit: Unlike private insurance that charges higher premiums for elderly or limits family members.
Nationwide Portability - Use Anywhere in India
Use your Ayushman Card at any empaneled hospital across all states in India. Perfect for migrant workers and those seeking specialized treatment in other states. Your benefits remain the same regardless of location.
Example: Card issued in Bihar can be used in hospitals in Delhi, Mumbai, Bangalore, or any other state.
Gender Equality - Equal Coverage for All
Both male and female family members get equal coverage. Special focus on women's health with maternity benefits, gynecological procedures, and reproductive health services fully covered.
Includes: Maternity care, C-sections, pregnancy complications, women-specific surgeries.
Digital Health Integration - ABHA Number
Get a unique Ayushman Bharat Health Account (ABHA) number that digitally stores your health records. Access your medical history, prescriptions, and test reports anytime, anywhere through the ABHA app.
Benefit: Paperless health records, easy sharing with doctors, better continuity of care.
| Feature | Ayushman Card | Private Insurance |
|---|---|---|
| Annual Premium | ₹0 (FREE) | ₹10,000 - ₹50,000 |
| Coverage Amount | ₹5 lakh per family | ₹3-10 lakh per person |
| Age Limit | No age limit | Usually up to 65 years |
| Pre-existing Diseases | Covered from day 1 | 2-4 year waiting period |
| Family Size Limit | No limit | Usually 4-6 members |
| Portability | Nationwide (all states) | Limited network |
| Cashless Treatment | Yes, at 27,000+ hospitals | Yes, at network hospitals |
| Eligibility | SECC 2011 listed families | Anyone can buy |
| Renewal | Automatic (no action needed) | Manual renewal required |
Case Study 1: Cancer Treatment
Patient: 55-year-old woman from rural Bihar diagnosed with breast cancer
Treatment: Surgery, chemotherapy, and radiation therapy at AIIMS Delhi
Total Cost: ₹4.2 lakh (surgery ₹1.5 lakh + chemo ₹1.8 lakh + radiation ₹90,000)
Amount Paid: ₹0 (Completely cashless with Ayushman Card)
Benefit: Family saved ₹4.2 lakh + travel costs covered. Treatment in premier hospital despite rural location.
Case Study 2: Heart Surgery
Patient: 62-year-old man from Uttar Pradesh with blocked arteries
Treatment: Coronary bypass surgery (CABG) at empaneled private hospital in Lucknow
Total Cost: ₹3.5 lakh (surgery ₹2.8 lakh + ICU ₹50,000 + medicines ₹20,000)
Amount Paid: ₹0 (Cashless treatment including 15-day post-hospitalization care)
Benefit: Life-saving surgery without selling assets. Pre-existing diabetes also covered.
Case Study 3: Maternity Care
Patient: 28-year-old pregnant woman from Maharashtra with complications
Treatment: Emergency C-section delivery with NICU care for premature baby
Total Cost: ₹1.8 lakh (C-section ₹45,000 + NICU 10 days ₹1.2 lakh + medicines ₹15,000)
Amount Paid: ₹0 (Mother and baby both covered under family card)
Benefit: Both mother and newborn got quality care without financial stress during emergency.
Check Your Eligibility
Verify if you're eligible for Ayushman Card by checking the SECC-2011 database at beneficiary.nha.gov.in or visiting the official portal.
Check Eligibility Now →Get Your Ayushman Card
Download your Ayushman Card online or visit a CSC center to get your card issued. The process is free and takes only 10-15 minutes.
Download Card Now →Find Empaneled Hospital
Locate an empaneled hospital near you using the official PMJAY app or website. All 27,000+ hospitals are listed with contact details.
Find Hospital →Visit Hospital & Show Card
Visit the empaneled hospital with your Ayushman Card and Aadhaar. The hospital will verify your details and provide cashless treatment for all covered procedures.
Several states have added their own top-up schemes to Ayushman Bharat, providing additional coverage beyond the ₹5 lakh limit:
Delhi - Ayushman Bharat + Delhi Arogya Kosh
Additional ₹5 lakh coverage (total ₹10 lakh for Delhi residents)
Gujarat - MA Yojana
Enhanced coverage with additional procedures and hospitals
Andhra Pradesh - Aarogyasri
Integrated with PMJAY for comprehensive coverage
Tamil Nadu - Chief Minister's Health Insurance
Additional state-level benefits for residents
Note: Check with your state health department for specific additional benefits available in your region.
Frequently Asked Questions
Related Resources
Step-by-step guide to download your Ayushman Card in PDF format from official portal.
Verify if you're eligible for Ayushman Card benefits online.
Find empaneled hospitals near you for cashless treatment.
Complete guide to apply for Ayushman Card online and offline.