Is there an income limit for Ayushman Card?

Ayushman Card eligibility is not based on a fixed income limit. It is determined by the Socio-Economic Caste Census (SECC) 2011 data, which considers deprivation criteria like housing, income sources, and family status. Some states have expanded criteria to include additional families.

Can government employees get Ayushman Card?

Generally, government employees are not eligible for Ayushman Card as they already have health coverage (CGHS/State schemes). However, retired employees without other health coverage and those meeting SECC deprivation criteria may be eligible in some states.

Is Ayushman Card available for middle-class families?

Originally, Ayushman Card targeted economically weaker sections based on SECC data. However, with the 2024 expansion for senior citizens above 70 years, even middle-class families with elderly members can now get coverage regardless of income.

How to check if I am eligible for Ayushman Card?

You can check eligibility at beneficiary.nha.gov.in using your mobile number, Aadhaar number, or Ration Card number. You can also call the PMJAY helpline at 14555 or visit a CSC center for eligibility verification.

Can NRI or people living abroad get Ayushman Card?

No, Ayushman Card is only for Indian residents who are listed in the SECC database or meet state-specific eligibility criteria. NRIs and foreign nationals are not eligible.

My family was not in SECC list. Can I still apply?

Some states have expanded eligibility beyond SECC. Check your state's specific criteria. Additionally, if you have a senior citizen above 70 in your family, they are now eligible under the 2024 expansion regardless of SECC status.

Ayushman Card Download

Who is Eligible for Ayushman Card in 2025?

Complete eligibility guide including the new 2024 expansion for senior citizens above 70 years

Updated: February 2025 5 min read

55 Crore+

Eligible beneficiaries

₹5 Lakh

Per family per year

12 Crore+

Families covered

Original SECC-Based Eligibility (Rural)

Families identified through SECC 2011 data meeting at least one deprivation criterion:

Families without shelter (houseless)

Destitute living on alms

Manual casual labour families

Primitive tribal groups

Legally released bonded labour

Families with no adult member (16-59 age)

Female-headed household with no male earner

SC/ST households

SECC-Based Eligibility (Urban)

Urban families in following occupational categories:

Rag pickers & beggars

Domestic workers

Street vendors & cobblers

Construction workers

Plumbers, masons, painters

Sweepers, sanitation workers

Transport workers (drivers, conductors)

Shop workers, assistants, peons

🆕 2024 Expansion – Senior Citizens Above 70

In September 2024, the government expanded Ayushman Bharat to cover all senior citizens aged 70 years and above, regardless of income or SECC status.

No income limit for 70+ seniors

Separate ₹5 lakh top-up cover

Covers ~6 crore additional seniors

Even if family has other insurance

Who is NOT Eligible?

Families NOT listed in SECC data (unless 70+ expansion applies)

Government employees with existing health schemes

Families owning motorized vehicles (2/3/4 wheelers)

Families owning mechanized agricultural equipment

Kisan Credit Card holders with ₹50,000+ limit

Families with income tax payers

How to Check Your Eligibility

Visit Official Portal

Go to beneficiary.nha.gov.in or mera.pmjay.gov.in

Enter Your Details

Enter mobile number, Aadhaar number, or Ration Card number

Verify & Check

Complete OTP verification and view your eligibility status

💡 Tip: You can also call 14555 (toll-free) or visit any CSC center to check eligibility.

FAQs – Ayushman Card Eligibility

Related Eligibility Guides

Ayushman Card Eligibility Check

Check your PMJAY eligibility online

Check Beneficiary List

Find your name in Ayushman list

Apply Online 2025

Step-by-step application guide

Senior Citizens Coverage

New 70+ age expansion details

Check Your Eligibility Now

Verify if your family is eligible for free ₹5 lakh health coverage.

Disclaimer: Eligibility criteria may vary by state. Check official portals for the latest information.