How to Apply for Ayushman Bharat Golden Card Online

Posted on: Dec 17, 2024 | 3 mins | Written by: HDFC ERGO Team

How to Apply for Ayushman Bharat Golden Card Online

The progress in the medical science domain has made it possible to find diagnoses for several ailments. However, medical advancement has also increased the cost of healthcare facilities. While people from urban spaces with well-paying jobs can afford to go to private hospitals for treatment, the lower-income groups don’t have that kind of monetary power. That’s why Pradhan Mantri Jan Arogya Yojana (PM-JAY), a part of the Ayushman Bharat campaign, comes into the picture. Now, you may have heard a lot about this world’s largest health assurance scheme launched by the Government of India, but do you know how to avail of cashless treatments? Let’s find out.

Ayushman Bharat Golden Card Application Process

The Ayushman Bharat Golden Card allows beneficiaries under the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) to access cashless treatments at empanelled hospitals across India. You can apply online or offline by following the below steps.

• Online Application Process

Here’s the step-by-step guide to apply for the card online –

Step 1:

Visit the official website of PM-JAY: https://pmjay.gov.in/. Click on `Am I Eligible’.

Step 2:

Step 3:

Enter the OTP. Provide your details, such as name, mobile number, ration card number, state, etc., to check your eligibility.

Step 4:

Locate the nearest Common Service Centre (CSC) by clicking on `Find CSC’ on the website.

Step 5:

Visit the CSC along with the required documents for verification. You have to undergo biometric verification using your Aadhaar Card for authentication.

Step 6:

Upon successful verification and approval, your Ayushman Bharat Golden Card will be generated. You can download it from the website. If you need a printed copy, you can get it at the CSC by paying a nominal fee.

• Offline Application Process

The process to apply for the card offline is as below –

Step 1:

Go to the nearest CSC along with the required documents.

Step 2:

The CSC officer will verify your eligibility using your Aadhaar or mobile number.

Step 3:

Provide the necessary documents. Once the application is verified and approved, the Ayushman Bharat Golden Card will be issued.

Documents Required to Apply for Ayushman Bharat Golden Card

The list of documents required for the Ayushman Bharat Golden Card includes –

• Identity Proof:

The Aadhaar Card is mandatory

• Address Proof:

Ration card/utility bill (water or electricity)/voter card/driving license

• Proof of Eligibility:

Income certificate or caste certificate

• Family Details:

Aadhaar Number, age, or family photographs

• Additional Details:

Mobile number, bank account number, or email ID

Who is Eligible?

The PM-JAY is meant to provide free healthcare services for the economically weaker sections of society. The applicant must meet the below eligibility criteria to become a beneficiary of the scheme –

1. Rural Households

• No adult members between 16 and 59 years of age

• Households with a single room with kuccha walls and roof

• No adult male members between 16 and 59 years

• Households with differently-abled members and no able-bodied adult members

• Landless households earning a livelihood through manual labour

• Scheduled Caste/Scheduled Tribes

2. Urban Households

• Ragpickers, beggars, domestic workers

• Street vendors, cobblers, hawkers, and others in informal occupations

• Construction workers, plumbers, and masons

• Artisans, tailors, and other similar low-income workers

• Security guards and cleaners

3. Other PM-JAY beneficiaries include homeless individuals, families depending on charity or alms, and families living in tribal areas, slums, or makeshift arrangements.

Conclusion

Health insurance, whether individual or family health insurance covering your parents as well, is a must for financial security against high healthcare costs. To make healthcare accessible to the economically weaker sections of society, the Government of India launched the Pradhan Mantri Jan Arogya Yojana (PM-JAY), a health insurance scheme offering free healthcare services. To avail of cashless treatment at any empanelled hospital, the beneficiaries of PM-JAY must have the Ayushman Bharat Golden Card. How to apply for Ayushman Bharat Golden Card online or offline is an easy process and will be generated based on eligibility. Keep the necessary documents handy for authentication. If the scheme does not cover critical illnesses, consider buying critical illness insurance for additional financial protection.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

What is the difference between the Ayushman Bharat Card and the Health ID card?

Can we claim the Ayurveda treatment cost under a health insurance if we are admitted in an Ayurveda hospital?

ABHA Card: Ayushman Bharat Health Account

A Comprehensive Guide to Health Insurance and AYUSH Benefits

10 Major Benefits of Ayushman Bharat Yojana