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Ayushman Bharat Golden Card

Ayushman Bharat Golden Card 2026

Complete e-KYC Guide | Check Eligibility & Download PMJAY Card

The Pradhan Mantri Jan Arogya Yojana (PM-JAY), commonly known as the Ayushman Bharat Golden Card, is the world's largest health insurance scheme. It provides free medical coverage of up to ₹5 Lakhs per family per year at empaneled government and private hospitals. The National Health Authority (NHA) has now launched a unified Beneficiary Portal, making it easier than ever for citizens to check their eligibility, complete their e-KYC, and download their Golden Card online.

Scheme Overview
Scheme NamePM-JAY
Health Cover₹ 5 Lakh / Year
Official PortalNHA Beneficiary
Online FeesFree (₹ 0)
Who is Eligible for the Ayushman Card?

Your eligibility is primarily determined by government databases. You are automatically eligible if your family falls under any of these categories:

Category A (Data-Based)

Families listed in the SECC 2011 Data (Socio-Economic Caste Census).
Registered beneficiaries under the PM-KISAN Samman Nidhi Yojana.

Category B (Document-Based)

Holders of the Antyodaya Anna Yojana (AAY) Ration Card (Lal Ration Card).
Registered Construction & Building Workers (Labour Card/Shramik Card holders).

Mandatory Documents for e-KYC

To generate and download your Ayushman Card online, you must have the following details handy:

  • Aadhaar Card: (Must be linked with an active mobile number for online OTP-based e-KYC).
  • Family Proof: Ration Card Number or Family ID (Parivar Pehchan Patra).
  • Active Mobile Number: Required to log into the Beneficiary Portal.

Step-by-Step e-KYC & Download Process

1

Login to Beneficiary Portal

Visit the official NHA Beneficiary Portal (link below). Select the 'Beneficiary' login option. Enter your active mobile number, verify via OTP, and fill the captcha to log in.

2

Search Your Family

Select your State, Scheme (PMJAY), District, and Search By option (Aadhaar Number, Ration Card, or Family ID). Click the search icon to display your family list.

3

Complete e-KYC Authentication

If your card status shows 'Not Generated', click the action icon. Authenticate yourself using Aadhaar OTP. Provide a live photo and fill in the required matching details.

4

Approval & Download

Once e-KYC is submitted, the system verifies your data. Once approved, the status changes to 'Approved', and you can instantly click the download icon to save your Golden Card PDF.

Facing Aadhaar OTP or Biometric Issues?

While the NHA portal allows individuals to apply via Aadhaar OTP, many senior citizens and rural residents face a major hurdle: Their mobile number is not linked to their Aadhaar, or the OTP fails. In such cases, e-KYC can only be done using a Fingerprint Scanner (Biometric) or Iris/Face Authentication.

If you or your family members are facing this issue and belong to Mainpuri, do not worry. Visit our certified Avi Jan Seva Kendra (Avi CSC Point). As an authorized operator, we have certified biometric devices to instantly scan your thumb impression, complete your e-KYC, and print your PVC Ayushman Golden Card securely within minutes.

Public Fraud Alert

Beware of unauthorized agents, fake WhatsApp links, or unofficial apps claiming to "add your name to the Ayushman List" for ₹500 or ₹1000. No one can manually add a name to the PMJAY list. Eligibility is purely decided by the Government databases (SECC/Ration Card). Always use the official NHA portal linked below or visit a verified CSC center.

Important Official Links
Apply / e-KYC Ayushman Card (Beneficiary Login)
Beneficiary Login
Download Approved Ayushman Card PDF
Download Card
Check Empaneled Hospital List (Free Treatment)
Find Hospital
Official PM-JAY Web Portal
Official Website

Frequently Asked Questions (FAQs)

Can I add a new member to an existing Ayushman Card?
Yes, if a new baby is born or a daughter-in-law is added to the family, you can add them to the existing PMJAY family profile. You will need their Aadhaar card, the primary beneficiary's Ayushman card, and proof of relation (like a Birth Certificate or Marriage Certificate).
What should I do if my name is not in the list?
If your name is not in the SECC 2011 list or you don't meet the eligibility criteria (like having a Labour Card or eligible Ration Card), you cannot manually apply for it online. You have to wait for the government to expand the eligibility database.
Is there any fee to download the Ayushman Card online?
No, if you are downloading the card yourself from the official NHA Beneficiary portal using Aadhaar OTP, it is completely free. However, if you visit a CSC center to get it printed on a smart PVC card, a nominal printing fee will be charged.
Does the ₹5 Lakh limit apply to one person or the whole family?
The health insurance coverage of ₹5 Lakhs is per family, per year. This means the entire family shares this cover on a floater basis for secondary and tertiary care hospitalization.
Do I need to renew the Ayushman Card every year?
No, the Ayushman Bharat Golden Card does not require yearly renewal. The ₹5 Lakh wallet limit is automatically reset every financial year for eligible families.
Where can I use this card for treatment?
The card is valid across India at any government hospital and at strictly empaneled private hospitals under the PM-JAY scheme. You can find the nearest hospital using the link provided in the table above.