Ayushman Card: दिव्यांगजन ₹5 लाख तक मुफ्त इलाज का आयुष्मान भारत कार्ड मोबाइल से कैसे बनाएं? (Complete 2026 Guide)
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Healthcare expenses, regular therapies, corrective surgeries, and hospitalisation costs can place a heavy financial burden on families with a disabled member. Under the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY), the Government of India provides ₹5,00,000 (5 Lakh) per family per year in completely cashless treatment at more than 29,000 government and empanelled private hospitals across India.
Under the Socio-Economic Caste Census (SECC) and NFSA Ration Card expansion rules, households that have a Person with Disability (Divyangjan) and no able-bodied adult member, or families holding Antyodaya (AAY), BPL, PHH Ration Cards, or senior citizens aged 70+, receive priority inclusion under Ayushman Bharat.
1. What is Ayushman Bharat PM-JAY Card for Divyangjan (PwD)?
Ayushman Bharat PM-JAY is the world’s largest government-funded health assurance scheme. Once a beneficiary’s Ayushman Card is generated via Aadhaar e-KYC, they can walk into any empanelled hospital anywhere in India and avail cashless medical and surgical care without paying a single rupee out of pocket.
- Coverage Amount: Up to ₹5,00,000 per family per year (on a family floater basis).
- Pre-Existing Conditions Covered from Day 1: All pre-existing medical conditions, congenital conditions, orthopedic procedures, neurological treatments, and ophthalmic surgeries are covered from the very first day.
- Pre & Post-Hospitalisation Expenses: Covers 3 days of pre-hospitalisation diagnostics and 15 days of post-hospitalisation medicines and follow-up care.
2. Key Benefits of ₹5 Lakh Cashless Health Cover
| Feature / Benefit | Coverage Details under Ayushman Bharat (PM-JAY) |
|---|---|
| Annual Health Cover | ₹5,00,000 per family per year (Cashless & Paperless) |
| Medical Packages Covered | Over 1,949 procedures including Orthopedics, Neurology, Oncology, Cardiology & Eye Care |
| Family Size & Age Limit | No cap on family size or age of family members (70+ seniors get dedicated top-up cover) |
| Portability Across India | Valid in 29,000+ Govt & Private empanelled hospitals across all states |
| Official Portal | beneficiary.nha.gov.in |
3. Eligibility Criteria for Persons with Disabilities (PwD)
You and your family are eligible to make an Ayushman Card if you fall under any of the following categories:
- SECC Deprivation Criterion (D3): Any household with a disabled member (Divyangjan) and no able-bodied adult member between 16 and 59 years of age is automatically eligible.
- NFSA Ration Card Holders: Families holding Antyodaya Anna Yojana (AAY), Priority Household (PHH), or state-recognised BPL/Food Security Ration Cards (such as UP, Bihar, MP, Rajasthan, Maharashtra, Gujarat, Odisha Gopabandhu / Ayushman convergence).
- BOCW / E-Shram Registered Workers: Registered construction workers and eligible unorganised sector families.
- Senior Citizens (70+ Years): Every citizen aged 70 years and above is eligible for ₹5 Lakh Ayushman Vaya Vandana Card regardless of income.
4. Essential Documents Required for Application
- Aadhaar Card (linked with an active mobile number for OTP e-KYC, or fingerprint verification at CSC).
- Ration Card / Family ID (such as Parivar Pehchan Patra, Samagra ID, or NFSA Ration Card number).
- UDID Card / Disability Certificate (helpful when applying through District Hospital Ayushman Mitra desk).
- Active Mobile Number.
5. Mobile से Ayushman Card कैसे बनाएं? (Step-by-Step Online Process)
Now you do not need to stand in long queues. You can make and download your Ayushman Card directly from your smartphone in 5 minutes:
- Step 1 — Open Official NHA Portal: Visit beneficiary.nha.gov.in or download the official Ayushman App from Google Play Store.
- Step 2 — Login as Beneficiary: Select the “Beneficiary” tab, enter your mobile number, and verify using the 6-digit OTP.
- Step 3 — Search Your Name: Select your State, Scheme (PMJAY), and District, then search by Aadhaar Number or Family ID (Ration Card Number).
- Step 4 — Complete Aadhaar e-KYC: Click on the e-KYC icon next to your name. Choose Aadhaar OTP (or Face Auth via mobile camera), capture a live passport-style photo, and submit.
- Step 5 — Instant Approval & Download: Once your e-KYC matches above 80%, your card status turns “Approved” within a few minutes. Click Download Card to save your Ayushman Bharat PDF card!
6. Ayushman Bharat Card vs Niramaya Health Insurance
Many persons with disabilities ask whether they should apply for Ayushman Bharat or Niramaya Health Insurance:
- Ayushman Bharat (₹5 Lakh Cover): Covers inpatient hospitalisation, surgeries, ICU, and critical treatments for eligible families across all 21 RPwD disabilities.
- Niramaya Health Insurance (₹1 Lakh Cover): Specifically run by the National Trust for Autism, Cerebral Palsy, Mental Retardation (Intellectual Disability), and Multiple Disabilities — and it also covers OPD medicines, regular speech/occupational therapy, and corrective treatment without hospital admission! Eligible families can hold both cards.
7. Frequently Asked Questions (FAQs)
Q1. क्या UDID Card से सीधे आयुष्मान कार्ड बन सकता है?
उत्तर: यदि आपका परिवार SECC-2011 सूची (जहाँ परिवार में दिव्यांग सदस्य हो) या राशन कार्ड (NFSA/AAY/PHH) में शामिल है, तो आप आधार नंबर से तुरंत ऑनलाइन e-KYC करके आयुष्मान कार्ड डाउनलोड कर सकते हैं।
Q2. अगर लिस्ट में नाम नहीं दिख रहा तो क्या करें?
उत्तर: आप अपने नजदीकी सरकारी जिला अस्पताल में “Ayushman Mitra Helpdesk” पर अपना राशन कार्ड, आधार कार्ड और UDID कार्ड लेकर जाएं या हेल्पलाइन नंबर 14555 पर कॉल करके पात्रता जुड़वा सकते हैं।
Q3. आयुष्मान कार्ड बनाने या डाउनलोड करने की फीस कितनी है?
उत्तर: आधिकारिक पोर्टल (beneficiary.nha.gov.in) और Ayushman App पर यह 100% निःशुल्क (Free) है।
