The Pradhan Mantri Jan Arogya Yojana (PMJAY) under the flagship initiative Ayushman Bharat is one of India’s largest government-funded health insurance programs. It provides cashless treatment coverage up to ₹5 lakh per family per year across empanelled hospitals.
In this complete guide, we explain how to download your PMJAY ID card, add family members, and manage your beneficiary account step-by-step using the official portal:
What is PMJAY Health Insurance?
PMJAY (Ayushman Bharat Yojana) is designed to provide free health insurance coverage to economically weaker families in India. Managed by the National Health Authority (NHA), it ensures access to quality healthcare without financial burden.
Key Benefits
₹5 lakh annual coverage per family
Cashless treatment in public and private hospitals
Coverage for secondary and tertiary care hospitalization
No restriction on family size or age
Nationwide portability
How to Check PMJAY Eligibility (Quick Step)
Before downloading your card, confirm eligibility:
Visit 👉 https://beneficiary.nha.gov.in/
Click on “Am I Eligible”
Enter your mobile number
Verify with OTP
Search using:
Ration Card Number / Mobile Number / Name
If eligible, your details will appear instantly.
How to Download PMJAY ID Card (Step-by-Step Guide)
Downloading your Ayushman Bharat Card (Golden Card) is simple. Follow these exact steps:
Step 1: Visit Official Portal
Go to the official PMJAY beneficiary portal:
👉 https://beneficiary.nha.gov.in/
Step 2: Login with Mobile Number
Enter your registered mobile number
Verify using OTP
Step 3: Search Beneficiary Details
Select State
Search using:
Name
Family ID
Aadhaar Number
Step 4: Select Your Record
Click on your name from the list
Verify your family details
Step 5: Download Ayushman Card
Click “Download Card”
Save the PDF or print it directly
Important Tip
Ensure your Aadhaar is linked for faster verification and seamless download.
How to Add Members in PMJAY (Full Process)
Adding family members is essential to ensure complete coverage. Here’s the official method:
Step 1: Login to Beneficiary Portal
Use your mobile number and OTP at:
👉 https://beneficiary.nha.gov.in/
Step 2: Access Family Details
Navigate to “Family Details” section
Check existing members
Step 3: Click “Add Member”
Enter new member details:
Name
Age
Gender
Relationship
Step 4: Upload Documents
Aadhaar Card (mandatory)
Ration Card (if required)
Supporting identity proof
Step 5: Submit for Approval
Submit the request
Wait for verification by authorities
Step 6: Approval & Card Update
Once approved, the new member will:
Be added to your PMJAY family list
Become eligible for benefits
Get included in the downloadable ID card
Documents Required for PMJAY Registration & Member Addition
To avoid rejection, keep these documents ready:
Aadhaar Card
Ration Card
Mobile Number (linked with Aadhaar)
Address Proof
Family ID (if available)
Common Issues While Downloading PMJAY Card (Solutions)
1. OTP Not Received
Ensure your mobile number is active
Try resending OTP after 60 seconds
2. Name Not Found
Check spelling
Try alternate search options like ration card or Aadhaar
3. Member Not Added
Wait for approval (usually 24–72 hours)
Re-upload correct documents if rejected
Benefits of Downloading PMJAY Card
Downloading your card gives immediate access to:
Cashless hospital admission
Faster verification at hospitals
Easy tracking of benefits and claims
Nationwide portability across empanelled hospitals
How to Use PMJAY Card in Hospitals
Visit a PMJAY empanelled hospital
Show your Ayushman Card
Hospital verifies eligibility
Get cashless treatment instantly
No payment is required for covered treatments.
PMJAY Coverage Details
Covered Services
Surgery costs
ICU charges
Medicines
Diagnostics
Pre and post hospitalization
Not Covered
OPD treatments
Cosmetic procedures
Non-medical expenses
Why PMJAY is Important in 2026
With rising healthcare costs, PMJAY ensures:
Financial protection for families
Access to advanced medical treatments
Reduction in out-of-pocket expenses
This makes it one of the most powerful healthcare safety nets in India.
Pro Tips for Faster Approval & Card Download
Always use Aadhaar-linked mobile number
Ensure correct spelling of names
Upload clear document scans
Avoid duplicate entries
Regularly check application status
Conclusion
The PMJAY Health Insurance Scheme under Ayushman Bharat is a life-changing initiative that provides free, cashless healthcare coverage to millions of families. By following the above step-by-step process, we can easily:
Download PMJAY ID Card
Add family members
Access ₹5 lakh health coverage benefits
Make sure to complete your registration and keep your Ayushman Card ready to take full advantage of this powerful healthcare scheme.
Stay updated. Stay insured. Stay protected with PMJAY.
