Ayushman Card in Delhi: Benefits, Eligibility & Apply

Ayushman Card in Delhi, Medical treatment can cost a lot of money. Because of this, many families worry about hospital bills. Some people even delay going to the hospital because they do not have enough money.

To help these families, the Government of India started a health scheme called Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY). This scheme helps people who qualify get hospital treatment without paying the covered costs themselves.

Moreover, the Delhi Government has added more health cover to this scheme. The Delhi Government adds another ₹5 lakh of health cover, bringing the total announced cover for eligible families in Delhi to up to ₹10 lakh per year.

However, many people still have questions about the Ayushman Card. They want to know who can get it, what help it gives and how to apply.

In this blog, we will explain everything in easy words. We will also talk about its benefits, who can get it, which papers you need, how to apply online and which hospitals accept this card in Delhi.

What Is Ayushman Card?

An Ayushman Card is a health card that the government gives to people who qualify for the Ayushman Bharat PM-JAY scheme.

This card helps eligible people get treatment at selected government and private hospitals.

In simple words, people do not have to pay for the part of their treatment that the scheme covers. Instead, the scheme pays the hospital under its rules.

The National Health Authority (NHA) runs this scheme with help from state governments.

This scheme helps families who cannot afford costly hospital treatment.

People can use their Ayushman Card at selected hospitals across India. However, the hospital must accept the card, and the scheme must cover the treatment.

What Is Ayushman Bharat PM-JAY?

Ayushman Bharat Pradhan Mantri Jan Arogya Yojana is a health scheme start by the Government of India.

The main goal of this scheme is to help eligible families get hospital treatment without spending too much money.

Under the central PM-JAY scheme, eligible families get health cover of up to ₹5 lakh per year.

In addition, the Delhi Government has added another ₹5 lakh of health cover for eligible families.

The Delhi Government adds another ₹5 lakh of health cover, bringing the total announced cover for eligible families in Delhi to up to ₹10 lakh per year.

The scheme pays for approved hospital treatment, operations and medical care.

How Much Coverage Does Ayushman Card Provide in Delhi?

The central government gives ₹5 lakh of health cover under PM-JAY. The Delhi Government has added another ₹5 lakh.

Here is a simple table:

Health Cover	Amount
Central Government cover	₹5 lakh
Delhi Government extra cover	₹5 lakh
Total announced cover	Up to ₹10 lakh

So, eligible families in Delhi may get health cover of up to ₹10 lakh per year.

However, the government does not give this money directly to families. Instead, it pays the hospital for approved treatment.

Therefore, check your name and treatment details before you visit a hospital.

What Are the Benefits of an Ayushman Card?

The Ayushman Card gives many benefits to eligible families. Most importantly, it helps people get approve hospital treatment without paying the full cover cost.

Let’s look at its main benefits.

1. Cashless Hospital Treatment

People who qualify can get approve treatment at select government and private hospitals.

This means they do not have to pay the covered treatment cost directly to the hospital.

As a result, families can get medical help without worrying about the full hospital bill.

2. Health Cover Up to ₹10 Lakh in Delhi

The central government gives ₹5 lakh of health cover. The Delhi Government has added another ₹5 lakh.

So, eligible families may get total health cover of up to ₹10 lakh per year.

This extra help can make it easier for families to pay for approved hospital treatment.

3. Treatment at Government and Private Hospitals

Ayushman Card holders can get treatment at selected government and private hospitals.

However, not every hospital accepts this card.

Also, some hospitals offer only certain treatments under the scheme. So, call the hospital before you go there.

4. Cover for Existing Diseases

A pre-existing disease is a health problem that a person already has.

For example, diabetes and high blood pressure are health problems that can last for many years.

The PM-JAY scheme covers eligible existing diseases from the first day of cover.

This means eligible patients do not have to wait for a set time to get cover for these health problems.

5. No Family Size Limit

The PM-JAY scheme does not set a fixed limit on the number of family members.

It also does not set a general age limit for family members under the standard scheme.

So, eligible families can add their verified members under the scheme rules.

6. Hospital and Treatment Costs

The scheme pays for many hospital costs under approved treatment plans.

For example, these costs may include:

Hospital room and bed charges.
Nursing and medical care.
Medicines used during treatment.
Medical tests related to treatment.
Doctor and surgery charges.
Food during the hospital stay.
Eligible costs before and after hospital treatment.

Moreover, standard PM-JAY rules cover up to 3 days of costs before hospital admission and up to 15 days after hospital admission. However, these benefits depend on the treatment plan approved by the scheme.

Who Is Eligible for an Ayushman Card in Delhi?

Not everyone who lives in Delhi can get an Ayushman Card.

The government checks its approved records to find people who qualify. So, you must check whether your name appears on the list.

Let’s understand who may get this card.

1. Families Listed Under PM-JAY

The government checks approved records to find families who qualify.

These records include Socio-Economic Caste Census (SECC) 2011 data and other allowed records.

So, first check whether your name appears on the official list.

2. Eligible Family Members

If the government finds that a family qualifies, its verified members can also get benefits under the scheme.

Also, the standard scheme does not set a general age or family-size limit for eligible family members.

3. Senior Citizens Aged 70 Years and Above

The government also gives special health benefits to people aged 70 years and above.

The good news is that people in this age group can qualify even if they have a high income.

Under this special benefit, eligible senior citizens can get health cover of up to ₹5 lakh.

They can apply through the official website or Ayushman App. However, they must complete Aadhaar-based e-KYC.

Important: People aged 70 years and above follow separate scheme rules. So, do not think that everyone in this age group will automatically get the combined Delhi cover of ₹10 lakh.

How to Check Your Ayushman Card Eligibility in Delhi

You can check whether you qualify for an Ayushman Card online. Just follow these easy steps:

First, visit the official website: https://beneficiary.nha.gov.in/
Next, choose the beneficiary option.
Enter your mobile number.
Now, enter the OTP that you get on your phone.
Choose Delhi as your state.
Select the search option shown on the website.
Enter the details the website asks for.
Check whether your name appears on the list.
Finally, follow the website steps to complete the check if you qualify.

If you cannot check your details online, visit a nearby Common Service Centre (CSC) or an authorised Ayushman help desk.

You can also call 14555 for help.

How to Apply for an Ayushman Card in Delhi?

People who qualify can apply for an Ayushman Card online.

The process is simple. Just follow these steps.

Step 1: Visit the Official Website

First, open the official Ayushman website:

https://beneficiary.nha.gov.in/

You can use this website to check your name and start the card-making process.

Step 2: Log In to Your Account

Next, choose the beneficiary option.

Enter your mobile number. Then, enter the OTP that you get on your phone.

Step 3: Select Your State

Now, choose Delhi from the list of states.

After that, select the search option shown on the website.

Step 4: Search Your Name

Enter the details the website asks for.

If your name appears in the government records, the website will show your family details.

So, check your name and other details carefully.

Step 5: Complete e-KYC

If you qualify, complete the identity check.

For example, the website may ask you to check your Aadhaar details through an OTP or fingerprint scan.

Step 6: Submit Your Details

Next, check all your details carefully.

Then, send the required information. After that, the government will check your details before it approves your card.

Step 7: Download Your Ayushman Card

Once the government approves your details, you can download your Ayushman Card from the official website.

Save the card on your mobile phone. You can also print it and take it with you when you visit a hospital.

Important: Sending the form does not mean that you will get an Ayushman Card for sure. The government must check and approve your details first.

What Documents Are Require for an Ayushman Card?

Before you apply, keep some important papers ready.

You may need these papers:

Aadhaar Card.
Mobile number.
Ration Card, if required.
Other government ID proof, if asked.
Family details.

Also, people aged 70 years and above must complete Aadhaar-based e-KYC for the special benefit.

However, the papers you need may depend on the group you belong to.

So, check the official website or ask an authorised help desk before you apply.

Which Hospitals Accept Ayushman Card in Delhi?

People who qualify can get treatment at government and private hospitals that take part in the Ayushman Bharat scheme.

However, not every hospital accepts this card.

Also, some hospitals offer only certain treatments under the scheme.

Therefore, check the hospital details before you plan your treatment.

How to Find an Ayushman Card Hospital in Delhi

You can find hospitals that accept the Ayushman Card online. Just follow these steps:

First, visit the official hospital search website: https://hem.nha.gov.in/
Next, open the hospital search option.
Choose Delhi as your state.
Select the district or hospital type, if the website shows these options.
Now, search for hospitals.
Check the hospital name and the services it offers.
Finally, call the hospital to ask whether it offers the treatment you need.

You can also call 14555 for help finding a hospital that takes part in the scheme.

Which Treatments Are Cover Under Ayushman Card?

The Ayushman Bharat scheme covers many approved hospital treatments.

For example, these treatments may include:

Heart treatment.
Cancer treatment.
Kidney treatment.
Bone and joint treatment.
General surgery.
Brain and nerve treatment.
Some serious illness treatments.
Other approved medical treatments.

However, the scheme does not pay for every disease or medical service.

For example, normal OPD visits and beauty-relate treatments are generally not cover under standard PM-JAY rules.

So, always ask the hospital whether the scheme covers your treatment before you get admit.

Is Treatment Completely Free Under Ayushman Card?

The Ayushman Card helps eligible people get treatment without paying for the covered costs under approved hospital plans.

This means patients do not have to pay the covered amount directly when the hospital approves their treatment.

However, the scheme does not cover every medical service.

For example:

Normal OPD visits are generally not cover.
The scheme may not cover treatments outside its approved plans.
Some extra services may cost more.
Patients must complete the required identity and eligibility checks.

So, talk to the hospital’s Ayushman help desk before you get admit.

Also, ask the hospital which services the scheme will pay for and whether you need to pay for anything extra.

What Should You Do If a Hospital Refuses Your Ayushman Card?

Sometimes, people face problems when they try to use their Ayushman Card.

For example, the hospital may not find their name in the system. Also, the hospital may not offer the treatment they need.

In this case, follow these easy steps:

First, visit the hospital’s Ayushman help desk.
Ask the staff to check your card and family details.
Next, ask whether the hospital offers the treatment you need.
Ask why the hospital cannot use your card.
If you still need help, call the Ayushman helpline at 14555.
You can also use the official complaint website to report your problem.

You can also visit the Delhi Health Department’s complaint page:

https://health.delhi.gov.in/health/grievance-cell

Keep your Ayushman Card and other important papers ready when you make a complaint.

Important Things to Remember Before Using Your Ayushman Card

Before you visit a hospital, remember these important points:

First, check your name on the official website.
Always carry your Ayushman Card and Aadhaar Card.
Choose a hospital that takes part in the scheme.
Ask whether the hospital offers the treatment you need.
Check the hospital’s rules for admission and approval.
Never pay anyone who promises to get you an Ayushman Card.
Call the official helpline if you face any problems.

By following these simple steps, you can avoid problems and understand your health benefits better.

Conclusion

The Ayushman Card helps eligible families get approve hospital treatment without paying the full cover cost themselves.

Moreover, the Delhi Government has added more health cover to the central PM-JAY scheme. So, the announced total cover can reach up to ₹10 lakh per eligible family per year.

However, you should check the rules before you use your card.

If you live in Delhi, first check your name on the official Ayushman website. Next, find a hospital that takes part in the scheme. Then, ask whether it offers the treatment you need.

At Nova Neo Hospital, we believe that good health information helps people make better choices. So, we encourage patients and families to learn about government health schemes and check hospital services before planning treatment.

Your health matters. So, check whether you qualify, learn about your benefits and make the right choices for your health.

What is an Ayushman Card?

An Ayushman Card is a government health card under AB PM-JAY. It helps people who qualify get treatment at selected hospitals without paying the covered cost themselves.

How much money does an Ayushman Card provide in Delhi?

The central government gives ₹5 lakh of health cover. The Delhi Government has added another ₹5 lakh. So, the announced total cover can reach up to ₹10 lakh per eligible family per year.

Who can get an Ayushman Card in Delhi?

Families listed in the approved government records can qualify under the scheme rules. Also, people aged 70 years and above can qualify under the special senior citizen benefit, no matter how much they earn.

How can I apply for an Ayushman Card online?

First, visit https://beneficiary.nha.gov.in/. Next, log in with your mobile number and check whether you qualify. If you qualify, complete e-KYC and follow the website steps to make your card.

Is an Aadhaar Card necessary for an Ayushman Card?

The card-making process requires Aadhaar-based e-KYC where applicable. So, keep your Aadhaar details ready and follow the steps on the official website.