Ayushman Bharat Golden Card Online Application

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

Ayushman Bharat Golden Card Online Application

The advancements in medical science have made it possible to diagnose 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 steps below:

• Online Application Process

If you are looking to get your Ayushman Golden Card, apply online by following these steps:

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 licence

• 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 following 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.

Benefits of Ayushman Bharat Golden Card

The following are the benefits of the Ayushman Bharat Gold Card:

• Cashless treatment across India:

Beneficiaries can receive medical treatment without having to pay out of pocket at empanelled public and private hospitals. Hospital bills are directly settled under the scheme.

• Coverage up to INR 5 lakh per year:

Each eligible family is entitled to financial coverage of up to INR 5 lakh annually for their medical expenses, such as hospital stays, surgeries, and diagnostics.

• Access to a wide network of hospitals:

The card is accepted at many empanelled hospitals across India, ensuring access to healthcare facilities wherever you are.

• Comprehensive coverage:

The scheme encompasses a broad range of treatments, including surgeries, doctor's check-ups, medical tests, and advanced hospital care.

• Immediate coverage for pre-existing conditions:

There is no waiting period under this scheme. Even pre-existing health conditions are covered from the first day.

• No age or family size limit:

All members of the eligible family can use the benefits, regardless of their age or the number of people in the household.

• Simple and hassle-free process:

The application and usage process are designed to be user-friendly, with very little paperwork and quick access to healthcare services.

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 economically weaker sections of society, the Government of India launched the Pradhan Mantri Jan Arogya Yojana (PM-JAY). This health insurance scheme offers 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 the 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 you are looking for better financial protection during medical emergencies, buying a health insurance plan is a smart choice. Some of the best health insurance plans in India offer wide coverage, so you don’t have to worry about high medical bills. Whether you need a family plan or health insurance for senior citizens, there are options available to suit different needs. You can also consider buying critical illness insurance to cover serious and life-threatening ailments.

Use the online health insurance calculator to compare plans and check premium amounts to find the one that fits your budget.

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

How to Check Name in Ayushman Card Name List Online

Difference Between Ayushman Bharat Health Account and Ayushman Bharat Card

Ayushman Card vs ABHA Card: Key Differences

ABHA Card: Ayushman Bharat Health Account

10 Major Benefits of Ayushman Bharat Yojana