Complete Guide to Ayushman Card: Eligibility, Application & Benefits

Everything you need to know about the new 'Senior Citizen' rules and online KYC process.

The Ayushman Card Revolution

The Ayushman Bharat card has become the most valuable piece of paper (or digital PDF) for millions of Indian families. As we step into 2026, the scheme has undergone massive upgrades. The government has transitioned from the old BIS 1.0 portal to the new Beneficiary NHA Portal, making self-registration easier than ever. Furthermore, the historic decision to include all citizens aged 70 and above has made this guide essential for every household in India.

1. Who is Eligible in 2026? (The Checklist)

Before attempting to apply, verify your eligibility against these criteria:

Category A: Senior Citizens (New 2026 Rule)

All Indian citizens aged 70 years or older are now eligible for the Ayushman Card, regardless of their income status. Even if you are from a wealthy family, if you are 70+, you get a separate cover of ₹5 Lakh.

Category B: SECC 2011 Data

Families listed in the Socio-Economic Caste Census (SECC) 2011 database based on deprivation criteria (e.g., kuccha house, landless laborer, SC/ST categories).

Category C: State Ration Card Holders

In many states (like UP, Bihar, MP), if you hold an Antyodaya (Red) or Priority Household (White/Yellow) Ration Card with 6+ members, you are automatically eligible.

2. Step-by-Step: How to Apply Online (Self Registration)

You no longer need to visit a CSC center if you have an Aadhaar-linked mobile number. Here is the process for the Beneficiary NHA Portal:

  1. Visit the Portal: Go to beneficiary.nha.gov.in.
  2. Login as Beneficiary: Enter your mobile number and click "Verify". You will receive an OTP. Enter it to login.
  3. Search Beneficiary: Select your State, Scheme (PMJAY), District, and Search By (Aadhaar Number / Family ID / Name).
  4. Check Status: You will see a list of family members.
    • If card status is "Approved": You can download it.
    • If status is "Identified" or "Not Generated": You need to do e-KYC.
  5. Perform e-KYC: Click on the e-KYC icon. Use "Aadhaar OTP" for authentication. Ensure your face matches the photo if using Face Auth.
  6. Submit & Download: Once KYC is verified (usually instant or within 24 hours), the card status changes to Approved. Click the download button to get your PDF.

3. Documents Required for Offline Application

If you are visiting a government hospital or Common Service Center (CSC), carry these original documents:

4. How to Find the Hospital List?

A common misconception is that the card works everywhere. It works only in Empanelled Hospitals.

You can use our Hospital Directory Tool to find hospitals near you. Always check two things:

5. Troubleshooting: Common Errors & Solutions

Error / Issue Solution
Data Mismatch (Name/DOB) If Aadhaar name differs from Ration card, visit a nodal officer at a government hospital with an affidavit or supporting ID.
"Pending for Approval" Wait for 7-15 days. If stuck longer, lodge a grievance at cgrms.nha.gov.in.
OTP Not Received Check Aadhaar-mobile linking status on the UIDAI website. Network issues on NHA portal are common; try late at night.

Conclusion

The Ayushman Card is a lifeline. In 2026, with easier online processes and inclusion of senior citizens, obtaining it is easier than ever. Do not wait for a medical emergency. Check your eligibility today and generate your card.