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How to Claim PMJAY Ayushman Bharat Cashless 2026

PMJAY Claim - cashless ₹5L cover at empanelled hospitals.

📁 Healthcare ⏱️ 30-45 mins 💰 Free

About This Guide

PMJAY cashless treatment up to ₹5L per family/year at 26,000+ empanelled hospitals. SECC-eligible + Ayushman Vay Vandana (70+). Pre-authorization mandatory.

Eligibility Criteria

Ayushman Bharat eligible
OR Vay Vandana 70+
PMJAY card
Empanelled hospital

Documents Required

Keep these documents ready before starting application. Missing documents = delayed approval.

PMJAY Golden Card
Aadhaar of patient
Family Aadhaar
Doctor referral
Hospital empanelment verified

Step-by-Step Application Process

Follow these steps in order. Each step is critical - skip none.

Verify Hospital

pmjay.gov.in → Find Hospital.

Carry Card

Golden Card OR digital ID.

Hospital Admission

Empanelled desk.

Show Card

Real-time verification.

Diagnosis

Treatment plan, package selection from 1,949.

Pre-Authorization

Hospital submits. Approval 1-24 hours.

Approval

Treatment cashless begins.

Treatment

Per package. Up to ₹5L family limit.

Discharge

Final claim submitted.

Settlement

No money exchange. Hospital paid by trust.

Key Benefits

₹5L family cover/year
Cashless 26,000+ hospitals
1,949 packages
Pre-existing covered
7 days pre + 10 days post
Family floater

What Happens After Application?

Treatment cashless. Annual ₹5L resets each year.

Frequently Asked Questions

Hospital refuses?

Verify empanelment. Complaint at 14555.