How Many Times Can You Use the Ayushman Card for Free Treatment? Complete Guide

Kokila Chokkanathan
The Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana (PMJAY) is one of India’s largest health insurance schemes, ensuring economically weaker families can access healthcare without worrying about costs. Here’s everything you need to know, broken down in a simple listicle format.

1. What is the Ayushman Bharat PM-JAY Scheme?

· Launched to provide health coverage of up to ₹5 lakh per family per year.

· Targets economically weaker families, covering hospitalization, surgeries, and critical illnesses.

· Cashless treatment is available in empanelled public and private hospitals across India.

2. Who is Eligible for the Ayushman Card?

· Families listed under the SECC (Socio-Economic Caste Census) database.

· No age limit – all family members are covered.

· BPL (Below Poverty Line) families and certain other vulnerable groups are prioritized.

3. How Many Times Can You Use the Ayushman Card?

· The card can be used multiple times in a year.

· The total coverage limit is ₹5 lakh per family per year, not per individual.

· You can avail of treatment in different hospitals multiple times until the annual limit is reached.

4. What Treatments Are Covered?

· Hospitalization costs for surgeries, ICU care, and medical procedures.

· Pre-existing illnesses are included from day one.

· No cap on the number of hospital visits as long as the total treatment cost stays under ₹5 lakh.

5. How to Avail Free Treatment Using the Ayushman Card?

Step 1: Check Eligibility

· Visit the official PMJAY website or use the Ayushman Mitra mobile app.

Step 2: Locate an Empanelled Hospital

· Only PMJAY-approved hospitals provide cashless treatment.

Step 3: Show Your Ayushman Card

· Present the card (digital or physical) at the hospital.

· No upfront payment is required.

Step 4: Treatment and Discharge

· Hospital directly claims payment from the PMJAY authority.

· Patient leaves without paying medical bills.

6. Important Tips & Reminders

· Keep your Ayushman Card and family ID handy.

· Verify the hospital’s empanelled status before admission.

· Check your annual limit to avoid treatment denial.

7. Final Takeaway

The Ayushman Bharat PMJAY is a game-changer for families who struggle with healthcare costs. With multiple visits allowed under the ₹5 lakh annual limit, it ensures that financial worries never block access to medical care.

 

Disclaimer:

The views and opinions expressed in this article are those of the author and do not necessarily reflect the official policy or position of any agency, organization, employer, or company. All information provided is for general informational purposes only. While every effort has been made to ensure accuracy, we make no representations or warranties of any kind, express or implied, about the completeness, reliability, or suitability of the information contained herein. Readers are advised to verify facts and seek professional advice where necessary. Any reliance placed on such information is strictly at the reader’s own risk.

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