The Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) is one of India's largest government health insurance schemes, providing eligible families with cashless treatment at empanelled hospitals. However, many beneficiaries face difficulties because they are unaware of the scheme's rules and requirements.

Here are seven important things every Ayushman Bharat card holder should know.

1. Check Whether Your Name Is in the Beneficiary List

Before visiting a hospital, confirm that you are listed as an eligible beneficiary under the scheme. Eligibility is determined based on government records, and having an Ayushman card alone may not be sufficient if your details are incorrect.

2. Carry a Valid Identity Document

When seeking treatment, keep your Ayushman card and a valid identity document handy. Hospitals may ask for identity verification before processing your cashless treatment request.

3. Choose an Empanelled Hospital

Cashless treatment under the scheme is available only at hospitals that are officially empanelled under Ayushman Bharat. Verify the hospital's status before admission.

4. Understand What Is Covered

The scheme covers a wide range of medical procedures and hospitalisation expenses. However, not every treatment or service may be included. Ask the hospital about the coverage before starting treatment.

5. Keep Your Mobile Number Updated

A registered mobile number helps you receive important notifications related to your Ayushman Bharat account and treatment approvals. Make sure your contact details are current.

6. Verify Your Family Details

Check that all eligible family members are correctly listed in your Ayushman Bharat records. Missing or incorrect information may create problems during hospital admission.

7. Report Any Unauthorised Charges

Treatment under the scheme is cashless for covered services. If an empanelled hospital demands payment for services that are fully covered, report the matter through the appropriate grievance mechanism.

Why These Checks Matter

Ayushman Bharat aims to reduce the financial burden of medical treatment for eligible families. Keeping your beneficiary details updated, understanding the scheme's coverage, and choosing the right hospital can help ensure a smooth and hassle-free treatment experience when you need it most.