PMJAY Ayushman Bharat Hospitals in Kerala

How to actually get free treatment

1. 1. Check if you're eligible

   Visit beneficiary.nha.gov.in, enter your mobile / ration card / Aadhaar and select Kerala. If your family is listed, you can get an Ayushman card.

   Check eligibility →
2. 2. Get your Ayushman card

   Free at any Common Service Centre (CSC), Akshaya centre, or empanelled hospital's PMJAY desk. Carry Aadhaar + ration card. e-Card is issued on the spot.

3. 3. Pick an empanelled hospital

   Use the list below. For planned treatment, call ahead and confirm the specific procedure is covered under PMJAY / KASP.

4. 4. Go to the Arogya Mitra / PMJAY desk

   Every empanelled hospital has a PMJAY / Arogya Mitra help desk. Show the Ayushman card + patient's ID. They handle pre-authorisation with the insurer.

5. 5. Get treatment — 100% cashless

   You should NOT be asked to pay for covered procedures, medicines, tests, ICU, implants or food during admission. Pre & post-hospitalisation is also covered.

6. 6. Keep discharge papers

   Collect the discharge summary and all bills stamped 'PMJAY / KASP cashless'. Useful if there's any follow-up dispute.

Documents to carry

• ✓ Ayushman Bharat card / e-Card (patient's)
• ✓ Aadhaar card of patient
• ✓ Ration card (family)
• ✓ Referral letter (if referred from another hospital)
• ✓ Previous prescriptions / reports (for planned treatment)
• ✓ Mobile number linked to Aadhaar (for OTP verification)