In India, millions of families rely on Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) for free healthcare. This scheme helps eligible citizens get cashless treatment up to ₹5 lakh per family per year. But many people often wonder how to know the remaining coverage. That’s where the ayushman card balance check becomes important. Just like you would search for vodafone balance check to know your phone balance, people want to know how much benefit is left on their Ayushman card.
Many believe that checking Ayushman card balance is like checking a bank account. But that’s not exactly true. The balance in this case means how much of the ₹5 lakh yearly limit is left for your family to use. This balance is only accessible during treatment through empanelled hospitals or online tools designed for the scheme.
What is Ayushman Bharat Yojana and Why the Balance Matters?
Ayushman Bharat is a central government scheme launched in 2018. It helps low-income families get medical care at selected hospitals without paying. The scheme covers a wide range of treatments including surgeries, therapies, and hospital stays.
Each family is entitled to ₹5 lakh of free medical care per year. This amount is not given in cash. Instead, it is available digitally and managed by the National Health Authority (NHA). That’s why ayushman card balance check is not shown like a bank passbook but managed through package-based treatments.
Knowing how much benefit is used and how much is left helps you plan treatment for the whole family. It’s especially important for those who have used the scheme more than once in a year.
How to Check If Your Ayushman Card Is Active?
Before checking your balance, make sure your Ayushman card is approved and active. You can verify your card using your mobile number, Aadhaar number, or Family ID.
Go to the official portal https://beneficiary.nha.gov.in and log in. Enter your mobile number and confirm it with OTP. You can see the status of your Ayushman card, whether it is approved, pending, or rejected.
If your card is not active yet, you will not be able to perform the ayushman card balance check. Once it is approved, you can use the card at any empanelled hospital across India.
Can You Check Ayushman Balance Like a Bank Account?
Unlike a punjab national bank balance check number, you cannot call or SMS to know your Ayushman balance. The reason is that Ayushman Bharat is not a financial account. It is a treatment-based healthcare scheme, and the balance is linked to treatment packages.
The amount is deducted based on the type of treatment you receive. For example, if you undergo surgery worth ₹2 lakh, the remaining balance will be ₹3 lakh for the year. This balance is tracked by hospitals and the scheme administrators.
You can only know the balance during treatment at a hospital or by visiting a Common Service Centre (CSC) near you.
How Hospitals Check Your Ayushman Card Balance
When you go to a hospital for treatment, the hospital staff verifies your Ayushman card. They log in to the PMJAY hospital portal. There, they search for your PMJAY ID or Aadhaar number and see your profile.
Once your identity is confirmed, they select the treatment package that you require. The system will then show whether your family has enough balance left for that particular treatment. This is how the ayushman card balance check is performed during hospital visits.
Let’s take a look at this process in the table below:
| Step | What Happens During Hospital Visit |
|---|---|
| 1 | Card is scanned or Aadhaar is entered |
| 2 | Staff logs into PMJAY hospital portal |
| 3 | Patient’s details and past treatments appear |
| 4 | Hospital chooses the treatment package |
| 5 | System checks available coverage amount |
Only empanelled hospitals can access this system. You cannot check the balance online yourself without their access.
Can You Check the Ayushman Card Balance Online?
Some websites may claim that you can check Ayushman balance online, but that’s not accurate. You can only check the status of the Ayushman card online, but not the remaining coverage.
The official PMJAY website allows you to:
See if your card is approved or pending
Download or print your Ayushman card
Update mobile number linked to your profile
Get hospital details and CSC center locations
The ayushman card balance check can only be done during treatment when the package is selected.
What If You Want to Know the Balance Before Going to Hospital?
Currently, there is no system for you to know the exact balance yourself unless you have already received treatment recently. If you visited a hospital before, you can ask the hospital staff or Ayushman Mitra for your usage summary.
You can also visit your nearest Common Service Centre (CSC). They have access to the government portal and may help you know how much amount your family has already used.
You may also call the Ayushman helpline numbers: 14555 or 1800-111-565, but they may not always provide the balance details. Their role is mainly to assist with eligibility and registration.
Mobile App for Ayushman Bharat
The Ayushman Bharat mobile app is available on Android. You can log in using your Aadhaar or mobile number. While this app allows you to check the card status, download the e-card, and find nearby hospitals, it does not show your treatment balance.
Still, downloading the app is useful for other services like linking Aadhaar, verifying family member details, and updating mobile number.
Here is a table showing what you can and cannot do with the Ayushman mobile app:
| Task | Available in App |
|---|---|
| Check card approval status | ✅ Yes |
| Download Ayushman card | ✅ Yes |
| Link Aadhaar or mobile number | ✅ Yes |
| Find empanelled hospitals nearby | ✅ Yes |
| Check remaining ₹5 lakh balance | ❌ No |
What is the Yearly Limit and How is It Used?
Under Ayushman Bharat, every family gets ₹5 lakh per year to be used for hospitalization expenses. This amount resets every financial year. It is not carried over if unused.
Once your family uses the full ₹5 lakh, you must wait until the next year for a new cycle. This is why doing an ayushman card balance check before opting for costly treatment is a smart move.
If multiple members of a family use the card, their total combined expenses must not exceed ₹5 lakh in that year.
Eligibility and How to Get Your Card
To use the balance, your name must be on the SECC (Socio-Economic Caste Census) list. You can check your eligibility by visiting https://pmjay.gov.in and entering your mobile number or Aadhaar number.
If eligible, you can get your card generated at a CSC or a nearby Ayushman Mitra center. Once you have the card, you can use it at any empanelled hospital and ask the staff to perform an ayushman card balance check when needed.
Summary of Ayushman Card Balance Check
Let’s wrap up with a quick summary of key information related to Ayushman balance:
| Topic | Information |
|---|---|
| Annual coverage limit | ₹5 lakh per family per year |
| Balance tracking method | Only via hospital system at time of treatment |
| Online balance check | Not available to individuals |
| Card status check | Available via PMJAY portal or mobile app |
| App usage | Card download, hospital search, Aadhaar linking |
| Who can check balance | Hospital staff, CSC centers during treatment |
Conclusion
The ayushman card balance check is an important step when planning hospital visits, especially for expensive surgeries. Even though you can’t check the balance online like a vodafone balance check or call a punjab national bank balance check number, the system ensures that only eligible treatments are approved under the ₹5 lakh limit.
Always keep your Ayushman card active, link your Aadhaar correctly, and visit only empanelled hospitals. If you want to know more about your remaining benefits, reach out to your nearest Ayushman Mitra or visit a CSC. That’s the best way to stay informed and make full use of this valuable government health scheme.
