Ayushman Card Alert: Avoid This Mistake or You May Lose Cashless Treatment

Balasahana Suresh
The Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) offers cashless medical treatment up to ₹10 lakh in Delhi and ₹5 lakh in other states. However, many beneficiaries unknowingly make mistakes that prevent them from availing this benefit.

1. What is the Ayushman Card?

The Ayushman card is part of India’s flagship health insurance scheme, designed to:

· Provide cashless treatment at empaneled hospitals

· Cover hospitalization expenses for critical illnesses

· Reduce out-of-pocket medical expenses for eligible families

Having the card doesn’t automatically guarantee cashless treatment; certain rules must be followed.

2. Common Mistake That Blocks Cashless Treatment

Even with an Ayushman card, you cannot get cashless treatment if your details are not verified.

The most common mistakes include:

1. Hospital or Treatment Not Empaneled:

o Only treatment at Ayushman empaneled hospitals qualifies for cashless claims.

2. Incorrect or Expired Card Details:

o Mismatched name, age, or ID information can lead to claim rejection.

3. Non-Pre-Authorization for Certain Treatments:

o Some high-cost or specialized treatments require hospital pre-authorization before admission.

4. Non-Eligible Family Members:

o Only eligible members listed on the card can avail benefits.

Ignoring these rules can force beneficiaries to pay out-of-pocket even with the card.

3. How to Ensure Smooth Cashless Treatment

Step 1: Verify Your Card

· Check that your name, age, and ID details match government records.

· Ensure all family members listed are correct.

Step 2: Check Hospital Empanelment

· Visit the official PM-JAY website or app

· Confirm the hospital is empaneled for cashless treatment

Step 3: Pre-Authorization for Treatment

· For major procedures, ensure hospital requests pre-authorization from PM-JAY

· Keep all required documents ready

Step 4: Keep Contact Info Updated

· Register your mobile number and email for OTP verification and updates

· Helps avoid delays in claims processing

4. Additional Tips for Ayushman Card Users

1. Carry ID proof along with your Ayushman card

2. Avoid using private hospitals not listed under the scheme

3. Report issues promptly to the Ayushman Bharat helpline: 14555

4. Regularly check your card status on the official PM-JAY portal

Following these steps ensures hassle-free cashless medical treatment.

5. Conclusion

Having an Ayushman card is a big relief for medical emergencies, but careless mistakes can prevent cashless claims.

· Verify your card and details

· Choose empaneled hospitals

· Follow pre-authorization rules for high-cost treatments

Awareness and preparation ensure you get the maximum benefit from your Ayushman card when you need it most.

 

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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