How to Apply for the Golden Health Card?

March 15, 2024

How to Apply for the Golden Health Card?

The Indian government's flagship scheme, Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY), popularly known as the Golden Health Card, is a significant step towards providing affordable and accessible healthcare to millions of underprivileged families across the country. This comprehensive health insurance scheme aims to reduce the financial burden of medical expenses, ensuring that no one is left behind in their pursuit of quality healthcare.

Overview of the Golden Health Card Program

The Golden Health Card is an initiative in the healthcare sector providing security to more than 100 million economically vulnerable households. Under this scheme, eligible families receive health coverage of up to ₹5 lakh, which can be used for hospitalisation services, including existing conditions at both secondary and tertiary care facilities.

The main goal of this program is to address the impact of high healthcare expenses that often lead families into debt and poverty cycles. By granting access to quality healthcare at affiliated private hospitals, the Golden Health Card ensures that individuals do not have to choose between their health needs and financial stability. The Golden Health Card program also plays a role in raising awareness about preventive care and promoting regular health checkups. This proactive approach not only aids in disease detection but also helps in lessening the strain on the healthcare system by preventing complications and hospitalisations.

Benefits of Golden Health Card?

The Health Golden Card offers a plethora of benefits to its beneficiaries, such as:

  1. Coverage: The card covers a wide array of medical treatments, including hospital stays and daycare procedures, ensuring individuals receive necessary care without financial concerns.
  2. Cashless Treatment: Holders can receive cashless treatment at any affiliated hospital, eliminating upfront payments and simplifying reimbursement processes.
  3. Nationwide Usability: Valid throughout India, the Golden Health Card allows holders to access healthcare services at any hospital regardless of their location.
  4. Coverage for Pre-Conditions: Unlike many conventional health insurance plans, the Golden Health Card includes coverage for pre-existing conditions to ensure that everyone receives treatment regardless of their medical history.
  5. Emphasis on Preventive Care: The program encourages healthcare by covering health checkups and screenings, allowing for early identification and prompt treatment of various health conditions.
  6. Empowering Beneficiaries: The Golden Health Card empowers individuals by granting them the freedom to select their preferred healthcare provider from a network of hospitals, both public and private.
  7. Ensuring Quality Healthcare: The initiative guarantees that beneficiaries receive top-notch healthcare services by establishing standards, for hospitals promoting transparency and fostering competition among healthcare providers.

Required Documents for Golden Health Card Application

Before commencing the application process, make sure you have the following documents prepared:

  1. Food Security Card or Antyodaya Anna Yojana (AAY) Card
  2. Proof of Identity (such as an Aadhaar Card, Voter ID or any other government-issued ID)
  3. Proof of address (like Ration Card, Aadhaar Card, Voter ID or any other official document)
  4. Family information (including name, age and relationship with the head of the family)
  5. Recent passport-size photos
  6. Bank account information (cancelled cheque or passbook copy)

It is crucial to have the Golden Health Card documents ready, as they form the basis for your eligibility and facilitate the application process. Once you have gathered the necessary documents, you can proceed with the various application methods mentioned in the section below.

How To Apply for a Golden Card Health Insurance?

Applying for the Golde Health Card insurance is a straightforward process, and individuals can follow these steps to obtain their Golden Health Card:

1. Online Application: Go to the Ayushman Bharat PM-JAY website. Carefully follow the instructions to fill out the online application form. Be sure to provide details and upload all documents.

2. Offline Application: Visit the Common Service Center (CSC) or Pradhan Mantri Arogya Mitra (PM-JAY) and submit your documents there. The staff at these centres will assist you in completing the application form and guide you through the process.

3. Mobile Application: Download the Ayushman Bharat PM-JAY app (on Android and iOS) and follow the prompts on your screen to complete your application. This convenient option allows you to apply from home or while on the go.

After submitting your application, it will be verified by personnel. Once approved, you will receive your card, which will grant you access to benefits under the Golden Health Card program.

It's worth mentioning that the requirements for qualifying for the Golden Health Card are determined by data from the Socio-Economic Caste Census (SECC) which identifies households facing challenges. However, the program is always. The eligibility standards may undergo revisions to ensure that those in need receive the benefits effectively.

Renewing Your Golden Health Card

The Ayushman Bharat Golden card is valid for a specific period, typically one year. To ensure uninterrupted access to healthcare services, it is essential to renew your Golden Health Card before its expiration date.

The renewal process is relatively simple. This can be done through the channels used for the initial application – whether online, offline or via the mobile app. You may need to provide updated documents and any changes in your family's information.

Starting the renewal process early is advised to prevent any gaps in coverage. By being proactive and renewing your Golden Health Card on time, you can keep benefiting from the healthcare coverage provided by Pradhan Mantri Jan Arogya Yojana.


Thus, the Golden Health Card stands out as an initiative aimed at offering affordable healthcare to millions of people in India. 

By following the steps provided and making sure you have all the required paperwork prepared, you can smoothly apply. Acquire this health insurance card. It's important to remember that looking after your health is an investment in your future. The Golden Health Card is a resource that enables you to focus on your well-being without worrying about financial limitations.


  1. What is the difference between the Ayushman Card and the Golden Card?

The Ayushman Card (Pradhan Mantri Jan Arogya Yojana) and Golden Card are similar in providing healthcare benefits. Still, the Golden Card is a state-specific scheme, while the Ayushman card is a national scheme.

  1. Who is eligible for a Golden Health Card?

The eligibility criteria for the Golden Health Card may vary from state to state. It is generally intended for economically weaker sections, families covered under specific state welfare schemes, or those meeting the prescribed income limits.

  1. How do I check the status of my Golden Health Card application?

You can check the status of your Golden Health Card application by contacting the designated authorities or visiting the official website of the respective state's Golden Card scheme and providing your application details.

  1. What should I do if my Golden Health Card application is rejected?

If your Golden Health Card application is rejected, you should carefully review the reasons for rejection and address any discrepancies or missing information. You may also have the option to appeal the decision through the designated channels specified by the state authorities.

  1. How long is the Golden Health Card valid, and how can I renew it?

The validity period of the Golden Health Card may vary across states, but it typically needs to be renewed periodically. To renew your Golden Health Card, you should follow the renewal process outlined by the respective state authorities, which may involve submitting updated documentation and undergoing verification.