Ayushman Card Limit to Double to ₹10 Lakh? 5 Key Things You Should Know

The Ayushman Bharat Pradhan Mantri Jan Arogya Yojana , which is India's public health insurance scheme, may get a big upgrade. There are talks about increasing the health coverage limit from ₹5 lakh to ₹10 lakh per family. This has generated a lot of interest among beneficiaries across the country who use the Ayushman Card

While no nationwide rollout has been officially announced yet, discussions around expanding coverage have gained momentum as healthcare costs continue to rise. For millions of families who rely on the Ayushman Card for cashless treatment, the proposed increase could provide much-needed financial protection.

Here are five important things you should know about the possible enhancement.

1. The Current Coverage Limit Is ₹5 Lakh Per Family

Now the Ayushman Bharat scheme offers health insurance coverage of up to ₹5 lakh per family per year for hospitalization and other medical expenses. The scheme covers a range of medical procedures, surgeries and hospitalization expenses at public and private hospitals that are part of the scheme.

The coverage is provided on a family-floater basis, meaning all eligible members of a household share the same annual insurance amount.

2. A ₹10 Lakh Limit Could Significantly Reduce Medical Expenses

Healthcare inflation has increased treatment costs across India over the last few years. Procedures involving cancer treatment, organ transplants, cardiac surgeries, and critical care often result in substantial expenses.

If the coverage limit is doubled to ₹10 lakh, beneficiaries would gain access to greater financial security and improved protection against catastrophic medical bills. Such an increase could particularly benefit families dealing with long-term illnesses or multiple hospitalizations within a year.

3. No Official Nationwide Notification Has Been Issued Yet

Even though there are talks about increasing the coverage limit beneficiaries should note that there is no word on this yet. Some states have already introduced health insurance benefits by combining state-sponsored schemes with the Ayushman Bharat scheme.


Any nationwide change to the Ayushman Card limit would need approval and guidelines from the government