Atal Ayushman Uttarakhand Yojana — ₹5 Lakh Free Health Insurance – How to Apply & Benefits

What is Atal Ayushman Uttarakhand Yojana?

The Atal Ayushman Uttarakhand Yojana (AAUY) is a state health insurance scheme that provides ₹5 lakh per family per year for cashless hospitalization at empanelled hospitals. Launched alongside Ayushman Bharat PM-JAY, this scheme extends health coverage to all families in Uttarakhand — not just those on SECC lists.

The scheme is managed by the State Health Authority (SHA), Uttarakhand and covers nearly the entire population of the state.

Who is Eligible?

1. Residency: Must be a resident of Uttarakhand with a valid ration card or family register entry
2. Coverage: Almost all families in Uttarakhand are eligible (universal coverage)
3. Exclusions: Government employees covered under CGHS/ECHS and income tax payees may be excluded
4. Smart Card: Must have an Atal Ayushman Golden Card

Coverage

Documents Required

• Aadhaar Card of family members
• Ration Card (Uttarakhand)
• Any government-issued ID for verification
• Mobile number linked to Aadhaar

How to Get Your Golden Card

At Common Service Centre (CSC) / Atal Seva Kendra

1. Visit the nearest CSC or Atal Seva Kendra
2. Carry Aadhaar Card and Ration Card
3. Biometric verification of family members
4. Golden Card is generated on the spot
5. Nominal fee of ₹30 for card generation

At Empanelled Hospital

1. Visit any AAUY-empanelled hospital
2. Go to the Ayushman/AAUY help desk
3. Show Aadhaar and Ration Card
4. Verification and card generation can be done at the hospital

Check Eligibility Online

1. Visit ayushmanuttarakhand.org
2. Enter your ration card number or Aadhaar
3. Check if your family is listed as eligible
4. Find empanelled hospitals near you

How to Use for Treatment

1. Visit any AAUY-empanelled hospital
2. Show your Golden Card and Aadhaar at the Ayushman help desk
3. Biometric authentication confirms identity
4. Get admitted for cashless treatment
5. No payment for covered procedures

Important Tips

1. Get Card in Advance: Don't wait until you're sick — get your Golden Card made early
2. Carry Aadhaar Always: Needed for biometric verification at hospitals
3. Universal Coverage: Almost all Uttarakhand residents are eligible — check the portal
4. Helpline: Call 14555 for Ayushman-related queries
5. Both Govt & Private: You can use the card at both government and empanelled private hospitals

Frequently Asked Questions (FAQs)

Q1. What is the coverage amount?

₹5 lakh per family per year for cashless hospitalization.

Q2. Is everyone in Uttarakhand eligible?

Almost all families are eligible. Government employees under CGHS/ECHS and income tax payees may be excluded.

Q3. How do I get my Golden Card?

Visit the nearest CSC or empanelled hospital with Aadhaar and Ration Card. Card generation costs ₹30.

Q4. Can I use it outside Uttarakhand?

Yes, at empanelled hospitals across India that accept Ayushman/AAUY cards.

Q5. Are pre-existing diseases covered?

Yes, from day one of enrollment.

Q6. What if a hospital refuses treatment?

Call the Ayushman helpline 14555 or contact the State Health Authority.

Q7. Is this the same as Ayushman Bharat PM-JAY?

AAUY is the state extension of PM-JAY with broader coverage for Uttarakhand residents.

This guide is for informational purposes only and is not affiliated with the Government of Uttarakhand. Visit ayushmanuttarakhand.org for official details.