Accessing Indian government health schemes requires verified identity proof, household validation, income confirmation (in select schemes), and digital authentication documents. Having the correct paperwork ensures faster approval for cashless hospitalization, health card generation, eKYC verification, and DBT medical benefit credits. Below is a process-wise and scheme-wise document checklist for all major health benefit workflows.
Documents for Ayushman Bharat PM-JAY (Central Scheme)
Required for beneficiary verification and card generation:
- Aadhaar Card (for eKYC authentication)
- Mobile number linked with Aadhaar (for OTP verification)
- SECC Family ID / PM-JAY Beneficiary ID (if available in database)
- NFSA Ration Card (for household validation, if applicable)
- Any one additional government ID (if Aadhaar not used for login):
- Voter ID, PAN Card, Driving License, or MGNREGA Job Card
- Disability Certificate (if applying under disability category benefits)
- Senior Citizen proof (if required in specific state-top-up cases)
Official reference portals for document-linked verification:
- Ayushman Bharat: https://pmjay.gov.in
- Beneficiary Login & Card Download: https://beneficiary.nha.gov.in
- Aadhaar Updates: https://uidai.gov.in
Documents for State Health Cards (State Insurance Schemes)
Most states require a combination of:
- Aadhaar Card (primary identity proof for digital KYC)
- State or Central Ration Card (NFSA/State PDS card)
- Residence Proof (if separate from ID):
- Electricity bill, water bill, rental agreement, or domicile certificate
- Family Member Proof (for adding dependents):
- Ration card family list or birth certificate (for children)
- Income Proof (in select states/schemes only):
- Income certificate issued by Tehsildar/Revenue Department
- BPL/Antyodaya card (if applicable)
- Bank Passbook copy (for DBT-linked schemes)
Official state scheme directory link for document-based applications:
- State Health Agencies: https://nha.gov.in/state-health-agencies
- India.gov State Health Insurance List: https://www.india.gov.in/topics/health-family-welfare/health-insurance
Documents for Hospital Cashless Admission & Pre-Authorization
Needed at the hospital helpdesk for planned treatments:
- Ayushman Card or State Health Card (printed or digital PDF)
- Aadhaar (for on-spot authentication)
- Ration Card (if hospital requests household confirmation)
- Doctor prescription with diagnosis
- Treatment or surgery recommendation documents
- Previous medical reports (if applicable):
- Blood tests, MRI/CT scans, discharge summaries, biopsy reports, etc.
Hospital eligibility check links (must be verified before visiting):
- Hospital List: https://hospitals.pmjay.gov.in
- BIS Verification: https://beneficiary.nha.gov.in
Documents for eKYC & Aadhaar Seeding (Scheme Linking)
For linking Aadhaar to scheme databases:
- Aadhaar number + OTP access (mobile linked)
- Scheme beneficiary profile login
- In case of biometric KYC support: visit CSC center
Official Aadhaar seeding and biometric KYC support:
- UIDAI Portal: https://uidai.gov.in
- CSC KYC Assistance: https://csc.gov.in
Documents for DBT Health Payments (Bank Credit Support)
To activate DBT medical benefit credits:
- Aadhaar Card (must match bank records exactly)
- Bank account KYC must be active
- Bank passbook or cancelled cheque copy
- Aadhaar seeded bank account request (submitted to bank)
- Mobile number active for OTP
DBT routing system verification link:
- NPCI Aadhaar Payment Overview: https://www.npci.org.in/what-we-do/aeps/product-overview
- DBT Bharat Mission: https://dbtbharat.gov.in
Documents for Ration Card Linked Health Benefits
Some state schemes auto-pull beneficiary names from PDS:
- Ration Card copy with family list
- Aadhaar for each family member (if requested)
- Domicile proof (in select states)
Ration-linked scheme reference:
- India.gov Health Section: https://www.india.gov.in/topics/health-family-welfare/health-insurance
Special Category Documents (If Applicable)
| Category | Extra Document Needed |
|---|---|
| Person with Disability | UDID or Disability Certificate |
| Senior Citizen Priority | Age Proof (Aadhaar/Voter ID/DOB match) |
| Cancer Treatment | Oncology diagnosis reports |
| Kidney Dialysis | Nephrology medical reports |
| Maternity Benefits | Pregnancy medical records, child birth proof |
| Government-Assisted Top-Ups | Scheme-specific forms from SHA |
Quick Document Preparation Tips
- Ensure name spelling and DOB are identical in Aadhaar, bank, ration, and scheme database
- Keep digital PDFs saved on phone + one printed copy for hospital use
- Mobile number should be active and accessible for OTP at all times
- If Aadhaar update is recent, allow 7–10 days before retrying eKYC on scheme portals
- For emergencies, carry card + Aadhaar + prescription, pre-auth can be processed later by hospital