The Ayushman Bharat Yojana (PM-JAY) is India’s largest government health insurance scheme, providing ₹5 lakh free medical coverage per family every year. While millions of beneficiaries are eligible, not everyone qualifies for an Ayushman Card.

The government has set strict eligibility criteria, and only selected families based on socio-economic conditions can access the benefits. Before applying, it is important to know whether you fall under the exclusion list.

Here is the complete list of people NOT eligible for the Ayushman Card.

❌ People Who Are NOT Eligible for Ayushman Card

The Ayushman Bharat scheme is meant for economically weaker sections. Therefore, families with better financial status or assets are excluded.

Below is the official exclusion list:

🛑 1. Income Tax Payers

Anyone who pays income tax is considered financially stable and not eligible for the Ayushman Card.

🛑 2. Families Owning Permanent Government Jobs

If you or any family member holds a government job, you cannot apply for the (PM-JAY) Ayushman Card.

This includes:

• Central government employees

• State government employees

• PSU employees

🛑 3. People Owning Large Pucca Houses

Families owning:

• 5+ room pucca house, or

• A house of large permanent construction

are excluded, as they fall under the well-established category.

🛑 4. Owners of Four-Wheelers or Heavy Vehicles

If your household owns:

• A car

• Jeep

• Tractor

• Other four-wheeler or commercial vehicles

you are not eligible for Ayushman benefits.

🛑 5. Households With a Monthly Income Above Threshold

Families earning more than the defined poverty-level income (as per SECC database) are automatically excluded.

🛑 6. Professionals and High-Income Occupations

The following groups are NOT eligible:

• Lawyers

• Doctors

• Chartered Accountants

• Engineers

• Architects

• Shop owners with large commercial businesses

They are considered “non-poor” households.

🛑 7. Income From Large Businesses or High-Value Properties

Families running:

• Large shops

• Manufacturing units

• High-income enterprises
  are excluded since they do not qualify as economically vulnerable.

🛑 8. Families With Land Above the Specified Limit

Households having:

• Irrigated land more than 2.5 acres, or

• Non-irrigated land more than 5 acres

are not eligible.

🛑 9. People With Government-Issued Health Insurance

If your job or institution already provides a health insurance package, you are not eligible for Ayushman Card benefits.

✅ How to Check Your Ayushman Eligibility

You can easily check if your family is eligible:

✅ Method 1: Via Official Website

1. Visit: https://mera.pmjay.gov.in

2. Enter mobile number or Aadhaar

3. Complete OTP verification

4. Check your family’s eligibility status

✅ Method 2: Through Ayushman Call Center

Call 14555 or 1800-111-565

✅ Method 3: Visit Your Nearest CSC Center

A CSC/Village Level Entrepreneur can check your eligibility using the SECC database.

✅ Who IS Eligible for Ayushman Bharat?

You may be eligible if your family:

• Belongs to economically weaker sections

• Is listed in the SECC 2011 database

• Has no government jobholder

• Does not own a four-wheeler

• Lives in a kutcha or small pucca house

• Has low or irregular income