What is Ayushman Bharat Insurance?

Ayushman Bharat is a government-funded health insurance scheme covering secondary and tertiary hospitalization expenses for eligible families. Unlike private insurance, there are no premiums, medical tests, or waiting periods. The scheme includes over 25,000 empanelled hospitals (public and private) across India, offering cashless treatment for 1,949 medical procedures.​

Key Benefits:

• ₹5 lakh family floater cover (top-up available in some states)
• No age limit for family members
• Pre-existing diseases covered from day one
• Cashless treatment at empanelled hospitals
• Covers medical, surgical, daycare, and post-hospitalization expenses

Ayushman Bharat Eligibility Criteria (2025 Updated)

Eligibility is based on the SECC 2011 database and state-specific criteria. You can check your eligibility online in 2 minutes.

Eligible Categories:

• Families in rural areas with only one room with kucha walls and kucha roof
• No adult member aged 16-59 years
• Female-headed households with no adult male member
• SC/ST households
• Landless households deriving major income from manual casual labour
• Urban families in occupational categories like rag pickers, domestic workers, street vendors, construction workers, etc.​

Check Eligibility Online:

1. Visit the official PMJAY portal
2. Click “Am I Eligible”
3. Enter mobile number, OTP, state
4. Search by name, ration card, or SECC ID
5. If found, proceed to card generation

Documents Required for Ayushman Bharat Card

Minimal documents needed:

• Aadhaar card (mandatory for e-KYC)
• Ration card or family ID (for family verification)
• Mobile number (Aadhaar-linked for OTP)
• Address proof (Aadhaar sufficient)
• Age proof (for members above 60, if applicable)
• Caste certificate (for SC/ST categories, if applicable)

Pro Tip: Keep scanned copies ready for online application. Bank KYC documents can also be used if applying through PMJDY accounts.

How to Apply for Ayushman Bharat Card: 3 Methods

Method 1: Online Application via PMJAY Portal (Fastest)

Step-by-Step Process:

1. Visit official portal: Go to pmjay.gov.in or mera.pmjay.gov.in
2. Check eligibility: Click “Am I Eligible” > Enter mobile > OTP > State > Search family
3. Login: If eligible, click “Register/Login” > Use mobile OTP
4. Select family member: Choose the primary member for card generation
5. Complete e-KYC: Enter Aadhaar > OTP verification > Confirm details
6. Download card: Once approved, download Ayushman card PDF or print it
7. SMS confirmation: You’ll receive confirmation and card details via SMS

Timeline: Instant to 48 hours if details match SECC database.

Method 2: Apply via UMANG App (Mobile-Friendly)

1. Download UMANG app from Play Store/App Store
2. Register: Mobile OTP or Aadhaar login
3. Search “PMJAY”: Under “Health” category
4. Check eligibility: Enter details > OTP
5. Generate card: If eligible, download directly
6. Benefits: Also access hospital list, claim status, and grievance redressal

Method 3: Offline Application at CSC/PMAM Center

For rural/less tech-savvy users:

1. Visit Common Service Center (CSC) or PM Ayushman Mitra (PMAM)
2. Carry documents: Aadhaar, ration card, mobile
3. Operator assistance: They check eligibility, complete e-KYC, generate card
4. Instant card: Printed on spot or sent via SMS
5. Free service: No charges for card generation at CSCs

Find nearest CSC: csc.gov.in or call 14567.

How to Find Ayushman Bharat Hospital List

Before treatment, verify hospital empanelment:

1. Online: Visit hospitals.pmjay.gov.in
2. Search by: State, district, specialty, hospital name
3. Filter: Public/private, rating, distance
4. Contact: Get hospital’s PMJAY helpdesk number

State-specific portals also list hospitals (e.g., Ayushman Bharat UP, Maharashtra).

Ayushman Bharat Claim Process (Cashless Treatment)

At Empanelled Hospital:

1. Show Ayushman card + Aadhaar at hospital desk
2. Verification: Hospital checks eligibility on PMJAY portal
3. Pre-authorization: Hospital submits treatment estimate
4. Approval: Auto-approved for covered procedures
5. Treatment: Patient pays nothing for covered costs
6. Discharge: Hospital claims directly from insurer

Reimbursement (if treated at non-empanelled in emergency):

1. Pay first, keep all bills
2. Submit claim within 15 days via PMJAY portal
3. Upload: Discharge summary, bills, prescriptions, payment proofs
4. Approval: Within 30 days, amount credited to bank account

Claim Helpline: 14567 (toll-free) or state-specific numbers.

Ayushman Bharat vs Private Insurance: Why Choose PMJAY?

Best Strategy: Use Ayushman Bharat as base cover; private insurance for room upgrades, non-covered procedures.

Common Issues & Solutions

“Not Found in SECC Database”

• Check spelling variations, try ration card number
• Contact local tehsildar for SECC inclusion
• Some states allow on-spot verification for eligible families

“Card Not Downloading”

• Clear browser cache, try incognito mode
• Use UMANG app alternative
• Visit CSC for manual generation

“Hospital Denies Treatment”

• Ask for PMJAY helpdesk
• Call 14567 immediately
• Escalate to State Public Health Department

Recent 2026 Updates

• Digital health ID integration: Ayushman card now links with ABHA (Ayushman Bharat Health Account) for unified medical records
• Teleconsultation coverage: Selected states cover doctor consultations via e-Sanjeevani
• Expanded packages: 1,949 procedures now include advanced cancer treatments, cardiac surgeries
• PMAM expansion: 1 lakh+ Ayushman Mitras deployed at hospitals for assistance

Action Plan: Secure Your Family Today

1. Check eligibility now: Visit pmjay.gov.in → “Am I Eligible”
2. Keep Aadhaar ready: Ensure mobile is linked for OTP
3. Apply online: Takes 5 minutes; download card instantly
4. Add all family members: Update nominee details
5. Save hospital list: Bookmark nearest empanelled hospitals
6. Share with relatives: Many eligible families remain unaware

₹0 premium = ₹5 lakh health security. Ayushman Bharat is a game-changer for India’s poor and middle class. Don’t wait for illness, enroll today and protect your family’s health and finances.

Official Links:

• PMJAY Portal: pmjay.gov.in
• Hospital List: hospitals.pmjay.gov.in
• MyScheme: myscheme.gov.in/schemes/ab-pmjay
• Helpline: 14567

Updated December 2025. Always verify latest details on official portals.

The post How to Apply for Ayushman Bharat Insurance (PMJAY) in 2026 – Step‑by‑Step Guide appeared first on Jobseek..

Since with lots of BP, you can purchase anything in the game, it is important to learn how to get more Battle Points in Mobile Legends. However, I’ve mentioned all possible sources of BP and various ways to grab them. So just go through the guide and learn everything about BP in Mobile Legends.

Tips for Earning Battle Points in Mobile Legends

1. Free Chests

As the name suggests, it is one of the easiest ways to get free Battle Points. Free Chests are available every four hours and can be obtained a maximum of two times.

Along with Battle Points, Free Chests also contain 40-50 Battle Points, random emblem fragments, Premium Skin Fragments, Magic Dusts, and more. That’s why it is important to collect every Free Chest.

2.Daily Quests

Daily Quest is another easy way to get free Battle Points once the required activity points are achieved. With Daily Quest, you can earn up to 230 BP daily.

Score 800 activity points within a week and get an extra 500 BP along with different rewards.

3. 7-Day Login

Get Battle Points by just logging in to the game daily. Each day you’ll get different rewards continuously; on the 5th day, you will get 300 BP.

4.Lucky Spin

If you are lucky enough, then you can try Lucky Spin. Visit through the Shop Tab and click on Lucky Spin. Tap on the start button to spin the roulette, and the roulette will randomly give you one of the listed prizes.

You can get 300 Battle Points and other random rewards like Hero/Skin, Skin Trial Pack, Lucky Gem Fragment, and more in the Lucky Spin. A regular spin will cost you 20 Tickets, and every few days, you get a free draw.

5. Achievements

Mobile Legends offers you a lot of Achievements in the game. In order to earn Battle Points, you must unlock numerous Achievements and complete specific requirements. Every achievement has some rewards, which could include Battle Points, Fragments, Magic Dusts, or Emblems. 

Some achievements are easy, so make sure to complete every achievement available in the game.

6.Unlock the Medal Chest

Like Free Chest, Medal Chest is also an easy source to earn Battle Points. Medal Chest can be unlocked by participating in different matches. Participate and win games and open the Medal Chest fast.

Along with Battle Points, Medal Chest also contains Emblems, Fragments, and Magic Dusts. After a successful redemption, the Medal Chest will become available after 12 hours.

7. Get a good Credit Score

Yes, your Credit Score does matter to earn free Battle Points. You can access your Credit Score by tapping on your avatar, and there you’ll find the Credit Score menu on the leftmost upper side of the main screen.

Your playing behavior affects your Credit Score. If you have played well (without any violations like no AFKs or feeding behavior), actively for a week, and managed the Credit Score of 110 or above, you can get an extra 10% BP after completing a match. You can earn 7500 to 8500 increased BP per week.

8. Play more Brawl Matches

If you are the one who likes short and straight-up matches, Brawl matches are for you. The Brawl Matches not only boost your Credit Score, which is down due to AFK behavior and violation reports, but also allow you to collect instant Battle Points.

You can also practice your hero against AI bots and earn BP.

9. Take out those Trial Card

It’s hard to deny the joy of trying out heroes and skins with Trial Cards. However, you can turn these Trial Cards into Battle Points once you own the hero or skin.

Yes! that’s right! You can convert the Trial Cards for a hero or skin into 30 Battle Points each. Look for the icon with gold coins at the top right corner, and this is a great way to earn some extra Battle Points and make the most of your unused Trial Cards. So, don’t let those Trial Cards go to waste!

10.Sell the stuff

Did you know you can sell your stuff and earn extra Battle Points? Yes! That’s true. Over time, when events end, your inventory will be filled with unused things. The stuff may include items used to trade for other rewards and gifts during past events.

You can sell them to earn an average of 30 Battle Points each.

11. Check your Mail

Do you check your mail inbox daily? If you still need to, then you might be missing some rewards. Mail is not just for updates, announcements, or promotions. Sometimes, the game developers send Battle Points as rewards and gifts to the players through the mail.

So check your mail daily; who knows what surprise awaits you?

12 Use BP Cards

Every player wants to grab more and more BPs as fast as possible. You can do this by activating your BP card. BP card can double your Battle Points. These Cards are available from 1, 3, and 7-Day time durations.

Also, the card will increase the maximum BP collected after each battle by 1,500 for the whole week.

13. Squad Rewards

Have you ever created a Squad with your friends? A Squad can have a maximum of 9 members, and it does not just help to level up your rank, but you can get additional rewards (like BP) based on your Squads activity and performance.

So, make a Squad with your friends and earn extra rewards.

14.Become a Starlight Member

Among the numerous benefits of becoming a Starlight Member, one of the most exciting perks is boosting your Battle Points.

With every battle you participate in, you’ll receive an additional 5% Battle Points reward on top of the standard amount.

Play the Game as Much as You Can

There is no secret in the last tip, simply play and enjoy the game. The more you play the game, the more you will receive the Battle Points. If you are a pro player with a good credit score of over 90, you can earn more than 7,500 BP per week.

The Bottom Line

In conclusion, by following the above-listed tips for earning Battle Points in Mobile Legends, players can improve their gameplay, increase their ranking, and unlock exciting rewards, including Battle Points. Whether it’s mastering hero skills, using strategy and teamwork, or maximizing daily bonuses, there are plenty of ways to boost your Battle Points and climb the leaderboard. So, keep practicing, stay focused, and enjoy the thrilling world of Mobile Legends!

Related Post: Mobile Legends: How To Get Free Diamonds in the Game

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Explore Your Path Abroad

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In this guide, we’ll break down everything step by step so you can confidently apply for your UK visa without confusion.

1. Choose the Right Visa Type

Before you begin your application, you need to figure out which UK visa type suits your purpose of travel. Here are some of the most common categories:

• Standard Visitor Visa – For tourism, short business trips, or visiting family/friends.
• Student Visa – For pursuing education in the UK.
• Skilled Worker Visa – For those who have a valid job offer from a licensed UK employer.
• Family Visa – For joining family members who are settled in the UK.
• Transit Visa – For passing through the UK on your way to another country.

Choosing the correct category is crucial because each has its own eligibility criteria, required documents, and application timelines.

2. Start the Online Application

Once you’ve identified your visa type, go to the UK Government’s official website (gov.uk) and start the online application. You’ll be asked to:

• Create a UK Visa application account.
• Fill in your personal details, travel history, and purpose of visit.
• Upload supporting documents (where required).
• Pay the visa application fee online.

Make sure all the details you provide are accurate, as inconsistencies can lead to delays or rejections.

3. Book and Attend Your Biometric Appointment

After submitting your online form, you’ll need to book a biometric appointment at your nearest UK Visa Application Centre (VAC).

During this appointment, you will:

• Provide fingerprints and a digital photograph.
• Submit your passport and any required original documents.
• If applicable, attend a short interview or provide additional information.

It’s important to arrive on time with all your required documents to avoid rescheduling.

4. Prepare Your Supporting Documents

Each visa category has its own document checklist, but here are some common items you’ll typically need:

• Valid passport with blank pages
• Visa application form (printout)
• Travel itinerary or flight bookings
• Proof of accommodation (hotel bookings, invitation letter, etc.)
• Bank statements or proof of funds
• Letter of employment, admission letter, or invitation letter (depending on visa type)

Submitting well-organised and complete documents can significantly improve your chances of approval.

5. Pay the Visa Fees and Healthcare Surcharge

For most visa categories, you’ll need to pay:

• Visa application fee – Varies based on the type and duration of the visa.
• Immigration Health Surcharge (IHS) – For visas longer than 6 months, this gives you access to the UK’s National Health Service (NHS).

Make sure you keep a copy of the payment receipt, as you might need to present it during your biometric appointment or while tracking your application.

6. Track Your Application

Once everything is submitted, you can track your visa application status online through the UK Visa portal. Processing times can vary depending on the visa type, season, and location, but generally:

• Visitor visas take around 3 weeks.
• Student and work visas may take longer depending on verification.

You’ll receive an email once a decision has been made.

7. Collect Your Passport or Receive the Decision

When your application is processed, you’ll either:

• Collect your passport from the Visa Application Centre, or
• Receive it by courier, depending on the option you selected.

If your visa is approved, it will be stamped on your passport. If it’s refused, you’ll receive a letter explaining the reasons and your options for appeal or re-application.

The Bottom Line

Applying for a UK visa becomes much easier when you understand the process clearly. The key is to select the correct visa type, submit accurate information, and prepare your documents well in advance. Always rely on the official UK Government website and avoid third-party agents who make unrealistic promises.

By following these steps carefully, you can maximise your chances of a smooth and successful UK visa approval.

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