The Ayushman Bharat PM-JAY scheme offers up to INR 5 lakh free annual health coverage. Eligible users can now download their Ayushman card online using Aadhaar and OTP via the PMJAY portal, Ayushman app, or UMANG app. In some states, ration card holders can get approval within 24 hours. The process is fully digital and accessible from mobile phones at home.