{"id":1863,"date":"2026-11-06T10:08:23","date_gmt":"2026-11-06T10:08:23","guid":{"rendered":"https:\/\/www.coversure.in\/blog\/?p=1863"},"modified":"2026-11-06T10:08:23","modified_gmt":"2026-11-06T10:08:23","slug":"blog-health-insurance-atal-ayushman-uttarakhand-yojana","status":"publish","type":"post","link":"https:\/\/www.coversure.in\/blog\/health-insurance\/blog-health-insurance-atal-ayushman-uttarakhand-yojana\/","title":{"rendered":"What is the Atal Ayushman Uttarakhand Yojana?"},"content":{"rendered":"<table>\n<thead>\n<tr>\n<th><b>QUICK GIST<\/b><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">The Atal Ayushman Uttarakhand Yojana (AAUY) is Uttarakhand&#8217;s state-funded extension of Ayushman Bharat PM-JAY, launched in December 2018. Ayushman Bharat covered about 5 lakh families in the state; AAUY extended the same benefit to about 18 lakh more, so all around 23 lakh families have access. Each family gets cashless treatment of up to \u20b95 lakh per year for secondary and tertiary care, with no restriction on family size, age or gender. Pre-existing conditions are covered from day one, and pre- and post-hospitalisation costs are included. Treatment is available at public and empanelled private hospitals across India. You need an Ayushman Golden Card and must carry a government ID such as Aadhaar, PAN or Voter ID every time you seek treatment. State government employees and pensioners have a separate, unlimited-cover scheme.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><b>Atal Ayushman Uttarakhand Yojana: The Hill State&#8217;s \u20b95 Lakh Golden Card, Explained Simply<\/b><\/h2>\n<h3><b>When a whole state gets the same card<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">In late 2018, Uttarakhand did something few states had tried. Instead of covering only families on the national Ayushman Bharat list, it extended the same \u20b95 lakh cover to every family in the state.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That&#8217;s the Atal Ayushman Uttarakhand Yojana. In a state where a serious illness can mean a long drive down mountain roads to Dehradun, Rishikesh or Delhi, having a card that works across India matters a lot.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The scheme is generous and simple. But a few small details, like carrying ID with your card, can trip people up. Here&#8217;s everything in one place.<\/span><\/p>\n<table>\n<thead>\n<tr>\n<th><b>Parents in Pauri, you in Gurugram, and nobody remembers where the Golden Card is?<\/b><span style=\"font-weight: 400;\"> We can help. <\/span><a href=\"https:\/\/www.coversure.in\/?utm_source=blog&amp;utm_medium=website&amp;utm_campaign=blog&amp;utm_id=1#bookacall\"><span style=\"font-weight: 400;\">Book a call with us<\/span><\/a><span style=\"font-weight: 400;\"> and we&#8217;ll help you plan the family&#8217;s cover. No hairpin bends involved.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<h3><b>What AAUY gives you<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u20b95 lakh per family per year<\/b><span style=\"font-weight: 400;\"> for secondary and tertiary care.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>No limit on family size, age or gender.<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Pre-existing conditions covered from day one.<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Pre- and post-hospitalisation costs<\/b><span style=\"font-weight: 400;\"> included.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Public and empanelled private hospitals across India.<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>No premium<\/b><span style=\"font-weight: 400;\"> for families.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Government employees and pensioners are covered under a separate State Government Health Scheme, which offers unlimited cover.<\/span><\/p>\n<table>\n<thead>\n<tr>\n<th><b>Have a private policy as well?<\/b> <a href=\"https:\/\/www.coversure.in\/knowyourpolicy\"><span style=\"font-weight: 400;\">Know Your Policy<\/span><\/a><span style=\"font-weight: 400;\"> decodes it into plain language: benefits, limits, waiting periods and exclusions. Useful for seeing what it adds on top of your Golden Card.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<h3><b>How to get your Golden Card<\/b><\/h3>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Gather documents:<\/b><span style=\"font-weight: 400;\"> Aadhaar card, ration card and a registered mobile number. Keep address and income proof handy too.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Visit a CSC, empanelled hospital or camp.<\/b><span style=\"font-weight: 400;\"> The state and local bodies run special camps, including for people without ration cards and elderly people who struggle with fingerprint scans.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Complete verification<\/b><span style=\"font-weight: 400;\"> and get your Golden Card.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Carry your card and a government ID<\/b><span style=\"font-weight: 400;\"> (Aadhaar, PAN or Voter ID) every time you go to an empanelled hospital.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Get treated cashless<\/b><span style=\"font-weight: 400;\"> for covered care.<\/span><\/li>\n<\/ol>\n<table>\n<thead>\n<tr>\n<th><b>Ready to check your card or find a hospital?<\/b><span style=\"font-weight: 400;\"> Visit the <\/span><a href=\"https:\/\/sha.uk.gov.in\"><span style=\"font-weight: 400;\">official State Health Authority Uttarakhand website<\/span><\/a><span style=\"font-weight: 400;\"> for the hospital list, card details and updates. More reliable than the chai-stall consensus.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<p>&nbsp;<\/p>\n<table>\n<thead>\n<tr>\n<th><b>Family in Uttarakhand, Himachal and Uttar Pradesh?<\/b><span style=\"font-weight: 400;\"> The <\/span><a href=\"https:\/\/unfold.coversure.in\/state-health-schemes\"><span style=\"font-weight: 400;\">CoverSure State Health Scheme Calculator<\/span><\/a><span style=\"font-weight: 400;\"> compares all three schemes side by side.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<h3><b>The small details that matter<\/b><\/h3>\n<p><b>Always carry ID with your card.<\/b><span style=\"font-weight: 400;\"> The official site says you need a government ID along with your Ayushman card at the hospital. Keep both together.<\/span><\/p>\n<p><b>Get the card before the emergency.<\/b><span style=\"font-weight: 400;\"> Fingerprint issues, missing ration cards and paperwork gaps are easier to fix on a calm day than in a hospital lobby.<\/span><\/p>\n<p><b>Other scheme members are outside it.<\/b><span style=\"font-weight: 400;\"> Families covered under CGHS, ECHS, ESI or the state employees&#8217; scheme use those instead.<\/span><\/p>\n<p><b>Admissions, not routine visits.<\/b><span style=\"font-weight: 400;\"> AAUY covers secondary and tertiary hospital care, not routine OPD.<\/span><\/p>\n<p><b>\u20b95 lakh is for the whole family.<\/b><\/p>\n<table>\n<thead>\n<tr>\n<th><b>Paying for a private policy as well as holding a Golden Card?<\/b><span style=\"font-weight: 400;\"> A <\/span><a href=\"https:\/\/policycheck.coversure.in\/?utm_source=blog&amp;utm_medium=website&amp;utm_campaign=blog&amp;utm_id=1\"><span style=\"font-weight: 400;\">Policy Health Check<\/span><\/a><span style=\"font-weight: 400;\"> reviews it across 30+ parameters for \u20b999, against 1,500+ plans. Make sure the two aren&#8217;t doing the same job.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<p>&nbsp;<\/p>\n<table>\n<thead>\n<tr>\n<th><b>Golden Card in Dehradun, term plan papers in Haldwani, car insurance in your glovebox?<\/b> <a href=\"https:\/\/coversure.onelink.me\/40Yt\/blog\"><span style=\"font-weight: 400;\">Add your state scheme to your CoverSure insurance portfolio<\/span><\/a><span style=\"font-weight: 400;\"> and keep them all in one app. Turn on <\/span><a href=\"https:\/\/coversure.onelink.me\/40Yt\/blog\"><span style=\"font-weight: 400;\">Family Share<\/span><\/a><span style=\"font-weight: 400;\"> so everyone in the family can reach the card details when the network finally works.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<h3><b>AAUY vs a private health plan<\/b><\/h3>\n<p><b>What AAUY does well<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Covers every eligible family in the state,<\/b><span style=\"font-weight: 400;\"> not just low-income ones.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u20b95 lakh with no premium.<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Day-one cover<\/b><span style=\"font-weight: 400;\"> for pre-existing conditions.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Hospitals across India,<\/b><span style=\"font-weight: 400;\"> helpful when specialist care means travelling to Delhi or Chandigarh.<\/span><\/li>\n<\/ul>\n<p><b>Where a private plan usually adds more<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Higher sums insured<\/b><span style=\"font-weight: 400;\"> for families that want more than \u20b95 lakh.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Actual bills paid,<\/b><span style=\"font-weight: 400;\"> subject to policy terms.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Room choice, restoration and cumulative bonus.<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Tax benefit<\/b><span style=\"font-weight: 400;\"> under Section 80D in the old tax regime (please verify current limits).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Contract certainty,<\/b><span style=\"font-weight: 400;\"> independent of scheme rules.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">AAUY is an excellent base for most families. A private plan or super top-up adds headroom for very expensive years.<\/span><\/p>\n<h3><b>When \u20b95 lakh meets a mountain emergency<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Meet the Negis (a hypothetical family; numbers are illustrative). They live near Chamoli.<\/span><\/p>\n<table>\n<thead>\n<tr>\n<th><span style=\"font-weight: 400;\">Event in the year (hypothetical)<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Used from the \u20b95 lakh<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Father&#8217;s spine surgery after a fall, at an empanelled Dehradun hospital<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b92.8 lakh<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Grandmother&#8217;s heart procedure<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91.9 lakh<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Left for the rest of the year<\/b><\/td>\n<td><b>\u20b930,000<\/b><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">Things outside the scheme: the long road journey, a relative&#8217;s stay in Dehradun, and physiotherapy visits after discharge.<\/span><\/p>\n<table>\n<thead>\n<tr>\n<th><b>Is your family underinsured, overinsured or balanced?<\/b><span style=\"font-weight: 400;\"> The <\/span><a href=\"https:\/\/www.coversure.in\/riskcalculator\"><span style=\"font-weight: 400;\">CoverRisk Calculator<\/span><\/a><span style=\"font-weight: 400;\"> checks your income, life stage, dependants and liabilities and tells you in minutes. Free, no obligation.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<h3><b>Who is eligible for AAUY?<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Permanent resident families of Uttarakhand.<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Not eligible for the state-funded part:<\/b><span style=\"font-weight: 400;\"> families covered under CGHS, ECHS, ESI or the State Government Health Scheme.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Government employees and pensioners:<\/b><span style=\"font-weight: 400;\"> covered separately under the State Government Health Scheme, with unlimited cover.<\/span><\/li>\n<\/ul>\n<p><b>Documents:<\/b><span style=\"font-weight: 400;\"> Aadhaar, ration card and registered mobile number.<\/span><\/p>\n<h3><b>AAUY at a glance<\/b><\/h3>\n<table>\n<thead>\n<tr>\n<th><span style=\"font-weight: 400;\">Detail<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Atal Ayushman Uttarakhand Yojana<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Launched<\/span><\/td>\n<td><span style=\"font-weight: 400;\">December 2018<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Run by<\/span><\/td>\n<td><span style=\"font-weight: 400;\">State Health Authority Uttarakhand<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Linked with<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ayushman Bharat PM-JAY<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Reach<\/span><\/td>\n<td><span style=\"font-weight: 400;\">About 23 lakh families (5 lakh via PM-JAY plus 18 lakh via AAUY)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Cover<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b95 lakh per family per year, secondary and tertiary care<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Pre-existing conditions<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Covered from day one<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Hospitals<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Public and empanelled private hospitals across India<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Card<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ayushman Golden Card, plus a government ID at every visit<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Premium<\/span><\/td>\n<td><span style=\"font-weight: 400;\">None<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Main limitations<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b95 lakh family limit, no routine OPD, ID needed at every visit<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Official website<\/span><\/td>\n<td><a href=\"https:\/\/sha.uk.gov.in\"><span style=\"font-weight: 400;\">sha.uk.gov.in<\/span><\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<table>\n<thead>\n<tr>\n<th><b>Prefer a quick swipe?<\/b><span style=\"font-weight: 400;\"> AAUY&#8217;s cover, card steps and the ID rule, in a short LinkedIn carousel. <\/span><a href=\"https:\/\/www.linkedin.com\/posts\/coversurein_atal-ayushman-uttarakhand-yojana-aauy-activity-7481255983634268160-Ydm2?utm_source=social_share_send&amp;utm_medium=member_desktop_web&amp;rcm=ACoAADVeF-cBvaVXbnx1zeM_6J_LbP2TEUYe-XI\"><span style=\"font-weight: 400;\">Swipe through it on CoverSure&#8217;s LinkedIn<\/span><\/a><span style=\"font-weight: 400;\"> and share it with the uncle who keeps his Golden Card &#8220;safely&#8221; somewhere nobody can find.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<h3><b>Quick answers (FAQs)<\/b><\/h3>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>What is Atal Ayushman Uttarakhand Yojana?<\/b><span style=\"font-weight: 400;\"> Uttarakhand&#8217;s extension of Ayushman Bharat, giving \u20b95 lakh cashless cover per family per year.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Who is eligible?<\/b><span style=\"font-weight: 400;\"> Permanent resident families of Uttarakhand, except those covered under CGHS, ECHS, ESI or the state employees&#8217; scheme.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Can I use the card outside Uttarakhand?<\/b><span style=\"font-weight: 400;\"> Yes, at public and empanelled private hospitals across India.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>What do I carry to the hospital?<\/b><span style=\"font-weight: 400;\"> Your Ayushman Golden Card and a government ID such as Aadhaar, PAN or Voter ID.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Are pre-existing conditions covered?<\/b><span style=\"font-weight: 400;\"> Yes, from day one.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>What do government employees get?<\/b><span style=\"font-weight: 400;\"> A separate state scheme with unlimited cover.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Is there a premium?<\/b><span style=\"font-weight: 400;\"> No.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>&#8220;Hey Google, where can I check my Ayushman Golden Card in Uttarakhand?&#8221;<\/b><span style=\"font-weight: 400;\"> On the State Health Authority Uttarakhand website or the PM-JAY beneficiary portal.<\/span><\/li>\n<\/ol>\n<table>\n<thead>\n<tr>\n<th><b>Your Golden Card handles the hospital. CoverSure handles the rest.<\/b> <a href=\"https:\/\/coversure.onelink.me\/40Yt\/blog\"><span style=\"font-weight: 400;\">Download the CoverSure app<\/span><\/a><span style=\"font-weight: 400;\"> for policy storage, <\/span><a href=\"https:\/\/www.coversure.in\/insurance-renewal\"><span style=\"font-weight: 400;\">renewal<\/span><\/a><span style=\"font-weight: 400;\"> reminders and <\/span><a href=\"https:\/\/www.coversure.in\/SoS\"><span style=\"font-weight: 400;\">SOS<\/span><\/a><span style=\"font-weight: 400;\"> alerts when you&#8217;re far from help.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<p><span style=\"font-weight: 400;\">Next up: Delhi. <\/span><a href=\"https:\/\/coversure.onelink.me\/40Yt\/blog\"><span style=\"font-weight: 400;\">Subscribe to the CoverSure newsletter<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>QUICK GIST The Atal Ayushman Uttarakhand Yojana (AAUY) is Uttarakhand&#8217;s state-funded extension of Ayushman Bharat PM-JAY, launched in December 2018. Ayushman Bharat covered about 5 lakh families in the state; AAUY extended the same benefit to about 18 lakh more, so all around 23 lakh families have access. Each family gets cashless treatment of up [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":1864,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[7],"tags":[124],"class_list":["post-1863","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health-insurance","tag-state-health-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.6 (Yoast SEO v22.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Atal Ayushman Uttarakhand Yojana: \u20b95 Lakh for Every Family<\/title>\n<meta name=\"description\" content=\"Atal Ayushman Uttarakhand gives resident families \u20b95 lakh cashless cover a year, usable across India. 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