India has approved an expansion of the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) to include senior citizens aged 70 and above, regardless of their income. Announced on September 11, 2024, this initiative enhances healthcare access for the elderly, providing critical support to a vulnerable population.
Eligibility
- Who is eligible? All seniors aged 70+ are eligible, including those already enrolled in AB PM-JAY and those previously uncovered.
Coverage Details
- Existing beneficiaries: Seniors will receive an additional coverage of up to ₹5 lakh per year, separate from the family’s existing policy.
- New beneficiaries: Seniors not yet enrolled in AB PM-JAY will receive family-based coverage of up to ₹5 lakh per year.
Integration with Other Health Schemes
- Public schemes: Seniors covered by schemes like CGHS, ECHS, or Ayushman CAPF can either retain their current coverage or switch to AB PM-JAY.
- Private insurance: Seniors under private health insurance or ESI can also access AB PM-JAY benefits.
How to Apply
- Visit the official website.
- Verification: Validate your Aadhaar or ration card at a PMJAY kiosk.
- Submit Proofs: Provide family identification documents.
- Get your e-Card: Receive an e-card with a unique AB PM-JAY ID.
Scheme Benefits
AB PM-JAY covers:
- Medical consultations and treatment
- Pre-hospitalisation care (up to 3 days before admission)
- Medicines, medical implants, and ICU care
- Diagnostics, laboratory investigations, and post-treatment complications
This expansion is expected to benefit 45 million families, reaching around 60 million senior citizens across India, ensuring greater healthcare accessibility and financial protection for the elderly population.
