The families will get an additional top-up cover up to Rs 5 lakh per year for themselves, which they do not have to share with the other members of the family who are below the age of 70 years

The Indian government has approved health coverage for everyone aged 70 and above under the national insurance scheme Ayushman Bharat. The scheme will benefit 4.5 crore families accounting six crore senior citizens with 5 Lakh rupees free health insurance cover.

"With this approval, all senior citizens of the age 70 years and above irrespective of their socio- economic status would be eligible to avail the benefits of Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY),” the government statement said. “The eligible senior citizens would be issued a new distinct card under AB PM-JAY,"

According to the scheme, the families will get an additional top-up cover up to Rs 5 lakh per year for themselves, which they do not have to share with the other members of the family who are below the age of 70 years.

Senior citizens of the age 70 years and above who are already availing benefits of other public health insurance schemes such as Central Government Health Scheme (CGHS), Ex-Servicemen Contributory Health Scheme (ECHS), Ayushman Central Armed Police Force (CAPF) may either choose their existing scheme or opt for AB PMJAY, the government statement clarified.

However, senior citizens of 70 years and above who are under private health insurance policies or Employees’ State Insurance scheme will be eligible to avail benefits under AB PM-JAY.

AB PM-JAY is the world’s largest publicly funded health assurance scheme which provides health cover of Rs 5 lakh per family per year for secondary and tertiary care hospitalization to 55 crore individuals corresponding to 12.34 crore families. 

All members of the eligible families irrespective of age are covered under the scheme. The scheme has covered 7.37 crore hospital admissions including 49 percent women beneficiaries. The public has benefited to the extent of over Rs. 1 Lakh crore under the scheme.

The AB PM-JAY scheme has witnessed continuous expansion of the beneficiary base. Initially, 10.74 crore poor and vulnerable families comprising the bottom 40% of India’s population were covered under the scheme. Later, the Government of India, in January 2022 revised the beneficiary base under AB PM-JAY from 10.74 crore to 12 crore families considering India’s decadal population growth of 11.7 % over 2011 population. 

The scheme was further expanded to cover 37 lakh ASHAs/AWWs/AWHs working across the country and their families for free healthcare benefits. Taking the mission ahead, AB PM-JAY would now provide free healthcare coverage of Rs 5 lakh to all citizens of the age-group of 70 years and above across the country.

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