Health insurance for senior citizens provides medical coverage to individuals which covers pre- and post-hospitalization expenses, daycare procedures, and sometimes critical illness.
Is it possible to provide free health service to the most populated country?
Yes, the Goverment made an announcement to offer free health insurance coverage in India who are above the age of 70.
The government is basically expanding the scheme of existing one i.e., Ayushman Bharat Pradhan Mantri Jan Arogya Yojana.
Under Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY), the government provides free medical treatment to Ayushman card holder of Rs. 5 lakhs.
Purpose of Ayushman Card
To reduce medical expenses.
What is Ayushman Card?
Ayushman Card is a digital card with which beneficiaries can benefit this scheme.
Effective Date
Ayushman Bharat Pradhan Mantri Jan Arogya Yojana was started on 23rd September 2018.
In this scheme, every family gets 5 lakh per annum as a annual insurance cover in which secondary and tertiary care hospitalization coverage is given.
Who bears the cost AB PM-JAY?
The entire cost borne by Central and state Government.
Expenses Covered under this Health Insurance for Senior Citizens
- Medical examination
- Treatment
- Consultation,
- Surgeon charges
- Medicines, Non-intensive and intensive care units.
- Diagnostic and laboratory investigations
- Accommodation benefits (including OT and ICU charges)
- Food services
- Expenses related to complications during treatment are covered.
Benefit from the Expansion of the AB PM-JAY Scheme for Senior Citizens
Free Health Coverage for Senior Citizens 70+
All senior citizens whose age is 70 years and above, regardless of income, are eligible for health coverage under AB PM-JAY.
Coverage
Rs. 5 lakh per family per year for health insurance, benefiting 6 crore senior citizens.
New Health Cards
Distinct cards will be issued for eligible seniors.
Top-up for Existing Beneficiaries
Seniors in families already covered under AB PM-JAY will receive an additional top-up cover of Rs. 5 lakh for themselves.
Choice for Existing Scheme Users
Seniors under CGHS, ECHS, CAPF, private insurance, or ESIC can opt for AB PM-JAY.
Income Tax For Senior Citizens Click Here
FAQs
PM-JAY provides cashless access to healthcare services at empanelled public and private hospitals across India.
No, PM-JAY has no restrictions on family size, age, or gender.
Yes, PM-JAY benefits are portable and can be accessed at any empanelled hospital across the country.