Ayushman Bharat Health Insurance for Senior Citizens Aged 70 and Above
The Ayushman Bharat health insurance scheme now extends coverage to senior citizens aged 70 and above, providing them with essential healthcare services and financial protection against medical expenses.
Ayushman Bharat
Ayushman Bharat Card
The advantages of Ayushman Bharat will now be accessible to all senior citizens aged 70 and above, regardless of their socioeconomic status, as the government has approved health insurance coverage under the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY).
Ayushman Bharat: Who is Already Covered under the Scheme?
Senior citizens aged 70 and above who belong to families already covered under AB PM-JAY will receive an additional top-up cover of up to ₹5 lakh per year for themselves, separate from the coverage of family members under 70. This means they will have up to ₹5 lakh in extra insurance coverage annually, distinct from the other family members' plans. Eligible senior citizens will also be issued a new, unique card under AB PM-JAY.
How to Apply
1. Visit the PMJAY Website: Go to the PMJAY website and click on the "AM I Eligible" tab. Verify your mobile number by entering the OTP.
2. Select State and Scheme: Choose your state and the relevant scheme to view your family details and eligibility.
3. Register on SETU: Open https://ayushmanup.in/ and click on ‘’Register Yourself on SETU.’’
4. Access NHA’s Setu Portal: This will redirect you to the NHA’s Setu portal.
5. Complete Registration: Click on the “Register” button and fill out all mandatory fields. Then, click “Submit.”
6. KYC Process: Upon successful registration, complete your KYC and wait for approval. Once the card is ready and approved by the competent authority, you can download it.
7. Download Ayushman Card: Click on "Download Ayushman Card."
8. Enter Details: Select your state, enter your Aadhar card number, and verify it with an OTP.
9. Download the Card: Finally, click on the download button to obtain your Ayushman card.
Benefits Under the Scheme
1. Medical examinations, treatment, and consultations
2. Pre-hospitalisation expenses
3. Medications and medical consumables
4. Non-intensive and intensive care services
5. Diagnostic and laboratory investigations
6. Medical implantation services (when necessary)
7. Accommodation benefits
8. Food services
9. Coverage for complications arising during treatment
10. Post-hospitalisation follow-up care for up to 15 days
Key New Developments
1. New Distinct Card: Eligible senior citizens aged 70 and above will receive a new, dedicated card under the AB PM-JAY scheme.
2. Top-Up Coverage: Senior citizens in families already covered by AB PM-JAY will receive an additional top-up cover of up to ₹5 lakh per year, which they will not have to share with family members under 70.
3. Family Coverage: Senior citizens without existing AB PM-JAY family coverage will be provided with up to ₹5 lakh per year on a family basis.
4. Choice of Schemes: Senior citizens benefiting from other public health insurance schemes, such as the Central Government Health Scheme (CGHS), Ex-Servicemen Contributory Health Scheme (ECHS), or Ayushman Central Armed Police Force (CAPF), can choose to continue with their current scheme or opt for AB PM-JAY.
5. Eligibility with Private Insurance: Senior citizens covered by private health insurance policies or the Employees' State Insurance scheme are also eligible to benefit from AB PM-JAY.
