Rs 5 Lakh Free Health Insurance Cover To Senior Citizens Aged 70 Years And More, No Income Threshold: All About Ayushman Bharat Pradhan Mantri Jan Arogya Yojana

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 Ayushman Bharat Pradhan Mantri Jan Arogya Yojana.

New Delhi: The Union Cabinet has approved the health coverage to all the senior citizens aged 70 years and above with Rs 5 Lakh free health insurance cover on a family basis irrespective of income under the flagship scheme Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY). This aims to benefit approximately 4.5 Crore families with six (6) crore senior citizens.

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.

1. All senior citizens of the age 70 years and above irrespective of their socio- economic status would be eligible to avail the benefits of AB PM-JAY. 

2. The eligible senior citizens would be issued a new distinct card under AB PM-JAY. 

3. The senior citizens of the age 70 years and above belonging to families already covered under AB PM-JAY will get an additional top-up cover upto 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). 

4. All other senior citizens of the age 70 years and above will get a cover upto ₹5 lakh per year on a family basis. 

5. 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.  

Ayushman Bharat Pradhan Mantri Jan Arogya Yojana Expansion

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. 

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.