Pradhan Mantri Jan Arogya Yojana: Senior citizens were already included under this scheme. Now the Modi government has given a new surprise in the Ayushman Bharat scheme. On Wednesday, the Union Cabinet approved health coverage for all senior citizens above 70 years of age under this flagship scheme.
Who will get this benefit
On Wednesday, the Union Cabinet chaired by Prime Minister Narendra Modi approved health coverage for all senior citizens above 70 years of age, irrespective of income, under the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana. As a result, you will get this benefit regardless of your economic status.
What are the benefits in it?
After the cabinet meeting today, Union Minister Ashwini Vaishnav said, “It has been decided to cover senior citizens above 70 years of age under Ayushman Bharat Pradhan Mantri Jan Arogya Yojana, universal health coverage. This is a big decision. There is great humanitarian thinking in this decision. They will get free treatment up to Rs 5 lakh. This will cover about 4.5 crore families in the country, which will include about 6 crore senior citizens.”
Modi keeps promise
The expansion of cover to senior citizens above 70 years of age was earlier announced by Prime Minister Modi while launching the BJP’s manifesto for the Lok Sabha elections in April 2024.
Free services will be available irrespective of socio-economic status
According to a cabinet statement, all senior citizens above 70 years of age, irrespective of their socio-economic status, will be eligible for the benefits of AB PM-JAY. A new separate card will be issued to eligible senior citizens under this scheme.
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Senior citizens aged 70 years and above, who are already covered under this scheme, will get an additional top-up cover of up to Rs 5 lakh per year for themselves (which will not have to be shared with other members of their family who are below 70 years of age). All other senior citizens aged 70 years and above will get a cover of up to Rs 5 lakh per year on a family basis.
You can choose either
Senior citizens of the prescribed age group, who are already getting benefits under other public health insurance schemes like Central Government Health Scheme (CGHS), Ex-Servicemen Contributory Health Scheme (ECHS), or Ayushman Central Armed Police Forces (CAPF) can continue their existing scheme or opt for AB PMJAY.
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You will get benefits even if you are under a state government scheme
Those who have a private health insurance policy or are covered under the Employees’ State Insurance Scheme will be eligible to get benefits under AB PM-JAY.
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What is Ayushman Bharat Pradhan Mantri Jan Arogya Yojana
This AB PM-JAY is the world’s largest publicly funded health insurance scheme that provides health cover of Rs 5 lakh per family for secondary care hospital admissions to 55 crore individuals corresponding to 12.34 crore families. All eligible family members irrespective of age are covered under this scheme, the statement said, adding that it has provided benefits to 7.37 crore hospital admissions, out of which 49 per cent are women beneficiaries. The public has received benefits of over Rs 1 lakh crore under this scheme.
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The AB PM-JAY scheme has witnessed a continuous expansion of the beneficiary base. Initially, 10.74 crore poor and vulnerable families comprising the bottom 40 per cent of India’s population were covered under this scheme. Later, the government revised the beneficiary base under AB PM-JAY from 10.74 crore to 12 crore families, taking into account an increase of 11.7 per cent in India’s population compared to 2011. The scheme was further expanded to cover 37 lakh ASHA/AWW/AWH and their families working across the country for free healthcare facilities.
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