The Government of India launched the Ayushman Bharat Scheme for Senior Citizens to provide health security for citizens aged 70 and above. Approved on September 11, 2024, and rolling out on October 29, 2024, this scheme, also known as PMJAY for Senior Citizens, offers comprehensive life insurance coverage of up to INR 5 lakh, regardless of income, covering treatment, medications, diagnostics, and hospitalization costs. This initiative, led by Prime Minister Narendra Modi, targets around 6 crore senior citizens across India, aiming to alleviate healthcare costs for elderly citizens and ensure they have access to necessary medical resources.
Key Benefits of the Ayushman Bharat Scheme for Senior Citizens
| Features | Details |
|---|---|
| Scheme Name | Ayushman Bharat Scheme for Senior Citizens |
| Initiated By | Government of India |
| Insurance Coverage | Up to INR 5 lakh |
| Eligibility | Indian citizens aged 70+ |
| Expenses Covered | Hospital fees, medications, diagnostics |
| Beneficiary Count | Approx. 6 crore citizens |
| Application Process | Online through PMJAY portal |
The scheme provides an additional INR 5 lakh coverage if a family is already enrolled under Ayushman Bharat. Designed to remove the financial burden from healthcare expenses, this scheme helps economically unstable senior citizens by covering extensive medical costs.
Eligibility Criteria
To qualify for the Ayushman Bharat Scheme for Senior Citizens, applicants must:
- Be permanent residents of India.
- Be 70 years of age or older.
Eligible applicants are advised to apply via the official portal, where they can complete the application process by providing necessary personal information and documents.
Step-by-Step Application Process
- Visit the Official Website: Go to beneficiary.nha.gov.in and click on “Apply Online.”
- Complete the Form: Fill out all required personal and contact details.
- Submit Documents: Upload relevant documents such as Aadhaar card, address proof, and age proof.
- Review and Submit: Verify all entered details, then submit your application.
After application approval, beneficiaries will receive an Ayushman Bharat Card, which can be downloaded from the portal. This card ensures quick access to healthcare benefits at participating hospitals.
Benefits of the Ayushman Bharat Scheme
The Ayushman Bharat Scheme for Senior Citizens provides several advantages, including:
- Coverage of Medical Costs: It includes doctor’s fees, surgery charges, diagnostics, ICU costs, and medication.
- Financial Relief: The scheme especially helps financially disadvantaged senior citizens by covering up to INR 5 lakh in healthcare expenses.
- Access to Healthcare Facilities: Ensures senior citizens receive free healthcare across multiple hospitals in India.
Required Documents for Application
To complete the application, senior citizens will need the following documents:
- Aadhaar Card
- PAN Card
- Age Proof (Electricity bill, passport, etc.)
- Contact Information (Mobile number and email)
These documents help verify eligibility and expedite the application process.
Common FAQs
- Who is eligible for the Ayushman Bharat Scheme for Senior Citizens 2024?
Citizens of India who are aged 70 and above are eligible. - What is the insurance coverage under this scheme?
The scheme provides up to INR 5 lakh in insurance coverage for selected senior citizens. - Is the scheme applicable if a family is already enrolled in Ayushman Bharat?
Yes, families already enrolled in Ayushman Bharat will receive an additional top-up of INR 5 lakh under this scheme. - How can I apply for the scheme?
Eligible senior citizens can apply through the official website at beneficiary.nha.gov.in. - What expenses are covered under this scheme?
The scheme covers hospital fees, doctor consultations, medications, diagnostics, and other treatment-related expenses.