In a significant move to expand healthcare access, Prime Minister Narendra Modi recently announced that all senior citizens aged 70 and above will be provided health insurance coverage under the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY), regardless of their income status. This initiative ensures that elderly citizens can receive essential medical treatment without financial constraints.
Key Highlights of The Scheme:
1. Eligibility: Any Indian citizen aged 70 years or older is eligible for health coverage under this scheme. The only requirement is the individual’s age, which is determined based on the Aadhaar card. There are no income criteria for eligibility.
2. Insurance Coverage: The scheme provides a coverage of *Rs. 5 lakh* per family on a yearly basis. This amount is shared between all family members. However, for families with members aged 70 or above, an additional *Rs. 5 lakh* coverage is provided for the elderly members, bringing their total coverage to Rs. 10 lakh. The remaining family members continue to receive the original Rs. 5 lakh coverage.
3. New Ayushman Vaya Vandana Card: Senior citizens aged 70 and above will receive a new, distinct Ayushman card known as the Ayushman Vaya Vandana Card*. This card will allow them to access free medical treatment across empanelled hospitals.
4. Immediate Coverage: Once enrolled, beneficiaries can begin accessing healthcare benefits right away. There is no waiting period for treatment, and no disease or medical condition is excluded from the coverage. This means immediate access to necessary healthcare services.
5. Enrollment Process: To apply for the Ayushman Vaya Vandana Card and avail the insurance benefits, follow these steps:
Step 1: Download the Ayushman Bharat mobile app.
Step 2: Log in as a beneficiary and enter your mobile number.
Step 3: Provide your Aadhaar details and complete the eKYC process.
Step 4: If not already registered, give consent for OTP verification and proceed with the eKYC.Step 5: Capture a photo and submit any additional application details required.
Step 6: Enter the mobile number, OTP, and other relevant details such as category, pin code, and family members.
Step 7: Complete the eKYC and wait for approval. Once approved, the Ayushman Vaya Vandana Card can be downloaded.
Benefits for Senior Citizens:
This initiative marks a major milestone in supporting the elderly population. As per the Press Information Bureau (PIB), the Ayushman Vaya Vandana Card will not only ensure free treatment in hospitals but will also significantly reduce the financial burden on families, easing their worries about healthcare costs.
With no income limit and immediate coverage, this scheme is designed to improve healthcare access for senior citizens and ensure that they can live with dignity and health, without the added stress of medical expenses.
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