Ayushman Bharat Insurance Scheme: PM Modi fulfilled a big election promise regarding Ayushman Bharat Insurance Scheme
When the Ministry of Health and Family Welfare made the proposal, it was a major step in ensuring that India’s oldest citizens receive better geriatric services. And Wednesday made it clear that even those aged above 70 years as the flagship Ayushman Bharat Pradhan Mantri Jana Arogya Yojana (AB PM-JAY) will not depend on income status.
In April, the Prime Minister Narendra Modi hinted that health insurance would now be available to senior citizens who are 70 years and above.
• Overview of Coverage: The scheme protects 4.5 crore families and 6 crore elderly people from health expenditure by providing free outpatient and inpatient health cover of up to ₹ 5,00,000 annually per family.
• New AB PM-JAY Cards: Elderly individuals who are eligible under The AB PM-JAY programme would receive a new, distinctive card that will be different from the others.
• Extra Coverage for Seniors: Every enrolled elderly citizen undertaking AB PM-JAY aged 70 years and above will receive an extra top up cover of up to ₹250000 annually.
• Selecting Your Health Insurance: Seniors aged 70 years and above enrolled in other public health insurance plans would be allowed to maintain their existing plan or shift to AB PM-JAY.
Taking into account increased coverage in the coming years, an estimated 4.5 crore households are expected to benefit from this programme, which would cover Rs. 5 Lac per family in health insurance to nearly 6 crores elderly population. “Anyone above the age of seventy five who is a senior citizen is eligible for AB PM-JAY benefits, regardless of his income. AB PM-JAY, upon age qualification, the elderly woman will receive a new sash card.
As per the information received by the Information Division, individuals of age seventy and above having families inscribed under PM-JAY will receive an additional insurance benefit worth Rs. 5 lakhs every year.” Also, seniors over the age of 70 will receive additional benefits including family health insurance cover up to 5 Lakh rupees a year. As per the health insurance markets for social intervention limiting to the specific age group, those aged sixty and beyond can join the AB PM-JAY. However, individuals are free to request PM-JAY AB or automatically retained in a.
