Ayushman Bharat medical health insurance for senior residents: eligibility, protection particulars, prices. All of your queries answered

The Union authorities have expanded the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY), protecting all senior residents aged 70 and above, no matter their revenue. This enlargement goal is to offer medical health insurance protection of ₹5 lakh per household per year to roughly 4.5 crore households, benefiting around six crore senior residents.

Ayushman Bharat medical health insurance for senior residents: All you have to know

1) Eligibility and advantages

No matter socio-economic standing, each senior citizen aged 70 or older is eligible for the AB PM-JAY advantages. They are going to obtain a brand new, distinctive card to enter the scheme.

2) For these already lined underneath AB PM-JAY

Senior residents aged 70 and above who’re a part of households already lined underneath AB PM-JAY will obtain a further top-up of as much as ₹5 lakh per year, particularly for themselves. This quantity is separate from the protection shared with youthful relations.

3) For these with different public medical health insurance schemes

Seniors aged 70 and above who are at present benefiting from different public well-being schemes such as the Central Authorities Well-Being Scheme (CGHS), Ex-Servicemen Contributory Well-Being Scheme (ECHS), or Ayushman Central Armed Police Pressure (CAPF) have the selection to either keep on with their current protection or change to AB PM-JAY.

4) For personal medical health insurance holders

Sure, it has been clarified that senior residents of 70 years and above underneath personal medical health insurance policies might be eligible to avail of advantages underneath AB PM-JAY, stated Pankaj Mathpal, MD & CEO at Optima Cash Managers.

5) The way it works

Eligible senior residents might be issued a definite card underneath AB PM-JAY, which they’ll use to enter their medical health insurance protection. If a number of senior residents in an identical household are lined, each will profit from ₹5 lakh annual protection.

AB PM-JAY remains the world’s largest publicly funded well-being assurance scheme, providing complete secondary and tertiary care hospitalization protection to 55 crore people, or 12.34 crore households. The scheme consists of all eligible relations, no matter age.