In a significant step toward enhancing geriatric care in India, the government has approved universal health coverage for senior citizens. Announced on Wednesday, individuals aged 70 and above, regardless of income, are now eligible for coverage under the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY).
The expansion, originally declared by Prime Minister Narendra Modi in April, marks a major milestone in healthcare accessibility. Under this scheme, senior citizens aged 70 and above can avail free health insurance of up to ₹5 lahks annually on a family basis. This initiative is set to benefit 4.5 crore families and around 6 crore senior citizens across the country.
Highlights of the Coverage:
1. AB PM-JAY Cards for Senior Citizens: Eligible seniors will receive a special AB PM-JAY card, ensuring streamlined access to healthcare benefits.
2. Extra Top-Up Benefits: Those already covered under AB PM-JAY will receive an additional top-up of up to ₹25 lakh per year for healthcare expenses.
3. Flexible Insurance Options: Seniors currently enrolled in other public health insurance schemes like CGHS, ECHS, or Ayushman CAPF can either continue with their existing coverage or switch to AB PM-JAY for better benefits.
This landmark decision ensures that all senior citizens aged 70 and above, irrespective of their socio-economic status, can access essential health services without the burden of financial constraints. The government’s press release emphasized that this new top-up cover and extended coverage would significantly impact the lives of India’s aging population, fostering a healthier and more secure future.
Impact on Healthcare for Senior Citizens
This move is expected to revolutionize healthcare for the elderly, making medical treatments more accessible and affordable. With the introduction of special AB PM-JAY cards and the flexibility to choose between different insurance schemes, senior citizens now have greater control over their healthcare decisions.
The universal coverage will especially benefit those who have been unable to access quality medical care due to financial limitations, ensuring that India’s aging population receives the support they deserve in their golden years.
By providing comprehensive coverage and additional top-up benefits, the government is taking a proactive approach to safeguard the health and well-being of its senior citizens.
