Recently the Union Cabinet has decided to extend Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) coverage to all senior citizens aged 70 and above, regardless of income.

Key Features of the Expanded Coverage

• Eligibility: All senior citizens aged 70 and above are eligible, benefiting approximately six crore elderly individuals from 4.5 crore families.
  • Coverage includes an insurance amount of ₹5 lakh per family annually for hospitalisation.
• Distinct Benefits for Existing Beneficiaries: Seniors from families already enrolled in AB PM-JAY will receive an exclusive top-up of ₹5 lakh per year, separate from the family coverage for members under 70.
  • Those already covered by other public health insurance schemes like CGHS, ECHS, or CAPF have the choice to remain with their current plans or switch to AB PM-JAY.
• Inclusivity: The scheme is inclusive of senior citizens with private insurance or Employees’ State Insurance, allowing them to access AB PM-JAY benefits as well.

Enroll now for UPSC Online Classes

About Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY)

Ayushman Bharat Pradhan Mantri Jan Arogya Yojana: Launched in 2018 as the world’s largest publicly funded health assurance scheme, it initially targeted vulnerable populations covering 55 crore individuals from 12.34 crore families.

• The scheme is being implemented in 33 states and Union territories currently except for Delhi, Odisha, and West Bengal.
• The scheme, thus far, has facilitated 7.37 crore hospital admissions and benefited recipients by more than ₹1 lakh crore.
• Continuous Expansion: In January 2022, the beneficiary base was increased to 12 crore families due to population growth.
  • ASHA, Anganwadi Workers, and Helpers (AWWs/AWHs) and their families were added to the beneficiary pool, broadening the scheme’s outreach.
• Implications: This initiative reflects a shift toward universal health coverage for India’s elderly, aiming to address healthcare needs as the population ages.
  • By prioritising senior citizens, the government is addressing a demographic often vulnerable to high medical costs and limited insurance access, with the hope of promoting affordable, quality healthcare for all.

DOWNLOAD PDF