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Updated: 28-01-2025 at 6:24 AM
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The Ayushman Bharat Yojana is one of the major healthcare insurance schemes launched by the government to protect and enhance the health and well-being of the citizens of the country. This govt. scheme has expanded its boundaries and now covers elderly individuals above the age of 70 as well through its sub-scheme. i.e. the Ayushman Vaya Vandana Card.
Name of the scheme | Ayushman Bharat Yojana |
---|---|
Sub-scheme | Ayushman Vaya Vandana Card |
Launched by | Indian government |
Launched in | 2018 |
Objective | To provide quality healthcare services to people at affordable prices |
Financial coverage | Rs. 5 lakh per year per family |
Target group | People from the vulnerable sections of society, the elderly above the age of 70 years, and women and children |
The recent expansion of the Ayushman Bharat Yojana is in its beneficiary list as the scheme now provides health coverage to senior citizens above the age of 70 years as well. It was one of the most landmark developments of the scheme which would allow senior citizens to avail of Rs. 5 lakh per year for any sort of medical treatment they might need.
The cost of this expansion is around Rs. 3437 crores.
"The biggest concern of the elderly is how they will afford treatment for their ailments. This concern is even more serious for the middle class. BJP has now taken the 'sankalp ' that every individual above 70 years of age will be brought within the purview of Ayushman Bharat Yojana," PM Modi said and he fulfiled his commitment.
Ayushman Bharat scheme aims to make secondary and tertiary healthcare completely cashless for the underprivileged and senior citizens of society. The beneficiaries can access hospitalisation services using the Ayushman Bharat card. People can simply walk into a hospital and access cashless treatment.
Under the Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (AB-PMJAY), free health services are being provided to 55 crore beneficiaries, President Draupadi Murmu said. Now the scheme covers every elderly person above 70 years of age as well.
Read more: eShram Card
One of the sub-schemes of the Ayushman Bharat Yojana is the Ayushman Vaya Vandana Card through which senior citizens above the age of 70 years can reap healthcare benefits and financial coverage of Rs. 5 lakh per year. Senior citizens can avail of medical treatment through the Ayushman Vaya Vandana Card at any empaneled hospital.
There are various benefits of the Ayushman Vaya Vandana Card. Some of the major benefits are:
Medical care: Senior citizens can avail of medical treatment at any of the empaneled hospitals through the Ayushman Vaya Vandana Card.
Financial aid: The card provides medical coverage of Rs. 5 lakhs annually per family.
Economic background: Senior citizens irrespective of their economic backgrounds can apply for the Ayushman Vaya Vandana Card.
Interested individuals first need to ensure whether they fit into the eligibility criteria or not. The eligibility criteria are as follows:
Individuals should be above the age of 70 years.
Applicants need to submit just one document to successfully apply for the Ayushman Vaya Vandana Card:
Aadhar card
Interested and eligible individuals can apply for the Ayushman Vaya Vandana Card by following the steps mentioned below:
Visit the official website of PM-JAY.
Navigate to the Ayushman Vaya Vandana Card.
Fill in your details.
Upload your aadhar card.
Apply for the scheme.
To download the Ayushman Vaya Vandana Card, follow the steps given below.
Visit the official Ayushman website.
Now login using your registered mobile number and enter the captcha code.
Click on ‘Search’ after entering your state name, ID, family ID, UID number, and PM JAY scheme name.
You will now be able to view all the cards linked to your Aadhaar number along with the current status.
If your KYC has already been completed, you can directly click on the download icon.
Enter your Aadhaar number and enter the OTP received on your registered Aadhaar-linked mobile number.
Click on ‘download.’ Your card will be downloaded in a PDF format.
Ayushman Bharat Yojana was introduced by PM Narendra Modi to improve the healthcare system and make it more accessible to everyone. PMJAY provides healthcare insurance of a maximum of Rs. 5 lakhs. It covers medical treatment costs, medications, diagnostics, and pre-hospitalisation.
The Ayushman Bharat Yojana has several features that outline its goals. The key features of the govt. scheme are listed below:
Financial aid: The Ayushman Bharat Yojana offers free health coverage of up to Rs. 5 lakhs per family per year which covers expenses of medical treatments and procedures.
Beneficiaries: The scheme benefits approximately 55 crore individuals, especially those from the vulnerable sections of society, including senior citizens above the age of 70 years.
Medical procedures: The Ayushman Bharat Yojana covers nearly 1949 medical procedures for various critical diseases with free medication and related care.’
Hospitals: People can reap the benefits of the scheme at over 30,000 empaneled hospitals and avail of cashless medical treatment.
The Ayushman Bharat scheme has helped around 34 crore beneficiaries access healthcare. The major benefits of the scheme are:
Provides up to Rs. 5 lakhs per family.
Coverage is provided for medical exams, treatment, and consultations.
Covers pre-hospitalisation costs.
Provides coverage for intensive and non-intensive care.
Covers hospital stays.
Includes meals during hospital stay.
Covers post-hospitalisation charges after discharge for up to 15 days.
There is no limit on the number of members covered.
Senior citizens above 70 years.
Read more: Death Certificate
To apply for the Pradhan Mantri Jan Arogya Yojana, an individual must fulfil the following eligibility criteria which varies for rural and urban households.
The eligibility is based on six deprivation criteria.
D1- Families living in one room with kacha walls and roof.
D2- Families with no adults between 16 and 59 years old.
D3- No adult members between the age of 16-59 years.
D4- Households with a disabled member or without a full able-bodied adult.
SC/ST households.
Landless households with major income from manual labour.
Eligibility is based on eleven occupational categories.
Domestic worker.
Beggar.
Ragpicker.
Artisans/tailors/handicraft workers.
Sanitation workers.
Construction workers/labourers/painters etc.
Chowkidar.
Waiter/delivery boy/ helper.
Street vendors/cobblers.
Read more: EWS Certificate
To apply for an Ayushman Bharat PM JAY card, follow the procedure given below.
Visit the official PMJAY website.
Log into the portal.
Click on ‘Registration’ or ‘Apply for PMJAY’.
Fill out the required details. Ensure all information provided is up to date.
Enter the OTP for verification.
Fill in personal details.
Upload necessary documents.
Submit.
To apply for the govt scheme, Ayushman Bharat Yojana, the following documents are required.
Caste certificate.
Document proof of the current status of the family.
Read more: Jeevan Pramaan Certificate
Overall, the Ayushman Bharat Yojana is a great addition by the PM to the government schemes. According to the website, "Ayushman Bharat is an attempt to move from a sectoral and segmented approach of health service delivery to a comprehensive need-based health care service." The scheme also has a sub-scheme. i.e. the Ayushman Vaya Vandana Card which allows senior citizens to reap the scheme’s benefits as well.
For any queries, readers can call on helpline number 14477.
You can also reach out to Jaagruk Bharat through their community page with any questions that you might come across.
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