Ayushman Bharat Pradhan Mantri Jan Aarogya Yojana (AB PM-JAY) for Senior Citizens.

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The Ayushman Bharat Pradhan Mantri Jan Aarogya Yojana (AB PM-JAY) is a government-backed health insurance scheme primarily for low-income groups, now extended to all senior citizens aged 70 and above, regardless of their income level.

How to Apply for the Ayushman Card for Seniors Aged 70 and Above

Online Registration: Visit the NHA Portal

Senior citizens can apply for the Ayushman card online through the official National Health Authority (NHA) website or the Ayushman app.

Steps to Apply via the NHA Portal

1. Access the Portal: Go to the NHA Beneficiary portal.
2. Login: Enter your phone number, solve the captcha, and authenticate with OTP.
3. Enrolments Banner: Click on the banner for senior citizens aged 70+.
4. Fill in Personal Details: Provide your state, district, and Aadhaar number.
5. Complete KYC: Use Aadhaar OTP for verification and upload a recent photo.
6. Download Card: After approval, download the Ayushman Vaya Vandana Card within 15 minutes.

Steps to Apply via the Mobile Application

1. Download the App: Install the Ayushman app on your phone.
2. Login as a Beneficiary: Enter captcha and mobile number, authenticate with OTP.
3. Fill in Beneficiary Information: Provide Aadhaar details and make the necessary declaration.
4. Upload a Photo: Capture and upload a recent photograph.
5. Submit the Application: Enter required details for the beneficiary and family, then complete eKYC.
6. Download the Card: The card will be available for download after successful registration.

If there are discrepancies or if a beneficiary is not found, ensure to complete the eKYC process and give consent for OTP verification.

Important Points to Remember

• Unique Ayushman Card for Seniors: Senior citizens aged 70 and above will receive a special, distinct card under the Ayushman Bharat PM-JAY scheme.

• Exclusive Top-Up Coverage: Seniors within families already covered by AB PM-JAY will receive an additional ₹5 lakh annual top-up coverage, exclusive to them and not shared with family members under 70.

• Family Coverage for Non-Enrolled Seniors: Seniors not included in an existing AB PM-JAY family plan will receive ₹5 lakh annual coverage on a family basis.

• Choice of Health Insurance Scheme: Seniors currently enrolled in other public health schemes, such as CGHS, ECHS, or Ayushman CAPF, can continue their current plan or opt for AB PM-JAY.

• List of Empanelled Hospitals for AB-PMJAY Scheme:

View List of Hospitals

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FAQs on Benefits for Senior Citizens under the AB-PMJAY Scheme

1. Who is eligible under the Ayushman Bharat PM-JAY scheme for senior citizens?
   All senior citizens aged 70 or older are eligible for free medical treatment up to ₹5 lakh under this scheme, regardless of their income.

2. How many senior citizens aged 70 and above are there in India?
   Around 6 crore senior citizens, from approximately 4.5 crore families, are aged 70 or older in India.

3. What are the eligibility requirements for senior citizens under this scheme?
   The only requirement is that the individual must be 70 years or older, as recorded in their Aadhaar card, regardless of income.

4. Is Aadhaar required for enrolment in the scheme?
   Yes, Aadhaar-based e-KYC is mandatory for enrolment and issuance of the Ayushman card for eligible senior citizens.

5. What documents are required to register for the AB PM-JAY Senior Citizen Scheme?
   Aadhaar is the only required document for enrolment.

6. If the Aadhaar only shows the birth year, how is the date of birth determined?
   If the birth year is listed in Aadhaar, January 1st of the following year will be considered the official date of birth.

7. Do I need to register both of my parents separately for the AB PM-JAY Senior Citizen Scheme if they are both over 70?
   No, only one enrolment is needed. After enrolling the first family member aged 70 or older, you can add other eligible members using the “Add Member” feature on the portal.

8. Will senior citizens receive a separate Ayushman card?
   Yes, a distinct Ayushman card will be issued to all eligible senior citizens aged 70 or older.

9. Can I apply for the Ayushman card online for my parents who are 70 or older?
   Yes, you can apply for the Ayushman Bharat Senior Citizen Scheme via our website beneficiary.nha.gov.in or through the Ayushman App on the Google Play Store.

10. Can I start receiving treatment right after enrolling in the AB PM-JAY Senior Citizen Scheme?
    Yes, beneficiaries can access treatment immediately after enrolment, with no waiting period for any treatment or disease.

11. My father is over 70 years old and earns more than ₹50,000 per month. Is he eligible for this scheme?
    Yes, there is no income limit for eligibility. Any Indian citizen aged 70 or older qualifies, irrespective of income.

12. Will both my paternal and maternal grandparents, who are over 70, receive ₹5 lakh coverage under PM-JAY?
    No, the ₹5 lakh coverage is provided on a family basis. Both grandparents will be covered, but the ₹5 lakh annual limit will be shared between them as part of the same family.

13. My family is already enrolled in Ayushman Bharat. Will my father, who is over 70, receive the additional top-up benefit?
    Yes, your father is eligible for the additional top-up benefit. However, he will need to complete Aadhaar e-KYC again.

14. If my family is already covered by Ayushman Bharat, will we now receive ₹10 lakh coverage under this scheme?
    No, the additional ₹5 lakh coverage is only for family members aged 70 or older. The rest of the family will continue to receive their existing ₹5 lakh coverage.

15. My father is over 70 and has private health insurance. Will he still be a beneficiary under PM-JAY?
    Yes, your father remains eligible for PM-JAY coverage, even if he has private health insurance.

16. My parents are over 70 and covered under ESIC. Can they still benefit from PM-JAY?
    Yes, your parents can still receive coverage under PM-JAY, even if they are enrolled in ESIC.

17. I am a retired government employee over 70 with a CGHS card. Can I enrol in this scheme too?
    Yes, you are eligible. However, government employees benefiting from other health schemes must choose either their existing scheme benefits or those under AB PM-JAY, as dual coverage is not allowed.

18. If my parents opt for AB PM-JAY and give up their current government health scheme, can they switch back?
    No, once your parents choose AB PM-JAY and cancel their previous government health scheme, they cannot revert to it. This decision is final.