Ayushman Bharat Update: Citizens Above 70 Eligible for ₹5 Lakh Free Treatment — Check Eligibility
In a major relief for senior citizens, the government has expanded benefits under the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY). Eligible individuals can receive up to ₹5 lakh per year in free medical treatment at empanelled hospitals across India.
The scheme offers cashless healthcare coverage for serious illnesses and surgeries, and the latest update brings significant advantages for citizens aged 70 years and above.
Free Health Cover for Citizens Above 70
Under the revised provisions, every Indian citizen aged 70 or older can avail benefits of the Ayushman Bharat scheme. Notably, there is no income limit for eligibility in this category.
Even if a senior citizen already has private health insurance or is covered under other government health schemes such as Central Government Health Scheme (CGHS) or Ex-Servicemen Contributory Health Scheme (ECHS), they can still apply for an Ayushman card and access benefits under PM-JAY.
This move is expected to widen healthcare access for elderly citizens who often face high medical expenses.
Additional ₹5 Lakh Cover for Elderly in Covered Families
The government has also introduced a special provision for senior members in families already enrolled under PM-JAY.
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If a household is already covered under the scheme,
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Members aged 70+ will receive a separate additional health cover of ₹5 lakh,
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This amount will not be shared with other family members.
Eligible seniors can obtain a dedicated Ayushman Vay Vandana Card to access this exclusive coverage.
Cashless Treatment Across India
One of the biggest advantages of PM-JAY is its nationwide network of empanelled hospitals. Beneficiaries can receive cashless treatment for a wide range of medical conditions.
Expenses Covered Under the Scheme
The ₹5 lakh annual cover typically includes:
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Hospitalization costs
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Pre- and post-hospitalization expenses
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Medicines and diagnostic tests
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ICU charges
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Surgical procedures
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Medical implants
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Food during hospital stay
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Follow-up care for up to 15 days
This comprehensive coverage significantly reduces the financial burden on families during medical emergencies.
How to Apply for an Ayushman Card
Eligible citizens can complete the application process online. Follow these steps:
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Download the Ayushman app or visit the official PM-JAY website.
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Complete Aadhaar-based e-KYC.
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Verify personal details.
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Download the digital Ayushman card.
The entire process is paperless and does not require an income certificate for citizens aged 70 and above.
Why This Scheme Matters
Healthcare costs in India have been rising steadily, and senior citizens are among the most vulnerable groups. By extending coverage regardless of income, the government aims to provide financial protection and improve access to quality healthcare.
For many elderly citizens, this scheme can mean the difference between delaying treatment and receiving timely medical care.
Final Word
If you or a family member is aged 70 or above, it is advisable to check eligibility and apply for the Ayushman card at the earliest. With up to ₹5 lakh in annual cashless treatment available, the scheme offers crucial financial security during medical emergencies.
Disclaimer: Scheme rules and eligibility conditions may change. Applicants should verify details on the official PM-JAY portal before applying.
