Explained: What's The Health Insurance Scheme For Everyone Over 70

1. All senior citizens who are 70 years old and above, irrespective of their socio- economic status, would be eligible to avail the benefits of AB PM-JAY.
2. Senior citizens (70-plus) belonging to families already covered under AB PM-JAY will get an additional top-up cover up to Rs 5 lakh per year for themselves. They do not have to share the cover with other members of the family who are below 70 years.
3. Senior citizens (70-plus) who are already getting benefits of other public health insurance schemes such as Central Government Health Scheme (CGHS), Ex-Servicemen Contributory Health Scheme (ECHS), and Ayushman Central Armed Police Force (CAPF) can keep their existing scheme, or opt for AB PMJAY.
4. Senior citizens (70-plus) covered by private policies or Employees’ State Insurance Scheme are eligible for AB PM-JAY.
5. The AB PM-JAY is the world’s largest publicly funded health assurance scheme which provides cover of Rs 5 lakh per family per year for secondary and tertiary care hospitalisation to 55 crore people, corresponding to 12.34 crore families.

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