Ayushman Bharat Pradhan Mantri Jan Arogya Yojana is Rs.5 lakh senior citizen medical insurance scheme of central authorities. Allow us to see options and eligibility.

The Union Cupboard, led by Prime Minister Shri Narendra Modi, has granted approval for well being protection to all senior residents aged 70 and above, no matter their earnings, underneath the outstanding scheme Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY).

Options and Eligibility of Ayushman Bharat Pradhan Mantri Jan Arogya Yojana

Allow us to now look into the options and eligibility of Ayushman Bharat Pradhan Mantri Jan Arogya Yojana.

# All senior residents 70 years and above are eligible for this scheme.

# There isn’t any earnings restriction underneath this scheme. Therefore, regardless of your earnings in case you are a senior citizen, then you possibly can go for this.

# The eligible senior residents could be issued a brand new distinct card underneath AB PM-JAY

# The senior residents aged 70 years and above belonging to households already coated underneath the Ayushman Bharat Scheme (Pradhan Mantri Jan Aarogya Yojana (AB-PMJAY)) will get a further top-up cowl as much as Rs.5 lakh per 12 months for themselves (which they don’t have to share with the opposite family members who’re under the age of 70 years).

# All different senior residents of the age 70 years and above will get a canopy as much as Rs.5 lakh per 12 months on a household foundation.

# Senior residents of the age 70 years and above who’re already availing advantages of different public medical insurance schemes akin to Central Authorities Well being Scheme (CGHS), Ex-Servicemen Contributory Well being Scheme (ECHS), Ayushman Central Armed Police Pressure (CAPF)  could both select their current scheme or go for AB PMJAY. 

# Even the senior residents of 70 years and above who’re underneath personal medical insurance insurance policies or  Staff’ State Insurance coverage scheme will probably be eligible to avail advantages underneath AB PM-JAY.

Test it out my newest put up on apply for this scheme – Senior Residents Ayushman Bharat Well being Insurance coverage – Tips on how to apply?

Ayushman Bharat Pradhan Mantri Jan Arogya Yojana – Must you depend on this?

This initiative by the federal government is commendable and gives vital help to senior residents who face challenges in acquiring medical insurance from insurance coverage suppliers because of current well being points or who discover the excessive premiums unaffordable.

The restrict of Rs. 5 lakh per household for senior residents is, in essence, a minimal provision. No matter whether or not one resides in city, suburban, or rural areas, the bills related to hospitalization are substantial and are rising considerably every year. On this context, relying solely on this Rs. 5 lakh protection may result in dire penalties.

Subsequently, I extremely advocate that you simply contemplate enrolling within the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana. Nonetheless, it is vital to not rely solely on this scheme in your hospitalization wants. This warning arises from uncertainties relating to the claims course of, the listing of hospitals which are included, and whether or not the particular hospital you select for admission will honor the claims made underneath the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana.

On condition that this can be a authorities initiative, quite a few personal hospitals could also be reluctant to course of your payments via this scheme. The reimbursement course of from the federal government can typically be fairly complicated and time-consuming. Consequently, some hospitals may unofficially refuse to just accept this fee technique. What should you current this selection to hospitals and so they decline your admission because of issues relating to fee? Nonetheless, we are able to stay optimistic that the federal government will collaborate with all hospitals to make sure a clean billing course of.

Moreover, as beforehand said, it’s advisable to not solely depend upon this singular well being protection. It’s prudent to safe your individual medical insurance and set up a well being emergency fund. Within the occasion of an emergency the place you can’t entry this profit, having a contingency plan is important.

Nonetheless, it serves as a major benefit for people who’re unable to acquire medical insurance from suppliers because of current well being points, in addition to for individuals who discover the excessive premiums of medical insurance unaffordable.