The Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) is a flagship healthcare initiative by the Government of India aimed at providing free health insurance of up to ₹5 lakh annually to vulnerable families, including senior citizens.
This scheme covers over 10 crore families, ensuring access to quality healthcare services without financial burden. For senior citizens above 70 years, PM-JAY is a game changer, as it allows enrollment irrespective of income limits.
Here’s a detailed guide on how senior citizens can enroll for this life-saving health insurance.
Contents
Benefits Of PM-JAY for Senior Citizens
- Coverage Amount: Health insurance coverage of up to ₹5 lakh annually per family.
- Eligibility: No income cap for senior citizens aged 70+.
- Healthcare Services: Includes hospitalization, surgeries, medicines, and diagnostics.
- Cashless Treatment: Avail cashless treatment at empaneled hospitals across India.
- Comprehensive Care: Covers pre-existing conditions and provides coverage for critical illnesses.
Eligibility Criteria For PM-JAY
| Category | Eligibility |
|---|---|
| Age | Senior citizens aged 70+ |
| Income Limit | No income limit |
| Aadhaar Card | Mandatory |
| Residence | Must be a resident of India |
| Inclusion in SECC Database | Preferably listed in the Socio-Economic Caste Census (SECC) database |
Step-by-Step Enrollment Process For PM-JAY Insurance
Step 1: Download the Ayushman Bharat App
- Download the Ayushman Bharat app from the Google Play Store or visit the official website.
- Select your preferred language to proceed.
Step 2: Log in for Enrollment
- Click on the ‘Login as beneficiary’ option.
- Enter the captcha and mobile number for verification.
- Use the OTP sent to your mobile number to log in.
- Navigate to the senior citizens’ enrollment section.
Step 3: Aadhaar Validation
- Input the Aadhaar number of the senior citizen.
- Validate the Aadhaar using an OTP sent to the registered mobile number.
- Select the state of residence and enter the captcha to activate the search option.
- Check if the senior citizen is already registered. If not, proceed for fresh enrollment.
Step 4: Provide Personal Details
- Input the following information:
- Mobile Number: For OTP-based verification.
- Residential Details: City, state, address, ward, and pin code.
- Demographic Details: Age, gender, and family details.
Step 5: Submit Application
- Review the entered details thoroughly.
- Submit the application for approval.
- Once approved, the Ayushman Card will be issued.
How To Check PM-JAY Enrollment Status?
- Visit the official Ayushman Bharat PM-JAY website.
- Log in using your registered mobile number.
- Navigate to the beneficiary section and input the Ayushman card number or Aadhaar number.
- The enrollment status and card issuance status will be displayed.
Documents Required For Enrollment
- Aadhaar Card (Mandatory for identity validation)
- Address Proof (Voter ID, utility bill, or ration card)
- Age Proof (Birth certificate or Aadhaar)
- Mobile Number (For OTP and communication)
- Family Details (If applicable)
Key Features Of The PM-JAY Scheme
- Empaneled Hospitals: Over 25,000 hospitals, both public and private, are empaneled under PM-JAY.
- Portability: Beneficiaries can avail of services across India, irrespective of their state of residence.
- Paperless Process: The scheme follows a digital application and approval system.
- Hospitalization Coverage: Includes pre and post-hospitalization expenses for specified illnesses.
Common Challenges During Enrollment And Solutions
- Aadhaar Issues: Ensure Aadhaar details are up-to-date and linked to a valid mobile number.
- Mobile Number Mismatch: Use the mobile number linked to Aadhaar for seamless OTP verification.
- Missing SECC Data: Contact local authorities to verify inclusion in the SECC database.
- Approval Delays: Regularly check application status online for updates.
PM-JAY offers a crucial safety net for senior citizens, ensuring access to quality healthcare without the stress of financial constraints. With a straightforward enrollment process, individuals above 70 years can secure their health needs effectively.
Download the Ayushman Bharat app today, follow the outlined steps, and get started on the path to better healthcare for you or your loved ones.
Can senior citizens enroll without Aadhaar?
No, Aadhaar is mandatory for identity validation during enrollment.
Are pre-existing diseases covered under PM-JAY?
Yes, all pre-existing conditions are covered under the scheme.
How long does it take to get the Ayushman card?
After successful application submission, the card is typically issued within a few days.
