Ayushman Bharat PM-JAY Vay Vandana – Health Cover for Senior Citizens 70+

Objective: Provide free health coverage of up to Rs 5 lakh per year to ALL senior citizens aged 70 years and above, irrespective of income, under Ayushman Bharat PM-JAY. Beneficiaries: Approximately 4.5 crore families with 6 crore senior citizens. As of Dec 31, 2025, over 96.7 lakh Ayushman Vay Vandana cards have been issued. Key Features: - Seniors in existing PM-JAY families get additional top-up of Rs 5 lakh (not shared with under-70 members) - Other seniors 70+ get Rs 5 lakh cover on a family basis - Cashless treatment at 29,870+ empanelled hospitals (including 13,173 private) - Covers approx 2,000 medical procedures; no waiting period for pre-existing conditions - Apply via Ayushman App, PM-JAY portal, or Common Service Centres Eligibility: Age 70+, verified by Aadhaar. No income barrier. Ministry: Ministry of Health and Family Welfare Implementing Agency: National Health Authority (NHA)

उद्देश्य: आयुष्मान भारत पीएम-जय के तहत 70 वर्ष और उससे अधिक आयु के सभी वरिष्ठ नागरिकों को आय की परवाह किए बिना Rs 5 लाख तक का मुफ्त स्वास्थ्य कवर प्रदान करना। लाभार्थी: लगभग 4.5 करोड़ परिवार जिनमें 6 करोड़ वरिष्ठ नागरिक। 31 दिसंबर 2025 तक 96.7 लाख से अधिक वय वंदना कार्ड जारी। मुख्य विशेषताएँ: - मौजूदा PM-JAY परिवारों के वरिष्ठ नागरिकों को Rs 5 लाख का अतिरिक्त टॉप-अप - अन्य 70+ वरिष्ठ नागरिकों को परिवार आधार पर Rs 5 लाख कवर - 29,870+ सूचीबद्ध अस्पतालों में कैशलेस उपचार - लगभग 2,000 चिकित्सा प्रक्रियाएँ; पूर्व-मौजूदा बीमारियों के लिए कोई प्रतीक्षा अवधि नहीं पात्रता: 70+ आयु, आधार से सत्यापित। कोई आय बाधा नहीं। मंत्रालय: स्वास्थ्य और परिवार कल्याण मंत्रालय कार्यान्वयन एजेंसी: राष्ट्रीय स्वास्थ्य प्राधिकरण (NHA)

• Ayushman Bharat PM-JAY Vay Vandana provides free health coverage of Rs 5 lakh per year to ALL senior citizens aged 70+, irrespective of income
• Beneficiaries: approximately 4.5 crore families with 6 crore senior citizens; over 96.7 lakh Ayushman Vay Vandana cards issued by Dec 31, 2025
• Seniors in existing PM-JAY families get additional top-up of Rs 5 lakh not shared with under-70 members
• Cashless treatment at 29,870+ empanelled hospitals (including 13,173 private); covers approx 2,000 medical procedures with no waiting period for pre-existing conditions
• Apply via Ayushman App, PM-JAY portal, or Common Service Centres; age verified by Aadhaar
• Implemented by National Health Authority (NHA) under Ministry of Health and Family Welfare