<p>The Cabinet, on Wednesday, approved <a href="https://www.deccanherald.com/india/modi-govt-approves-ayushman-coverage-for-six-crore-senior-citizens-3186612">health coverage of Rs 5 lakh to all senior citizens aged 70 years and above</a> irrespective of their income under the flagship scheme Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY), in a meeting chaired by PM Modi.</p>.<p>According to a press release, the scheme aims to benefit approximately four and a half crore families, with six crore senior citizens getting Rs 5 lakh free health insurance cover on a family basis.</p>.<p>Here's everything you need to know about it: </p>.<h2>Who is eligible?</h2>.<p>All senior citizens aged 70 years and above irrespective of their socio- economic status are eligible to avail the benefits of AB PM-JAY. Eligible senior citizens will be issued a new distinct card under AB PM-JAY.</p>.<h2>What if they already have insurance coverage?</h2>.<p><strong>Already covered under PM-JAY:</strong></p><p>Senior citizens whose families are covered under the scheme already will get an additional top-up cover upto Rs 5 lakh per year for themselves, which they need not share with other family members below the age of 70 years.</p><p><strong>Covered under another government scheme:</strong></p><p>If they are covered under any other government scheme, such as the Central Government Health Scheme (CGHS), the Ex-Servicemen Contributory Health Scheme (ECHS), and the Ayushman Central Armed Police Force (CAPF), they may choose to continue with the same, or switch to AB PM-JAY.</p><p><strong>Covered under private health insurance:</strong></p><p>Furthermore, those under private health insurance policies or Employees’ State Insurance scheme will still be eligible to avail benefits under AB PM-JAY.</p>.<h2>What is covered under AB-PMJAY?</h2>.<p>The cover under the scheme includes all expenses incurred on the following components of the treatment:</p><ul><li><p>Medical examination, treatment and consultation</p></li><li><p>Pre-hospitalization</p></li><li><p>Medicine and medical consumables</p></li><li><p>Non-intensive and intensive care services</p></li><li><p>Diagnostic and laboratory investigations</p></li><li><p>Medical implantation services (where necessary)</p></li><li><p>Accommodation benefits</p></li><li><p>Food services</p></li><li><p>Complications arising during treatment</p></li><li><p>Post-hospitalization follow-up care up to 15 days</p></li></ul>.<h2>How to apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana</h2>.<p>Step 1: Visit the official website of <a href="https://pmjay.gov.in/" rel="nofollow">AB-PMJAY</a> </p><p>Step 2: Click on the ‘Am I Eligible’ tab on the right-hand side of the page.</p><p>Step 3: Submit your mobile number, CAPTCHA code, and the OTP</p><p>Step 4: Enter your state and your name, ration card number, household number, or mobile number</p><p>If your family is covered under Ayushman Bharat Yojana, then your name will be displayed in the results</p>
<p>The Cabinet, on Wednesday, approved <a href="https://www.deccanherald.com/india/modi-govt-approves-ayushman-coverage-for-six-crore-senior-citizens-3186612">health coverage of Rs 5 lakh to all senior citizens aged 70 years and above</a> irrespective of their income under the flagship scheme Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY), in a meeting chaired by PM Modi.</p>.<p>According to a press release, the scheme aims to benefit approximately four and a half crore families, with six crore senior citizens getting Rs 5 lakh free health insurance cover on a family basis.</p>.<p>Here's everything you need to know about it: </p>.<h2>Who is eligible?</h2>.<p>All senior citizens aged 70 years and above irrespective of their socio- economic status are eligible to avail the benefits of AB PM-JAY. Eligible senior citizens will be issued a new distinct card under AB PM-JAY.</p>.<h2>What if they already have insurance coverage?</h2>.<p><strong>Already covered under PM-JAY:</strong></p><p>Senior citizens whose families are covered under the scheme already will get an additional top-up cover upto Rs 5 lakh per year for themselves, which they need not share with other family members below the age of 70 years.</p><p><strong>Covered under another government scheme:</strong></p><p>If they are covered under any other government scheme, such as the Central Government Health Scheme (CGHS), the Ex-Servicemen Contributory Health Scheme (ECHS), and the Ayushman Central Armed Police Force (CAPF), they may choose to continue with the same, or switch to AB PM-JAY.</p><p><strong>Covered under private health insurance:</strong></p><p>Furthermore, those under private health insurance policies or Employees’ State Insurance scheme will still be eligible to avail benefits under AB PM-JAY.</p>.<h2>What is covered under AB-PMJAY?</h2>.<p>The cover under the scheme includes all expenses incurred on the following components of the treatment:</p><ul><li><p>Medical examination, treatment and consultation</p></li><li><p>Pre-hospitalization</p></li><li><p>Medicine and medical consumables</p></li><li><p>Non-intensive and intensive care services</p></li><li><p>Diagnostic and laboratory investigations</p></li><li><p>Medical implantation services (where necessary)</p></li><li><p>Accommodation benefits</p></li><li><p>Food services</p></li><li><p>Complications arising during treatment</p></li><li><p>Post-hospitalization follow-up care up to 15 days</p></li></ul>.<h2>How to apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana</h2>.<p>Step 1: Visit the official website of <a href="https://pmjay.gov.in/" rel="nofollow">AB-PMJAY</a> </p><p>Step 2: Click on the ‘Am I Eligible’ tab on the right-hand side of the page.</p><p>Step 3: Submit your mobile number, CAPTCHA code, and the OTP</p><p>Step 4: Enter your state and your name, ration card number, household number, or mobile number</p><p>If your family is covered under Ayushman Bharat Yojana, then your name will be displayed in the results</p>