{"id":712,"date":"2024-09-14T15:45:45","date_gmt":"2024-09-14T10:15:45","guid":{"rendered":"https:\/\/www.caclubindia.com\/guide\/?p=712"},"modified":"2025-06-26T15:56:47","modified_gmt":"2025-06-26T10:26:47","slug":"health-insurance-for-senior-citizens","status":"publish","type":"post","link":"https:\/\/www.caclubindia.com\/guide\/health-insurance-for-senior-citizens\/","title":{"rendered":"Health Insurance For Senior Citizens: Coverage for Age above 70"},"content":{"rendered":"\n<p>Health insurance for senior citizens provides medical coverage to individuals which covers pre- and post-hospitalization expenses, daycare procedures, and sometimes critical illness.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"538\" src=\"https:\/\/www.caclubindia.com\/guide\/wp-content\/uploads\/2024\/09\/Health-Insurance-For-Senior-Citizens-1024x538.jpg\" alt=\"\" class=\"wp-image-713\" srcset=\"https:\/\/www.caclubindia.com\/guide\/wp-content\/uploads\/2024\/09\/Health-Insurance-For-Senior-Citizens-1024x538.jpg 1024w, https:\/\/www.caclubindia.com\/guide\/wp-content\/uploads\/2024\/09\/Health-Insurance-For-Senior-Citizens-300x158.jpg 300w, https:\/\/www.caclubindia.com\/guide\/wp-content\/uploads\/2024\/09\/Health-Insurance-For-Senior-Citizens-768x403.jpg 768w, https:\/\/www.caclubindia.com\/guide\/wp-content\/uploads\/2024\/09\/Health-Insurance-For-Senior-Citizens.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><strong>Is it possible to provide free health service to the most populated country?<\/strong><\/p>\n\n\n\n<p>Yes, the Goverment made an announcement to offer free health insurance coverage in India who are above the age of 70.<\/p>\n\n\n\n<p>The government is basically expanding the scheme of existing one i.e., Ayushman Bharat Pradhan Mantri Jan Arogya Yojana.<\/p>\n\n\n\n<p>Under Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY), the government provides free medical treatment to Ayushman card holder of Rs. 5 lakhs.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\r\n<div class=\"ez-toc-title-container\">\r\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\r\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\r\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.caclubindia.com\/guide\/health-insurance-for-senior-citizens\/#Purpose_of_Ayushman_Card\" >Purpose of Ayushman Card<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.caclubindia.com\/guide\/health-insurance-for-senior-citizens\/#What_is_Ayushman_Card\" >What is Ayushman Card?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.caclubindia.com\/guide\/health-insurance-for-senior-citizens\/#Effective_Date\" >Effective Date<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.caclubindia.com\/guide\/health-insurance-for-senior-citizens\/#Who_bears_the_cost_AB_PM-JAY\" >Who bears the cost AB PM-JAY?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.caclubindia.com\/guide\/health-insurance-for-senior-citizens\/#Expenses_Covered_under_this_Health_Insurance_for_Senior_Citizens\" >Expenses Covered under this Health Insurance for Senior Citizens<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.caclubindia.com\/guide\/health-insurance-for-senior-citizens\/#Benefit_from_the_Expansion_of_the_AB_PM-JAY_Scheme_for_Senior_Citizens\" >Benefit from the Expansion of the AB PM-JAY Scheme for Senior Citizens<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.caclubindia.com\/guide\/health-insurance-for-senior-citizens\/#Free_Health_Coverage_for_Senior_Citizens_70\" >Free Health Coverage for Senior Citizens 70+<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.caclubindia.com\/guide\/health-insurance-for-senior-citizens\/#Coverage\" >Coverage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.caclubindia.com\/guide\/health-insurance-for-senior-citizens\/#New_Health_Cards\" >New Health Cards<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.caclubindia.com\/guide\/health-insurance-for-senior-citizens\/#Top-up_for_Existing_Beneficiaries\" >Top-up for Existing Beneficiaries<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.caclubindia.com\/guide\/health-insurance-for-senior-citizens\/#Choice_for_Existing_Scheme_Users\" >Choice for Existing Scheme Users<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.caclubindia.com\/guide\/health-insurance-for-senior-citizens\/#FAQs\" >FAQs<\/a><\/li><\/ul><\/nav><\/div>\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Purpose_of_Ayushman_Card\"><\/span>Purpose of Ayushman Card<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>To reduce medical expenses.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_Ayushman_Card\"><\/span>What is Ayushman Card?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ayushman Card is a digital card with which beneficiaries can benefit this scheme.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Effective_Date\"><\/span>Effective Date<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ayushman Bharat Pradhan Mantri Jan Arogya Yojana was started on 23rd September 2018.<\/p>\n\n\n\n<p>In this scheme, every family gets 5 lakh per annum as a annual insurance cover in which secondary and tertiary care hospitalization coverage is given.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Who_bears_the_cost_AB_PM-JAY\"><\/span>Who bears the cost AB PM-JAY?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The entire cost borne by Central and state Government.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Expenses_Covered_under_this_Health_Insurance_for_Senior_Citizens\"><\/span>Expenses Covered under this Health Insurance for Senior Citizens<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Medical examination<\/li>\n\n\n\n<li>Treatment<\/li>\n\n\n\n<li>Consultation,<\/li>\n\n\n\n<li>Surgeon charges<\/li>\n\n\n\n<li>Medicines, Non-intensive and intensive care units.<\/li>\n\n\n\n<li>Diagnostic and laboratory investigations<\/li>\n\n\n\n<li>Accommodation benefits (including OT and ICU charges)<\/li>\n\n\n\n<li>Food services<\/li>\n\n\n\n<li>Expenses related to complications during treatment are covered.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Benefit_from_the_Expansion_of_the_AB_PM-JAY_Scheme_for_Senior_Citizens\"><\/span>Benefit from the Expansion of the AB PM-JAY Scheme for Senior Citizens<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Free_Health_Coverage_for_Senior_Citizens_70\"><\/span>Free Health Coverage for Senior Citizens 70+<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>All senior citizens whose age is 70 years and above, regardless of income, are eligible for health coverage under AB PM-JAY.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Coverage\"><\/span>Coverage<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Rs. 5 lakh per family per year for health insurance, benefiting 6 crore senior citizens.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"New_Health_Cards\"><\/span>New Health Cards<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Distinct cards will be issued for eligible seniors.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Top-up_for_Existing_Beneficiaries\"><\/span>Top-up for Existing Beneficiaries<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Seniors in families already covered under AB PM-JAY will receive an additional top-up cover of Rs. 5 lakh for themselves.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Choice_for_Existing_Scheme_Users\"><\/span>Choice for Existing Scheme Users<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Seniors under CGHS, ECHS, CAPF, private insurance, or ESIC can opt for AB PM-JAY.<\/p>\n\n\n\n<p><strong>Income Tax For Senior Citizens <a href=\"https:\/\/www.caclubindia.com\/guide\/income-tax-for-senior-citizens\/\">Click Here<\/a><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1726306017755\"><strong class=\"schema-faq-question\">How does PM-JAY help beneficiaries at the point of service?<\/strong> <p class=\"schema-faq-answer\">PM-JAY provides cashless access to healthcare services at empanelled public and private hospitals across India.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1726306031995\"><strong class=\"schema-faq-question\">Are there any restrictions on family size, age, or gender under PM-JAY?<\/strong> <p class=\"schema-faq-answer\">No, PM-JAY has no restrictions on family size, age, or gender.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1726306044483\"><strong class=\"schema-faq-question\">Can beneficiaries access PM-JAY services anywhere in India?<\/strong> <p class=\"schema-faq-answer\">Yes, PM-JAY benefits are portable and can be accessed at any empanelled hospital across the country.<\/p> <\/div> <\/div>\n","protected":false},"excerpt":{"rendered":"<p>Health insurance for senior citizens provides medical coverage to individuals which covers pre- and post-hospitalization expenses, daycare procedures, and sometimes [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":713,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[12],"tags":[],"class_list":["post-712","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-government-schemes"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>Health Insurance For Senior Citizens: Coverage for Age above 70 - Tax Guide<\/title>\r\n<meta name=\"description\" content=\"Health insurance for senior citizens provides coverage for medical expenses. 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