One significant government-sponsored health insurance program in India that offers coverage exclusively for senior persons 60 years of age and older is the Pradhan Mantri Health Insurance for Senior Citizens, or PMVVY plan. This program, which is run by the National Health Authority, attempts to give low-income and vulnerable seniors health insurance coverage so they may afford high-quality medical care. This post will offer a thorough overview of Pradhan Mantri Health Insurance for Senior Citizens, covering its features, requirements for eligibility, benefits, coverage amount, and more.
Premiums and Policy Term | Pradhan Mantri Health Insurance for Senior Citizens
- For age 60 years: Premium of Rs.21,250
- For age 61-65 years: Premium of Rs.34,000
- For age 66-70 years: Premium of Rs. 51,000
- For age 71-75 years: Premium of Rs. 68,000
- For age 76-80 years: Premium of Rs. 1,00,000
Benefits and Coverage
- Cashless hospitalization: At accredited hospitals, all treatments are rendered cashless up to the coverage amount. Payments in advance are not required.
- Coverage before and after hospitalization: Up to 30 days and 60 days, respectively, are covered for pertinent medical costs spent before and following hospitalization.
- Daycare procedures: The expenses of authorized daycare operations, such as radiation, chemotherapy, and dialysis, are covered.
- Ambulance fees: Up to Rs. 2,000 is reimbursed for ambulance transportation costs to and from the hospital.
Who all are eligible?
It will not be possible for eligible retired government employees over 70 who choose to sign up for the AB PM-JAY program and give up their present CGHS card or government health insurance to return to their prior coverage.Â
Aadhaar-based e-KYC is required to enroll and issue Ayushman cards to eligible senior citizens. Access to the plan is streamlined because Aadhaar is the only document required for this procedure. If the Aadhaar just includes the birth year, January 1st of the subsequent year will be used as the individual’s date of birth for eligibility purposes.
What is the insurance benefit of Ayushman Bharat?
The coverage of Rs 5 lakh is offered on a family basis. Keep in mind that they are all members of the same family and share the Rs 5 lakh annual limit. Only family members 70 years of age or older are eligible for the extra Rs 5 lakh coverage. The remaining family members would continue to be covered at the present Rs 5 lakh level.
Every elderly person over 70 will now receive free hospital treatment, according to a social media post from the Press Information Bureau (PIB). These senior citizens will receive the Ayushman Vaya Vandana Card. It is expected that this proposal will represent a major turning point. When an aged member of the family has an Ayushman Vaya Vandana Card, family expenses and concerns will decrease.
Network Hospitals
Through its vast network, the Pradhan Mantri Health Insurance scheme allows members to receive cashless treatments at thousands of public and private facilities throughout India. Depending on their location and convenience, seniors can readily use the network hospitals.
The list of network providers is updated frequently and is available on the official National Health Authority portal. Top hospital chains with locations in Tier 2 and Tier 3 cities as well as metro areas, such as Apollo, Fortis, Manipal, and Medanta, are covered by the network.
How to apply for an Ayushman Vaya Vandana card?
- Get the Ayushman app.
- Select “Login as Beneficiary.”
- Enter your mobile number, choose your login method, and then enter the captcha once again before clicking “Login.”
- Enter the Aadhaar and beneficiary details.
- If a beneficiary cannot be located, proceed with the eKYC procedure. Give your permission for OTP.
- Provide a declaration if necessary, take a picture, and complete all the extra forms.
- Enter the OTP and the beneficiary’s mobile number.
- Enter the beneficiary’s information, including their category and PIN code.
- Once E-KYC has been completed and family members’ information has been added, you can install the Ayushman Vaya Vandana Card.
Conclusion
An important program designed to give senior adults in India access to reasonably priced healthcare is the Pradhan Mantri Health Insurance for Senior Citizens Adults (PMVVY). This program guarantees disadvantaged elders receive high-quality medical care with comprehensive coverage that includes cashless hospitalization, childcare treatments, and ambulance fees.