Introduction to the Expanded Ayushman Bharat Scheme
In a landmark decision, the Union Cabinet expanded the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) in September 2024 to include all Indian citizens aged 70 years and above. This expansion removes previous income and socio-economic criteria for this age group, making the process of how to apply for senior Ayushman card significantly simpler. This initiative guarantees free health insurance coverage of up to ₹5 lakh per year, on a family basis, for eligible seniors.
Eligibility Criteria for Senior Citizens
For individuals aged 70 and above, the eligibility for the Ayushman Bharat scheme is straightforward. Unlike previous criteria based on the Socio-Economic Caste Census (SECC), the primary requirement is age and a valid Aadhaar card for identity verification.
Key Eligibility Requirements:
- Age: The applicant must be an Indian citizen aged 70 years or older. This is determined by the age recorded in your Aadhaar card.
- Citizenship: The scheme is open to all Indian citizens meeting the age requirement.
- Income Status: Importantly, there is no income limit for this category. The scheme covers individuals from all socio-economic backgrounds aged 70 or more.
Documents Required for Senior Ayushman Card Application
One of the most streamlined aspects of the new policy for seniors is the minimal documentation required, simplifying how to apply for a senior Ayushman card.
Required Documents:
- Aadhaar Card: Serves as proof of age and identity, and is mandatory for the Aadhaar-based e-KYC process.
- Aadhaar-Linked Mobile Number: Essential for receiving the One-Time Password (OTP) required for verification during the e-KYC.
- Live Photograph: The application process requires capturing a live photo of the beneficiary, either through the app or a webcam.
No income certificate or other extensive documentation is needed for the 70+ age bracket.
How to Apply Online for Senior Ayushman Card
Applying online is the most convenient method for most seniors and their families. The process can be completed via the official Ayushman Beneficiary Portal or the mobile app.
Application Steps via Ayushman Beneficiary Portal:
- Visit the official Beneficiary NHA portal at https://beneficiary.nha.gov.in/.
- Log in as a 'Beneficiary' by entering your mobile number, solving the captcha, and authenticating with the OTP sent to your phone.
- On the dashboard, click the designated banner or link for 'Enrollment for 70+'.
- Enter your Aadhaar number and perform the e-KYC verification using the OTP sent to your Aadhaar-linked mobile number.
- Complete the declaration, enter personal details, capture a live photo, and submit the form.
- After a short approval period (around 15-20 minutes), you can download your Ayushman Vay Vandana Card from the portal.
Application Steps via Ayushman App:
- Download the 'Ayushman App' from the Google Play Store.
- Log in as a 'Beneficiary' using your mobile number and OTP.
- Select the option for enrolling senior citizens aged 70+.
- Enter the beneficiary's Aadhaar details and complete the Aadhaar-based e-KYC.
- Follow the prompts to capture and upload a photo, fill in additional details, and add any other eligible family members.
- Submit the application. You will be able to download the card after approval.
How to Apply Offline for Senior Ayushman Card
For those who prefer not to use the online method or need assistance, the offline application process is a reliable alternative.
Application Steps via CSC or Empaneled Hospital:
- Locate a center: Find your nearest Common Service Center (CSC) or an Ayushman Mitra at an empanelled hospital.
- Visit with documents: Carry your Aadhaar card and Aadhaar-linked mobile number.
- Complete the process: The operator will assist you with the registration, including searching for your name in the database, verifying your identity with Aadhaar e-KYC, and uploading necessary information.
- Receive your card: After successful verification and approval, your Ayushman card will be printed or downloaded for you.
Comparing Application Methods: Online vs. Offline
| Feature | Online Application | Offline Application |
|---|---|---|
| Convenience | Highly convenient, can be done from home at any time. | Requires a physical visit to a CSC or hospital. |
| Time | Can be completed quickly, with the card downloadable in minutes after approval. | May involve waiting time at the center and depends on operator availability. |
| Assistance | Self-service, though help videos and guidelines are available. | Direct, guided assistance from an operator (Arogya Mitra). |
| Accessibility | Requires internet access and a mobile device with an Aadhaar-linked number. | Accessible to those without internet or smartphones. |
| Required Items | Aadhaar card, Aadhaar-linked mobile number, internet connection. | Aadhaar card, Aadhaar-linked mobile number, physical presence. |
Benefits of the Senior Ayushman Card
Securing the Ayushman card for seniors opens up a host of benefits, ensuring comprehensive healthcare access without financial strain.
Key Benefits Include:
- Financial Protection: ₹5 lakh free annual health cover per family.
- Cashless Treatment: Eligible beneficiaries can receive cashless treatment at any empanelled public or private hospital across India.
- Comprehensive Coverage: Covers a wide range of medical procedures, including diagnostic tests, surgery, medication, and post-hospitalisation follow-up care for up to 15 days.
- No Waiting Period for Pre-existing Diseases: Pre-existing conditions are covered from day one of enrolment.
- Top-Up Option: For seniors already covered under an existing PM-JAY family plan, the new senior-specific cover acts as an additional top-up, effectively doubling their coverage.
Conclusion: Simplified Healthcare for Seniors
With the recent expansion of the Ayushman Bharat scheme, the process of how to apply for senior Ayushman card has become more inclusive and accessible. By leveraging a simple, Aadhaar-based application through either the online portal, the mobile app, or an offline center, all Indian citizens aged 70 and above can now avail themselves of free, high-quality medical coverage. This ensures peace of mind and financial security during their senior years, reinforcing the government's commitment to prioritizing elderly healthcare.
For official information and direct access to the beneficiary portal, visit the National Health Authority website.
