Ayushman Bharat Yojana For Senior Citizens: Which Diseases Are Covered For Free Treatment Under AB PM-JAY | Personal Finance News

With this approval, all senior citizens of the age 70 years and above irrespective of their socio- economic status would be eligible to avail the benefits of AB PM-JAY. The eligible senior citizens would be issued a new distinct card under AB PM-JAY. 

The senior citizens of the age 70 years and above belonging to families already covered under AB PM-JAY will get an additional top-up cover upto Rs 5 lakh per year for themselves (which they do not have to share with the other members of the family who are below the age of 70 years). All other senior citizens of the age 70 years and above will get a cover upto Rs 5 lakh per year on a family basis. 

Ayushman Bharat Yojana Which Diseases Are Covered For Free Treatment Under AB PM-JAY?

Ayushman Bharat Yojana Services include approximately 1,929 procedures covering all the costs related to treatment, including but not limited to drugs, supplies, diagnostic services, physician’s fees, room charges, surgeon charges, OT and ICU charges etc.

PM-JAY provides cashless cover of up to Rs 5,00,000 to each eligible family per annum for listed secondary and tertiary care conditions. The cover under the scheme includes all expenses incurred on the following components of the treatment.

Medical examination, treatment and consultation

Pre-hospitalization

Medicine and medical consumables

Non-intensive and intensive care services

Diagnostic and laboratory investigations

Medical implantation services (where necessary)

Accommodation benefits

Food services

Complications arising during treatment

Post-hospitalization follow-up care up to 15 days

PM-JAY provides cashless access to health care services for the beneficiary at the point of service, that is, the hospital. All pre–existing conditions are covered from day one. Benefits of the scheme are portable across the country i.e. a beneficiary can visit any empanelled public or private hospital in India to avail cashless treatment. Public hospitals are reimbursed for the healthcare services at par with the private hospitals.