Ayushman Bharat’s Free ₹5 Lakh Health Insurance for Senior Citizens Over 70 | |
In a significant move to enhance healthcare accessibility for the elderly, the Indian government has expanded the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) to include all senior citizens aged 70 and above, irrespective of their income levels. This initiative provides free health insurance coverage of up to ₹5 lakh per family per year, aiming to benefit approximately 4.5 crore families, including 6 crore senior citizens. The National Health Authority (NHA) is the nodal agency which introduced the National Digital Health Mission (NDHM) also known as Ayushman Bharat Digital Mission in India. The Ayushman Bharat Digital Mission (ABDM) aims to establish a nationwide digital health ecosystem. It seeks to enhance the lives of its residents by connecting hospitals with digital health solutions throughout India and streamlining hospital operations. Additionally, it seeks to build a platform that would enable health data to be interchangeable across the health ecosystem, giving each citizen access to a continuous Electronic Health Record (EHR). The mission’s mandate is to establish a digital health infrastructure for the country that would encompass all citizens (130 crore). Every citizen will now receive a digital health ID as part of this scheme, and their medical records will be protected digitally. It aims to assign each person a unique health ID and build a single, interconnected digital health infrastructure. The Ayushman Bharat Digital Mission aims to maximize the use of digital connectivity and infrastructure for the effective delivery of healthcare services, with a primary focus on patients. Access to healthcare facilities is not only a public health concern but a fundamental right of the people residing in the country. Article 21 of the constitution provides a fundamental right to life and personal liberty. A life with dignity is inextricably linked to the right to health. However over 75% of the country’s healthcare infrastructure is in large cities, where only 27% of the population lives thus restricting the access to equitable healthcare infrastructure for many. Overworked public hospitals frequently fail to provide prompt care to chronic diseases like cancer, organ treatments etc. which drives patients to more expensive private hospitals. Indians has one of the world’s highest out-of-pocket medical bill payment rates—63%. | |
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