A Guide to Pradhan Mantri Health Insurance for Senior Citizens

Precaution is better than cure, and Pradhan Mantri Health Insurance For Senior Citizens not only takes care of the precautions but also the cure. Having a healthcare policy is a necessity. It safeguards your future by ensuring coverage of your medical needs. Keeping yourself and your dear ones insured relieves a big tension from your head.

It often happens that not everyone is able to avail of a valuable service like health insurance. In a country like India, where a big part of the population is deprived of basic survival necessities, something like health insurance and also having the best insurance for senior citizens seems like a luxury beyond reach.

However, the government of India has always thrived to launch schemes to make things easier for the citizens. This blog will discuss one such scheme, Pradhan Mantri Health Insurance for Senior Citizens.

Ayushman Bharat

In lieu of the vision of Universal Health Coverage(UHC), the Government of India launched a flagship campaign called the Ayushman Bharat. With the aim of “leaving no one behind,” it is curated in a way to meet the Sustainable Development Goals (SDGs). 

Rather than having a segmented approach to providing healthcare, Ayushman Bharat aims at curating more inclusive services. It aims at enhancing the healthcare system at all three levels, i.e., primary, secondary and tertiary.

It has two major components:

• Health and Wellness Centers
• Pradhan Mantri Jan Arogya Yojana (PM-JAY)

Pradhan Mantri Jan Arogya Yojana (PM-JAY)

This blog will discuss the Pradhan Mantri Health Insurance for senior citizens under the PM-JAY. It will give you a brief as to why the pm health insurance plans for senior citizens has proven to be extremely helpful in many ways.

There are many barriers that lie in the way of the provision of good health services to senior citizens. Some of them are the medical authorities' lack of responsiveness, transportation, street safety, and many more. However, one of the major hurdles seems to be the huge medical bills and expenses. Having good govt health insurance for the senior citizens becomes unavoidable.

Getting a mediclaim policy for all the members of the family is essential. However, it comes as no surprise that senior citizens in a family are more likely to fall ill and are prone to medical emergencies. Here are a few more reasons why there is a need to have the best health insurance for senior citizens:

• They are likely to have more pre-existing diseases
• Weak immune systems hence more medical emergencies
• Likely to have more critical illnesses
• As their cognitive abilities become weaker, accidents are more likely to occur

Having health insurance for them which ensures the fulfilment of all their medical needs in the near future, is vital. PM-JAY is the most comprehensive government-funded health insurance scheme for senior citizens as well as women and children. As a component of the Ayushman Bharat campaign, it aims at providing insurance and securing health care for all the members of the family. What makes it such an important scheme is the fact that it provides insurance to senior citizens, for whom the schemes are very few in number.

Here are some characteristic features of the PM-JAY:

• For families who are below the poverty line, there is healthcare coverage of about 5 lakhs annually.
• It takes into consideration all the families in the Socio-Economic caste census (SECC).
• It even includes care at the secondary and tertiary levels.
• It provides coverage for all pre-existing diseases, which is crucial for senior citizens.
• It ensures a seamless and cashless procedure that is senior-citizen friendly.
• The benefits can be availed pan India.
• Childcare/Daycare expenses are also covered by the insurance.
• Post-treatment and Post hospitalisation expenses are also covered, assuring a full recovery.

The sunset years of any individual’s life deserve to be lived peacefully. Having health insurance assures a tension-free life and secures the future of the family and the senior citizens as well. It’s better late than never to get the best health insurance for senior citizens. The Pradhan Mantri Health Insurance proves to be the best health insurance for senior citizens out there.