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Free Treatment for All Indian Citizens Above 70 years with Ayushman Bharat Health Insurance Scheme

The Ayushman Bharat Scheme, officially known as the Pradhan Mantri Jan Arogya Yojana (PM-JAY), was initially launched in 2018 to provide health insurance to economically vulnerable families.

Free Treatment for All Indian Citizens Above 70 years with Ayushman Bharat Health Insurance Scheme
First Published Jul 1, 2024, 3:52 PM IST

In a landmark announcement, President Droupadi Murmu declared the expansion of the Ayushman Bharat Health Insurance Scheme, extending free medical treatment to all citizens above 70 years of age. The Indian President also addressed the rapid establishment of 25,000 Jan Aushadhi Kendras across the country. This significant update aligns with the government's ongoing efforts to enhance healthcare accessibility for India's aging population.

Expansion of Ayushman Bharat: A Step Towards Universal Healthcare

The Ayushman Bharat Scheme, officially known as the Pradhan Mantri Jan Arogya Yojana (PM-JAY), was initially launched in 2018 to provide health insurance to economically vulnerable families. Covering over 80 crore people across India, the scheme offers an insurance cover of up to Rs. 5 lakh per family per year for secondary and tertiary care hospitalisation.

Under the new provision, senior citizens aged 70 and above will now be eligible for free treatment, regardless of their economic status. This move is set to benefit millions of elderly individuals, ensuring they receive the necessary healthcare without financial strain. President Murmu's announcement reflects a commitment to inclusivity and healthcare for all, particularly the most vulnerable segments of the population. 

Comprehensive Coverage for the Elderly

The inclusion of citizens over 70 years in the Ayushman Bharat scheme (PMJAY) means they can access a wide range of medical services free of charge. This includes hospitalization costs, pre- and post-hospitalisation expenses, and coverage for medical procedures such as major surgeries, medications, and follow-up treatments.

This expansion is particularly significant given the higher medical needs and expenses associated with aging. The government’s decision ensures that the elderly, who often face high insurance premiums and limited coverage options, can now avail themselves of comprehensive healthcare services without any cost barriers. 

The expansion of the Ayushman Bharat scheme to cover those over 70 is a proactive step towards addressing these needs and improving the quality of life for the elderly. This initiative not only reduces the financial burden on senior citizens but also promotes their health and well-being. It is expected to have a positive impact on millions of families, providing peace of mind and security regarding medical expenses for their elderly members.

Significance of Health Insurance in Enhancing Healthcare Access

Health insurance plays a pivotal role in safeguarding individuals against high medical costs and ensuring access to quality healthcare. The Ayushman Bharat scheme is a prime example of how government-led health insurance can transform the healthcare landscape, especially for the economically disadvantaged and vulnerable populations.

By extending coverage to senior citizens above 70 years, the scheme underscores the importance of inclusive health policies. It ensures that aging does not equate to financial instability due to medical expenses. Moreover, it highlights the government's commitment to providing equitable healthcare access, reflecting the broader goals of universal health coverage.

Health insurance, like Ayushman Bharat, provides a safety net that is crucial for managing the risks associated with healthcare costs. It fosters a more resilient healthcare system and contributes to the overall socio-economic development by reducing out-of-pocket expenditures and promoting better health outcomes​.


The extension of the Ayushman Bharat Health Insurance Scheme to include free treatment for all citizens above 70 is a monumental step towards ensuring comprehensive healthcare for India's aging population. This initiative aligns with the government's vision of a more inclusive and equitable healthcare system, providing critical support to millions of elderly individuals. As the scheme evolves, it continues to play a transformative role in improving health outcomes and quality of life for India's most vulnerable citizens.

The move not only addresses immediate healthcare needs but also sets a precedent for future health policies aimed at fostering a healthier and more secure aging population in India.

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