What is AB-PMJAY 70+ Senior Citizens?
Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) for Senior Citizens 70+ is a landmark October 2024 expansion of India's flagship health insurance scheme. Every Indian citizen aged 70 years and above gets ₹5 lakh per year cashless health cover at empanelled hospitals — REGARDLESS of income, BPL status, or pre-existing PMJAY enrollment. Families already covered under PMJAY get an additional ₹5 lakh top-up exclusively for senior members. The new Vy Vandana Card (Distinct Senior Card) is issued separately to 70+ citizens. Covers cardiac, cancer, kidney, joint replacement, neurosurgery, ICU, and 1,949+ procedures at 30,000+ hospitals nationwide.
AB-PMJAY 70+ Senior Citizens — Quick Overview
| Scheme Name | AB-PMJAY Senior Citizens 70+ Free Health Cover 2026 — ₹5 Lakh Cashless | Vy Vandana Card |
| Launched By | Government of India |
| Launch Year | 2024 |
| Benefit | ₹5 lakh per year cashless health cover for ALL senior citizens 70+ — no income/BPL limit — separate Vy Vandana Card |
| Category | Health |
| Last Verified | 15 May 2026 |
| Official Portal | https://beneficiary.nha.gov.in |
Benefits of AB-PMJAY 70+ Senior Citizens
₹5 lakh per year cashless health cover for ALL senior citizens 70+ — no income/BPL limit — separate Vy Vandana Card
Who is Eligible for AB-PMJAY 70+ Senior Citizens?
- ✓Indian citizen aged 70 years or above (as on date of enrollment)
- ✓No income limit — ALL 70+ citizens eligible regardless of economic status
- ✓Aadhaar verification mandatory for senior identity
- ✓Already PMJAY-enrolled families get additional ₹5 lakh top-up for senior members exclusively
Documents Required for AB-PMJAY 70+ Senior Citizens
How to Apply for AB-PMJAY 70+ Senior Citizens Online?
- 1Visit beneficiary.nha.gov.in or an empanelled hospital/Ayushman Mitra desk to start Vy Vandana Card enrolment
- 2Aadhaar is checked on the spot to confirm age 70+; the Aadhaar record itself counts as sufficient age proof
- 3Your registered mobile number gets an OTP during enrolment specifically to authenticate the senior citizen for the card
- 4If your family already holds a PMJAY card, enrol separately as a senior member to draw the extra ₹5 lakh top-up
- 5Once verified, the distinct Vy Vandana Card is issued in the beneficiary's name, apart from any existing PMJAY card
- 6Present the Vy Vandana Card at any of the 30,000+ empanelled hospitals nationwide for cashless admission
- 7Treatment across the 1,949+ covered procedures is billed directly to NHA under the ₹5 lakh cover — no reimbursement paperwork
Official Government Portal
The single official window for this scheme is beneficiary.nha.gov.in. Filing is free, so steer clear of touts promising guaranteed selection.
🔗Apply on beneficiary.nha.gov.in