The Union Cabinet extends Ayushman Bharat to senior citizens Above 70; a move that would benefit six crore people

In a significant move the Union Cabinet has approved the extension of the Ayushman Bharat health insurance scheme to all citizens above 70 years of age, regardless of their income or social standing. The Cabinet’s decision fulfils a key promise made by Prime Minister Narendra Modi during the 2024 Lok Sabha election campaign. This move is expected to transform healthcare for senior citizens, providing much-needed relief to millions who have been struggling with rising medical costs and insufficient insurance coverage. Since its launch over five years ago, Ayushman Bharat has provided healthcare access to millions across India, covering hospitalisations and treatments for families that otherwise couldn’t afford medical care. However, data has shown that nearly every fourth person admitted to hospitals under this scheme has been a senior citizen, highlighting their disproportionate need for medical support. Out of over one crore admissions, 24% were of citizens aged 60 and above, demonstrating how essential this safety net is for the elderly.

The latest decision to extend coverage to all citizens over 70 is particularly significant as this age group is often neglected by private insurers. Most health insurance companies either refuse to offer policies to those above 70 or charge prohibitively high premiums. Even when insurance is available, pre-existing conditions are often excluded for the first two to three years, leaving many senior citizens without immediate access to treatment for serious ailments like heart disease, kidney issues, and diabetes. With the new policy, six crore people over 70 years of age are expected to benefit, receiving health insurance coverage up to Rs 5 lakh per year. This applies on a family basis, ensuring that elderly individuals, even those abandoned by families or facing financial hardships, can now access free or affordable medical care. The extension of Ayushman Bharat to all citizens above 70 comes at a critical time. Procedures like dialysis, heart surgeries, and cancer treatments are not only expensive but also frequent among  senior citizens. The new policy provides a safety net for seniors who have, until now, been forced to bear these expenses themselves or rely on insufficient public health programs. Rs 5 lakh coverage under Ayushman Bharat will lift much of this financial burden, enabling families to access quality healthcare without worrying about their savings. Apart from the direct medical benefits, this policy could have far-reaching social implications. India's senior citizens, especially those in rural or economically disadvantaged areas, often face neglect and abandonment when they become ill. This policy not only promises improved healthcare outcomes but also offers dignity and security to millions of older Indians at a time when they need it most. As this initiative rolls out, its impact on families, communities, and the healthcare system at large will likely be profound, marking a significant leap toward inclusive and accessible healthcare for all.