Launched in October 2024 under the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY), the Ayushman Vay Vandana Card aims to provide free health insurance of ₹5 lakh annually to all Indian citizens aged 70 and above, irrespective of income or previous scheme eligibility.
Introduced by Prime Minister Narendra Modi, this health scheme covers nearly 2,000 medical procedures, including treatment for pre-existing conditions, with no waiting period.
Who is Eligible?
Any Indian citizen aged 70 or older can apply. Individuals already enrolled under Ayushman Bharat PM-JAY will receive this as a top-up, doubling their coverage. Those with private insurance or other government health schemes can also opt in, but they must choose between their current plan and this one.
Key Features:
Annual health coverage of ₹5 lakh
Coverage for 1,961 medical procedures across 27 specialities
Includes pre-existing illnesses from day one
Cashless treatment at 30,072 empanelled hospitals, including 13,352 private facilities
How to Apply and Download the Card via Ayushman App:
Download the ‘Ayushman App’ from the Google Play Store
Choose ‘Login as beneficiary’ or ‘operator’
Enter the captcha and mobile number, then select an authentication method
Input OTP and allow location access
Enter Aadhaar, state, and other beneficiary details
If not found, complete eKYC with OTP consent
Fill in the declaration form and required information
Submit mobile number, OTP, PIN code, and category
Add family members if needed
After eKYC approval, download the Ayushman Vay Vandana Card
What Treatments Are Covered?
The card covers advanced treatments such as:
Hemodialysis and Peritoneal Dialysis
Total Knee and Hip Replacement
Cardiac procedures like PTCA and pacemaker insertion
Stroke and cancer treatment
Orthopaedic surgeries
Where Can You Use the Card?
Cardholders can avail treatment at any of the 30,072 empanelled hospitals across India, including both government and private facilities.