The Ayushman Vay Vandana Card, launched in October 2024 under the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY), is aimed at providing free health insurance of Rs 5 lakh to all Indian citizens aged 70 and above, regardless of income or previous eligibility.
This health initiative, introduced by Prime Minister Narendra Modi, offers comprehensive coverage for nearly 2,000 medical procedures, including pre-existing conditions, with no waiting period.
Who Can Avail the Card?
Any Indian citizen aged 70 or above can apply. Those already covered under Ayushman Bharat PM-JAY will receive this as an additional top-up, effectively doubling their coverage. Even individuals covered by private insurance or other government health schemes are eligible, though they must choose between existing benefits and this new offering.
Key Benefits
Rs 5 lakh annual health cover
- Covers 1,961 medical procedures across 27 specialities
- Includes all pre-existing illnesses from day one
- Cashless treatment at over 30,000 empanelled hospitals, including 13,352 private facilities
How To Register And Download The Ayushman App
To claim the Ayushman Vay Vandana Card, follow these steps:
- Download the 'Ayushman App' from the Google Play Store.
- Select 'Login as beneficiary' or 'operator', if applicable.
- Enter the captcha, mobile number, and select the authentication method.
- Input the OTP, captcha code, and click on Login.
- Allow the app to access your device location.
- Enter beneficiary details, including Aadhaar and state information.
- If the beneficiary is not found, complete the eKYC process by consenting to an OTP verification.
- Fill out the declaration form and provide the required information.
- Submit the mobile number and OTP for the beneficiary.
- Enter details like PIN code and category.
- Add family members if needed and proceed.
- Once the eKYC is approved, the Ayushman Vay Vandana Card will be available for download.
What Treatments Are Covered?
The scheme includes specialised procedures like:
- Hemodialysis/Peritoneal Dialysis
- Total Knee and Hip Replacements
- Cardiology treatments, including PTCA and pacemaker implantations
- Stroke and cancer care
- Orthopaedic surgeries
Where Can You Use the Card?
Cardholders can access treatment at any of the 30,072 empanelled hospitals under the scheme, including private and public facilities across India.
