Ayushman Bharat Senior Citizens (70+ Age) Universal Health Top-Up
Dedicated ₹5 Lakh annual cashless healthcare top-up exclusively for citizens aged 70 years and above, over and above family floater limits. Universal coverage regardless of economic status.
Sum Insured / Cover
₹5 Lakh Exclusive Senior Cover
Annual Premium
100% Free / Government Funded
Claim Settlement
99.0% (Direct Government Grant)
Network / Scope
500 Empaneled
✦ Key Benefits & Policy Coverage
Dedicated ₹5 Lakh annual cashless healthcare top-up exclusively for citizens aged 70 years and above, over and above family floater limits. Universal coverage regardless of economic status.
What is Missing: Critical Policy Exclusions & Limitations
Eligo disclosure: Private insurance agents and official ads rarely mention these limitations. Verify before relying on this coverage.
Excludes OPD consultations. Shared room allocation in private hospitals.
✦ Eligibility Requirements
All Indian citizens aged 70 years and above with Aadhaar.
✦ Application, Enrollment & Claims Process
1. Verify medical diagnosis at designated government medical college or Center of Excellence.
2. Submit medical committee recommendation and Aadhaar.
3. Financial clearance or cashless voucher issued.Official Portal
Official Government / PSU Portal
Apply or verify on the official administrative domain
✦ Documents Checklist
Medical Board Certificate, Diagnostic Reports, Aadhaar Card, Income Certificate / Ration Card.
✦ Life Situations Where This Scheme Helps
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Health Emergency & Medical Care
Cashless hospital treatment up to ₹5 Lakh, free essential medicines, diagnostic services, and critical illness financial support.
Senior Citizens & Retirement Care
Guaranteed pension schemes, free assisted living devices, subsidized healthcare, and geriatric welfare for elderly citizens.
Underwriting Entity & Public Grievance Contact
Administering Body:
Government of India