Everyone Over 70 To Be Covered Under Health Insurance Scheme | Ayushman Bharat | StudyIQ

Summary

The video script discusses the affordability of health insurance policies, highlighting how younger individuals can obtain coverage at lower premiums. It emphasizes the increased costs for seniors, often facing premiums exceeding 50,000 to 70,000. The government's efforts to provide insurance to as many people as possible are underscored, given the financial burden a family faces when a member falls ill. The script also details the government's initiative to offer free health insurance covering up to 5 lakhs for all citizens aged 70 and above under the Ayushman Bharat scheme. It outlines the scheme's benefits, eligibility criteria, and the process for enrollment and utilization of the insurance. Additionally, it mentions a special offer for UPSC courses with a promise of maximum discount using a provided code.

Takeaways

• 😊 Health insurance premiums are lower for younger people but increase significantly for individuals over 60.
• 🏥 Older people, especially those above 70, face higher health risks, leading to higher insurance premiums.
• 💡 The government aims to expand health insurance coverage, making it affordable for senior citizens and vulnerable populations.
• 🇮🇳 The Indian government has introduced free health insurance coverage of ₹5 lakh for all individuals aged 70 and above.
• 👨‍👩‍👧‍👦 Approximately 6 crore senior citizens in India will benefit from this scheme.
• 📋 The scheme, under the Ayushman Bharat initiative, already covers 12 crore families, making it one of the largest public-funded health insurance programs.
• 🎯 The primary objective of the initiative is to ensure universal health coverage across India, targeting economically vulnerable sections of society.
• 🛡️ This program provides cashless healthcare services, covering hospitalization, diagnostics, surgeries, and post-treatment care.
• 🗂️ Pre-existing conditions are covered under this insurance scheme, with no exclusions for previously diagnosed diseases.
• 🎓 The government continuously expands this scheme, with hopes of including younger age groups in the future to ensure everyone has health insurance.

Q & A

What is the main reason for the high health insurance premium for individuals aged 60 and above?

The main reason is that individuals aged 60 and above have a higher likelihood of developing diseases, which leads insurance companies to charge a higher premium due to the increased risk.

What significant change did the government make regarding health insurance for people aged 70 and above?

The government announced that all individuals aged 70 and above in India will receive health insurance coverage of ₹5 lakh for free under the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana.

How does the health insurance provided under the Ayushman Bharat scheme help individuals?

The Ayushman Bharat scheme offers cashless hospitalization, covering hospitalization charges, diagnostic tests, surgeries, and post-treatment care, ensuring that individuals do not need to pay from their own pocket.

What is the objective of the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana?

The main objective of the scheme is to provide affordable healthcare to vulnerable sections of society, ensuring universal health coverage in India.

What are the two components of the Ayushman Bharat scheme?

The two components are the Health and Wellness Centers (providing primary healthcare services) and the Pradhan Mantri Jan Arogya Yojana (offering health insurance coverage of ₹5 lakh per family annually).

How does the Ayushman Bharat scheme determine eligibility for health insurance coverage?

Eligibility is based on socioeconomic criteria, including scheduled caste and tribe households, beggars, families with no individuals aged 16 to 59, landless households, and certain primitive tribal communities.

How can families check if they are eligible for the Ayushman Bharat scheme?

Families can visit the Ayushman Bharat website, enter their mobile number, and verify their details under the 'Am I Eligible' section to check if they qualify for the scheme.

What are the benefits of enrolling in the Ayushman Bharat health insurance scheme?

The benefits include cashless hospitalization, coverage for pre-existing diseases, hospital charges, and a 15-day post-hospitalization care, ensuring complete financial protection for families.

Is there any family size limit for coverage under the Ayushman Bharat scheme?

No, there is no limit on family size, age, or gender under the scheme. Every family, regardless of size, is eligible for ₹5 lakh of coverage.

How many people have benefited from the Ayushman Bharat scheme so far?

As of now, over 7.37 crore hospital admissions have been recorded under the scheme, with nearly ₹50,000 crore in benefits provided to the public.