Ayushman Bharat Update: Health Coverage May Increase from ₹5 Lakh to ₹10 Lakh

A major update on Ayushman Bharat has brought relief to common citizens across India. The government is planning to expand the benefits of the Ayushman Bharat health insurance scheme.Currently beneficiaries receive free treatment up to ₹5 lakh but discussions are underway to increase this limit to ₹10 lakh.If approved this enhancement will offer huge support to families struggling with rising healthcare costs.

Ayushman Bharat Scheme May Soon Offer ₹10 Lakh Free Treatment

With medical expenses touching new highs the Ayushman Bharat scheme has been a crucial lifeline for low income families. The proposed expansion will especially help those who often face financial crises during medical emergencies.

However this increase in coverage will be available only to families with a member above 70 years of age. Such eligible elderly members will receive an additional ₹5 lakh coverage, taking the total health insurance benefit to ₹10 lakh. To avail this, their Aadhaar-based age verification and fresh eKYC will be mandatory.

Understanding the Ayushman Bharat (PMJAY) Scheme

Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PMJAY) is India’s flagship health insurance scheme aimed at protecting poor and vulnerable families from high medical costs. It offers

• Cashless treatment up to ₹5 lakh per family per year
  
• Valid at thousands of empanelled hospitals across the country
  
• Coverage for secondary and tertiary care
  
• All pre existing diseases covered from day one
  

This makes Ayushman Bharat one of the world’s largest government-funded healthcare programmes.

Who Is Covered Under Ayushman Bharat?

One of the biggest advantages of the Ayushman Bharat scheme is its full family coverage. It includes are

• Husband and wife
  
• Children (including newborns)
  
• Parents & grandparents
  
• Siblings
  
• In-laws
  
• Other dependents living in the household
  

There is no cap on the number of family members, and no restriction on age or gender.

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Diseases Covered Under Ayushman Bharat Card

The Ayushman Bharat card allows beneficiaries to receive treatment for many serious illnesses free of cost. Some major diseases covered such as

• Heart diseases
  
• Cancer
  
• Neurological disorders
  
• Kidney & urinary system problems
  
• Liver & stomach diseases
  
• Respiratory issues
  
• Bone & joint problems
  

This wide coverage makes the Ayushman Bharat scheme one of the best healthcare support systems for low-income families in India.