Ayushman Vay Vandana: ₹5 Lakh Free Health Cover at 70+

Every Indian aged 70+ qualifies — there is no income ceiling, even wealthy seniors are eligible

It gives a dedicated ₹5 lakh annual cover that does NOT eat into the family's existing PM-JAY balance

Apply free via the Ayushman App, the PM-JAY website or a Common Service Centre using just Aadhaar

CGHS/ECHS/CAPF members must pick one scheme; private mediclaim and ESIC holders can hold this too

Pre-existing illnesses are covered from day one and treatment is cashless at empanelled hospitals