Ayushman Vaya Vandana (AVV) Scheme

Syllabus: Prelims Unit I - General Science

Basic Features

• Launched by PM Narendra Modi
• Extension of AB PM-JAY (Ayushman Bharat Pradhan Mantri Jan Arogya Yojana)
• Coverage amount: ₹5 lakh per year
• Total budget allocation: ₹3,437 crore

Eligibility Criteria

• Universal eligibility for citizens aged 70+ years
• No income restrictions
• Open to all economic backgrounds (low, middle, upper-income)
• Coverage extends to shared family members in same household
• Immediate coverage from enrollment

Key Benefits

Healthcare Coverage:

• Free hospital treatment up to ₹5 lakh
• Cashless hospitalization
• Coverage in both public and private hospitals
• Comprehensive medical coverage including:
• Medications
• Diagnostics
• Pre- and post-hospitalization
• Physician fees
• Medical supplies

Special Features:

• No waiting period
• Aadhar-based e-KYC mandatory
• Coverage starts from day one of enrollment
• Option to continue existing insurance schemes

Enrollment Process

• Download Ayushman app from Google Play Store
• Login as beneficiary
• Enter captcha and mobile number
• Complete authentication
• Click to enroll senior citizens
• Submit Aadhaar for verification
• Upload photo and fill additional information

Market Impact

• Health insurance market valued at ₹12.86 billion (2023)
• Expected CAGR growth: 11.55% by 2030
• Will cover 4.5 crore families with senior citizens

Limitations

Hospital Network:

• Limited to empanelled hospitals
• May not offer same accessibility as private insurance

Policy Terms:

• Subject to government policy changes
• Limited control over long-term policy terms
• May need supplementary private insurance