Implementation of Expanded AB PM-JAY for Seniors Over 70 Delayed in Tamil Nadu
The expansion of the Ayushman Bharat Pradhan Mantri-Jan Arogya Yojana (AB PM-JAY) to include all citizens aged 70 and above faces implementation delays in Tamil Nadu. While the Centre expanded the scheme to provide free treatment up to ₹5 lakh per year regardless of socio-economic status, the State and Union governments differ on beneficiary definitions and funding ratios. Tamil Nadu uses an annual income of ₹1.2 lakh for poverty determination, while the Centre relies on 2011 SECC data. Currently, the State's CMCHIS covers 1.48 crore families, but the Centre only shares the premium for 86.5 lakh families under the integrated scheme.
Key Points
- The expanded AB PM-JAY provides ₹5 lakh annual coverage for all seniors aged 70+, irrespective of income.
- The standard funding ratio between the Centre and States is 60:40, rising to 90:10 for Himalayan and North-eastern states.
- Tamil Nadu seeks Central contribution for a larger pool of beneficiaries based on state-defined poverty lines.
- An estimated 53.12 lakh individuals in Tamil Nadu are aged 70 and above, representing a significant potential beneficiary base.
Exam Facts
- Funding ratio: 60:40 (General States), 90:10 (NE/Himalayan States).
- Beneficiary age threshold: 70 years and above.
- Annual coverage amount: ₹5 lakh per family/individual.
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