Ayushman Bharat Vaya Vandana Card

The Ayushman Bharat Vaya Vandana Card offers a blend of healthcare and pension benefits under government schemes aimed at senior citizens in India.
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3 min
20-May-2025
Retirement doesn't mean stepping back from life—it’s about stepping into a phase where health, dignity, and financial stability matter more than ever. That's where the Ayushman Bharat Vaya Vandana Card comes in—a unique convergence of senior care, financial support, and health protection for India’s elderly population. But while the card offers a cushion, pairing it with a robust senior citizen health insurance plan can truly safeguard your peace of mind.

In this article, we’ll explore everything you need to know about the Ayushman Bharat Vaya Vandana Card—its purpose, benefits, eligibility, application process, and how it compares with similar schemes. Plus, we’ll help you discover why combining this with the right health insurance cover for pre-existing diseases is essential in your golden years.

Did you know? Many senior health insurance plans now offer zero or low waiting periods on pre-existing diseases, free annual health checkups, and cashless hospitalization at 10,000+ hospitals. It's a smart upgrade alongside your Vaya Vandana Card. Get instant quotes

What is Ayushman Bharat Vaya Vandana Card?

The Ayushman Bharat Vaya Vandana Card is a specially designed identity and service card for senior citizens, introduced under a blend of the Government of India's flagship initiatives—Ayushman Bharat (for healthcare access) and Pradhan Mantri Vaya Vandana Yojana (PMVVY) (a pension-cum-insurance scheme by LIC). While Ayushman Bharat ensures hospitalization benefits under the PM-JAY scheme, the Vaya Vandana component supports financial independence through regular pension payouts.

The card essentially acts as a single-point access to both healthcare and financial benefits—empowering senior citizens to live with security, dignity, and a sense of control over their health and money matters.

Combine your Vaya Vandana Card benefits with a Rs. 10 lakh health insurance plan starting at just Rs. 9.3/day. Compare plans now

Benefits of Ayushman Bharat Vaya Vandana Card for Senior Citizens

Senior citizens enrolled under this card enjoy multiple healthcare and financial privileges. Here’s what makes the card so valuable:

Cashless treatment at empanelled Ayushman Bharat hospitals.

Annual pension payouts via LIC for financial support post-retirement.

Coverage for major illnesses including age-related diseases.

Priority care for elderly citizens during hospitalization.

Faster claim processing when paired with digital health records.

But remember, while Ayushman Bharat covers hospitalization, it may not cover everything—like pre- and post-hospitalization costs, OPD consultations, or long waiting periods for pre-existing diseases. That’s where a comprehensive health insurance plan steps in.

Eligibility criteria for Ayushman Bharat Vaya Vandana Card

To avail the card and its dual benefits, you must meet the following eligibility conditions:

Must be an Indian citizen aged 60 years or above

Should be enrolled in the Ayushman Bharat Yojana (PM-JAY)

Eligible for PM Vaya Vandana Yojana (PMVVY) via LIC

Must possess a valid Aadhaar and residence proof

Should not have any other pension schemes (for PMVVY)

Many senior citizens may find that public healthcare schemes offer basic coverage—but not necessarily holistic protection.

How to Apply for Ayushman Bharat Vaya Vandana Card

Applying for this card involves both online and offline options. Here’s a step-by-step guide:

Step 1: Visit the nearest LIC branch or Ayushman Bharat Seva Kendra.

Step 2: Carry valid documents like Aadhaar, address proof, and senior citizen certificate.

Step 3: Fill out a combined application form for both PMVVY and PM-JAY.

Step 4: Submit the form and wait for digital verification.

Step 5: Once verified, your card will be issued and mailed to your registered address.

Alternatively, you can apply online through the official PMVVY or Ayushman Bharat websites, upload scanned documents, and track status via your mobile number.

Reminder: Once you receive the card, link it with your digital health ID to ensure faster claim settlements and access to network hospitals.

Difference Between Ayushman Bharat and Vaya Vandana Yojana

Though both initiatives are aimed at senior welfare, they serve different purposes. Here’s how they differ:

FeatureAyushman Bharat (PM-JAY)Pradhan Mantri Vaya Vandana Yojana (PMVVY)
FocusHealthcare coveragePension/Financial stability
Administered ByNational Health Authority (NHA)Life Insurance Corporation (LIC)
Age GroupFamilies including senior citizensSenior citizens only (60+)
Benefit TypeCashless hospitalizationFixed pension returns
Integration via CardYes (Vaya Vandana Card combines both benefits)Yes (via LIC enrolment linked to Ayushman Bharat)


Pro Tip: Even if you have both, they may not fully protect you from non-hospital costs or chronic conditions. Pair them with a private health insurance policy with minimal waiting period of pre-existing diseases for all-round protection. Get instant quotes

Conclusion

The Ayushman Bharat Vaya Vandana Card brings together two of the most vital concerns for senior citizens—health and financial well-being. It simplifies access to healthcare and ensures consistent pension income. But public schemes have limits. If you're 60+ or caring for someone who is, don't just stop at government benefits—secure your future with a health insurance plan that covers pre-existing disease, has shorter waiting periods, and offers cashless treatment across India.

Looking to enhance your health coverage?Compare top-rated senior citizen health insurance plans here and get a quote in just 30 seconds.

Because in your golden years, health isn’t a luxury—it’s a necessity.

Frequently asked questions

Is Ayushman Bharat Vaya Vandana Card only for senior citizens?
The Ayushman Bharat Vaya Vandana Card is exclusively for senior citizens aged 70 years and above, regardless of their economic status. It's a special initiative under the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PMJAY).

What documents are needed for Ayushman Bharat Vaya Vandana Card?
For the Ayushman Bharat Vaya Vandana Card, you typically need your Aadhaar card as the primary document for identity and age verification. You might also need proof of address and your PMJAY beneficiary proof if you were previously enrolled.

Can I use the Ayushman Bharat Vaya Vandana Card in any hospital?
You can use the Ayushman Bharat Vaya Vandana Card at any hospital empanelled under the AB PMJAY network, which includes both government and private hospitals. The government has shared state-wise lists of these hospitals for beneficiaries to access cashless treatment.

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