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India · Senior health · Government schemes

Government Health Schemes for Senior Citizens in India

By Best Worst Insurance Editorial TeamUpdated 18 August 2026

If your parent is 70 or older they are eligible for Ayushman Bharat PM-JAY cover of up to ₹5 lakh a year, with no income test and nothing to pay [1]. Two things about that sentence are almost always reported wrongly. First, for a family not already in PM-JAY the ₹5 lakh is on a family basis — a 74-year-old and his 71-year-old wife share one pool rather than holding ₹5 lakh each [1]; only families *already* inside PM-JAY get a separate ₹5 lakh ring-fenced for their 70-plus members [1]. Second, what you apply for is the Ayushman Vay Vandana card, live since October 2024 [2,1] — not Pradhan Mantri Vaya Vandana Yojana, which is an LIC pension product and pays no hospital bill. About 1.20 crore seniors had enrolled as at 12 August 2026 [3] against 6 crore eligible [2,1] — roughly one in five [3,2].

What a 70-plus parent actually gets, by household situation

The distinction in the first two rows is the whole page. It is set out in the Cabinet decision itself, and it is the opposite of what most readers assume.

Your householdWhat the 70-plus member getsWhat that means in practice
Family not previously a PM-JAY beneficiaryUp to ₹5 lakh a year on a family basis [1]Both parents over 70 draw on one ₹5 lakh pool. One serious admission can use most of the year's cover for both of them
Family already covered under PM-JAYAn additional top-up of up to ₹5 lakh a year for the 70-plus members [1]Ring-fenced — the under-70s in the household cannot draw on it. This is the better of the two entitlements
Parent holds a private retail health policyStill eligible [1]Explicitly clarified in the Cabinet decision. Buying private cover does not forfeit the scheme
Parent covered by ESICStill eligible [1]Same clarification, same paragraph
Parent covered by CGHS, ECHS or Ayushman CAPFMust choose one or the other [1]The only situation in the Cabinet text where the choice is exclusive. Compare the two before switching
Parent aged 60–69Not covered by this entitlement — it begins at 70 [1]IRDAI's senior-citizen protections start at 60 [5]; the universal PM-JAY entitlement starts at 70. There is a decade in between

1. What was actually decided, and what it says

On 11 September 2024 the Union Cabinet approved health cover for all senior citizens aged 70 and above under Ayushman Bharat PM-JAY, irrespective of income or socio-economic status [1]. There is no income test and no BPL requirement. That much every page in this category reports correctly.

The next sentence is where the reporting falls apart. The Cabinet decision draws a line through the eligible population:

  • A family that was not already a PM-JAY beneficiary gets cover of up to ₹5 lakh a year on a family basis [1].
  • A family that was already covered under PM-JAY gets an additional top-up of up to ₹5 lakh a year for its 70-plus members, which they do not share with family members under 70 [1].

Read those together and the result is counter-intuitive enough that it is worth stating twice. If both your parents are over 70 and the household has never been in PM-JAY, they have ₹5 lakh between them for the year, not ₹5 lakh each. If the household was already inside PM-JAY, its seniors get their own ₹5 lakh sitting on top of the family cover and fenced off from everyone under 70. The households that were already covered get the better deal.

The scheme in numbers, each from a Parliament answer or a PIB release

Published together so the arithmetic is visible. The 20% is our division of two official figures, not an official statistic.

MeasureFigureAs at
Eligible senior citizens targeted6 crore, in 4.5 crore families [2,1]Stated in the Cabinet decision and repeated in Parliament answers through 2026
Seniors actually enrolled1.20 crore [3]12 August 2026
Take-up shareAbout 20% — roughly one in five [3,2]Computed from the two rows above
Hospital admissions authorised10.33 lakh, worth ₹2,154.37 crore [2]31 December 2025
Treatments availedOver 13.84 lakh, worth about ₹3,000 crore [3]12 August 2026
Empanelled hospitals36,229 — 19,483 public, 16,746 private [4,3]28 February 2026

2. Vay Vandana, Vaya Vandana, and the question people are actually asking

The document your parent needs is the Ayushman Vay Vandana card. The Cabinet decision provided that eligible seniors "would be issued a new distinct card"; that card is the Vay Vandana card, and the expansion went live through it in October 2024 [2,1].

Pradhan Mantri Vaya Vandana Yojana is a different product from a different part of government — an LIC pension scheme. It pays an income. It does not pay a hospital [2,1]. We say nothing here about whether it remains open to new subscribers, because that is not a question we have verified against a primary document.

The confusion is not hypothetical. People searching for a way to cover an 80-year-old parent run the two names together in one question and get back an answer describing a pension, and users report AI assistants making the same substitution.

Three names people use interchangeably, and what each one actually is

Get this wrong and you will spend weeks applying for the wrong thing. We have seen all three collapsed into a single question by people trying to insure an 80-year-old.

Name you may have heardWhat it actually isDoes it pay a hospital bill?
Ayushman Vay Vandana cardThe distinct card issued to 70-plus beneficiaries under AB PM-JAY, live since October 2024 [2,1]Yes — this is the one you want
AB PM-JAY / Ayushman BharatThe parent scheme. The 70-plus extension sits inside it and is delivered through the Vay Vandana card [2,1]Yes
Pradhan Mantri Vaya Vandana Yojana (PMVVY)An LIC pension product. Different ministry, different mechanism, no relationship to the health card despite the near-identical name [2,1]No. It pays a pension, not a hospital. We make no claim here about its current enrolment status

3. How enrolment works, and what we can and cannot tell you about it

The primary documents establish the shape of the thing: a distinct card, issued to seniors aged 70 and above, delivered through PM-JAY's beneficiary machinery, live since October 2024 [2,1], with cover conditioned on the household rule in §1.

They do not establish a step-by-step enrolment procedure. The National Health Authority's beneficiary portals are single-page applications that serve almost no readable content to a plain fetch, and the press releases describe outcomes rather than process — so we are not publishing a numbered walkthrough dressed up as official guidance. What we can say honestly is that the entitlement attaches to age and not income, so a rejection on income grounds is wrong; that the card is separate from the underlying PM-JAY family card, which is why an already-covered household needs the new one to unlock its top-up [1]; and that holding a private retail policy is not a disqualification [1]. Do it before you need it.

4. The number nobody publishes: about one in five

Successive Parliament answers give a clean series. As at 12 August 2026, 1.20 crore seniors were enrolled under the Ayushman Bharat Vay Vandana scheme [3]. The scheme's own stated target population is 6 crore senior citizens in 4.5 crore families [2,1].

That is about 20% — roughly one in five eligible seniors, about 22 months after launch [3,2]. The 20% is our arithmetic on two official figures, not an official statistic, which is why both are printed above it.

The utilisation figures show the cover is real for those holding the card: 10.33 lakh admissions worth ₹2,154.37 crore authorised by 31 December 2025 [2], and over 13.84 lakh treatments worth about ₹3,000 crore by August 2026 [3]. Both facts hold at once: the scheme pays, and four in five eligible seniors are not inside it.

5. Where "everyone is eligible" stops being the same thing as "everyone is covered"

Three separate constraints sit between the entitlement and a paid hospital bill, and only one of them is in dispute.

The hospital network. 36,229 hospitals were empanelled as at 28 February 2026 — 19,483 public and 16,746 private [4,3]. Fewer than half are private, in a country where the private sector handles most tertiary care. Whether the specific hospital your family would use for a cardiac or oncology admission is empanelled is a question to answer now, not from a waiting room.

The States. The Ministry's Parliament answers consistently report utilisation "across the implementing States/UTs" [2]. That phrasing is evidence the set is not universal. It is also as far as our evidence goes. We searched PIB for a release enumerating the current non-implementing States and UTs and found none; the National Health Authority's own portals returned empty application shells to a plain fetch. News reports name particular States and other publishers reprint those names as though they were official. We record this sub-question as not established — better to tell a reader in a non-implementing State that we do not know than hand them a list we cannot stand behind. Verify with your parent's State health department.

What users describe at the admissions desk. The following is tier C in our source model — individual accounts posted in public forums, read during our research. It is evidence of what people describe, never evidence of how often it happens, and it is not a settlement statistic:

  • A widely-shared account from Mumbai describes a family being turned away by hospital after hospital while holding the entitlement, and calls the cover a joke in practice. In the same thread a doctor explains the mechanism: government package rates sit below market rates and reimbursements arrive slowly, so hospitals can end up funding the treatment themselves. A hospital administrator in the same discussion describes running a separate, longer waiting list for scheme patients, particularly for specialised surgery.
  • A second, grimmer thread concerns an elderly cancer patient in Bengaluru who was declined the benefit and later died by suicide. It is the sharpest illustration in our corpus of the distance between an announcement and a bedside. We reproduce none of the medical detail, and treat the underlying facts as reported by the press rather than established by us.

We hold no data point on refusal rates at admission, and publish none. What we can say is that eligibility is universal by design [1] and access is not, and the second is the part your family has to plan around.

6. Does your parent still need a private policy?

Often, yes — and holding both is expressly permitted [1].

The free scheme against a bought senior policy — where each one stops

This is a comparison of what each covers, not a recommendation to drop either. For most families the honest answer is that they do different jobs.

QuestionAyushman Vay Vandana (PM-JAY 70+)A bought senior policy
What you pay for itNothing. Cover up to ₹5 lakh a year at no premium [1]₹22,347 a year before tax for ₹5 lakh individual cover at Star Health [6]. At ₹10 lakh, age 61–65, top metro zone and matched at a 20% co-payment: ₹34,409 at ICICI Lombard [7] and ₹35,000 at Tata AIG [8]
Whether age can shut your parent outNo. Eligibility is age 70 and above, irrespective of income or socio-economic status [1]Frequently. United India closes new entry at 65 [9], Star Health at 75 [6], Niva Bupa at 75 [10]; new business closes at 75 or 80 at four private insurers [11,12,13,14,15], and ICICI publishes no rate above 85 at all [7,14]
What you pay at the point of claimNot addressed in the primary documents we hold, so we publish no figure — check the package rules for the treatment your parent needsNone at New India [16,17] or United India [9]; 30% on every claim at Star Health [6,18]; across the five largest private products the range runs from nothing to 50% [10,8,19,20,21], and two of eleven filed private products default the buyer to bearing half of every claim [14]
Where it can be usedEmpanelled hospitals only — 16,746 of the 36,229 are private [4,3]Any hospital, subject to the policy's own network, room-rent and sub-limit rules
Waiting before a known condition is coveredWe hold no primary-document data point on waiting periods under the scheme and state none24 to 48 months across the five largest private products [22,8,20,19,23]; 18 months at New India [16], 12 at Star Health [6,18]. IRDAI caps a disclosed pre-existing-disease wait at 36 months [24]

Three things fall out of that table.

The scheme is strongest exactly where the private market is weakest. A 76-year-old with a heart condition may be uninsurable on retail paper: United India closes new entry at 65 [9], Star Health and Niva Bupa at 75 [6][10], four private insurers close new business at 75 or 80 [11,12,13,14,15], and ICICI Lombard publishes no rate above 85 despite advertising no maximum entry age [7,14]. PM-JAY's entitlement asks only for the age [1].

₹5 lakh a year for a household is not a large sum against a serious illness. It is the same ₹5 lakh whether one parent is admitted or both, in the normal case [1]. Families in the threads we read discovered this while pricing cancer treatment. A private layer on top is doing the job of covering what the pool cannot.

Do not surrender continuity casually. After 60 continuous months of coverage an insurer can no longer contest a claim for non-disclosure or misrepresentation, except on established fraud [24,25]. Cancelling a mature policy in favour of a card that only works at empanelled hospitals [4,3] throws away a protection that took five years to earn — and at 70-plus, the door back in may be shut. If the reason you are considering cancelling is the renewal price, read the 10% cap on senior premium increases first: insurers are directed not to raise a senior's premium by more than 10% a year [5].

And check the tax. Individual health insurance has been exempt from GST since 22 September 2025 [26][26,27], family floaters included [26,28]. Employer and group cover — the most common way an adult child insures a parent — is not exempt and still carries 18% [26,28]. If a quote for your parents still shows 18% on an individual policy, it is out of date.

7. What to actually do this week

  • Check your parent's age against 70, not 60. The universal entitlement starts at 70 [1]. A 68-year-old is in the gap between IRDAI's definition of a senior citizen at 60 [5] and the scheme's threshold.
  • Establish whether your household is already a PM-JAY beneficiary, because that single fact decides whether your seniors get a shared ₹5 lakh [1] or their own ring-fenced ₹5 lakh [1].
  • Apply for the Ayushman Vay Vandana card by that name [2,1] — not the pension scheme with the near-identical name.
  • If your parent is on CGHS, ECHS or Ayushman CAPF, do the comparison before switching. That is the one case where the choice is exclusive [1].
  • Confirm the hospital you would actually use is empanelled. Fewer than half of the 36,229 empanelled hospitals are private [4,3].
  • Confirm the scheme is running in your parent's State with the State health department. We could not establish the current list of non-implementing States and UTs from any primary document [2].
  • Do not cancel a private policy on the strength of the card. Both are allowed [1], and continuity is worth more than it looks [24,25].

What private cover costs at each age band is on the senior premium page; what a senior actually pays out of pocket once co-payments and sub-limits bite is in what you will actually pay; and the grounds on which senior claims are refused are in why senior citizens' health claims get rejected.

Frequently asked questions

Is Ayushman Bharat free for senior citizens above 70?
Yes. The Union Cabinet approved health cover for all senior citizens aged 70 and above irrespective of income or socio-economic status, with nothing to pay [1]. There is no income test, no means test and no BPL requirement for the 70-plus entitlement.
Is the ₹5 lakh cover per senior citizen or per family?
Per family, in the normal case. A family that was not already a PM-JAY beneficiary receives up to ₹5 lakh a year on a family basis [1] — so two parents both over 70 share one pool. The exception runs the other way: a family already covered under PM-JAY gets an *additional* ₹5 lakh a year reserved for its 70-plus members and not shared with anyone under 70 [1].
What is the Ayushman Vay Vandana card, and is it the same as Pradhan Mantri Vaya Vandana Yojana?
No — they are unrelated. The Ayushman Vay Vandana card is the distinct card issued to 70-plus beneficiaries under AB PM-JAY, live since October 2024 [2,1]. Pradhan Mantri Vaya Vandana Yojana is an LIC pension product. It pays an income, not a hospital bill. The names differ by one letter and are constantly swapped; the card is what you want if you are trying to cover a hospital admission.
My parents already have a private health insurance policy. Are they still eligible?
Yes. The Cabinet decision clarified specifically that senior citizens of 70 and above who hold private health insurance policies, or ESIC cover, remain eligible for AB PM-JAY [1]. The exclusive choice applies only to CGHS, ECHS and Ayushman CAPF, where your parent must pick one scheme or the other.
My parent is 68. Are they covered?
Not by this entitlement. The universal, income-blind extension begins at 70 [1]. That leaves a gap worth naming: IRDAI treats a person as a senior citizen from 60 for the purposes of its 10% cap on annual premium revisions [5], so a 68-year-old has the regulator's protections on a policy they must still buy and pay for, and no universal scheme entitlement until 70. A parent in their sixties is buying private cover, and the premium page is where to start.
How many senior citizens have actually enrolled?
1.20 crore as at 12 August 2026 [3], against a stated eligible population of 6 crore [2,1] — about 20%, roughly 22 months after launch [3,2]. Utilisation is real where the card is held: 10.33 lakh admissions worth ₹2,154.37 crore had been authorised by 31 December 2025 [2], and over 13.84 lakh treatments worth about ₹3,000 crore by August 2026 [3].
Is the scheme available in every State and Union Territory?
We do not know, and we will not guess. The Ministry's own Parliament answers report utilisation *"across the implementing States/UTs"* [2] — wording that only makes sense if some are not implementing it. We searched PIB releases and the National Health Authority's portals and found no primary document enumerating the current non-implementing States and UTs. News coverage names some; we are not repeating a list we cannot source. Check with your parent's State health department before relying on the card.
Will a good private hospital actually accept the card?
Sometimes. 36,229 hospitals were empanelled as at 28 February 2026, of which 16,746 were private [4,3] — fewer than half, against a private sector that handles most Indian tertiary care. Users in public forums describe being turned away at admission and describe long waits for scheme patients; those are individual accounts, tier C in our source model, and we hold no data point on how often it happens. Confirm empanelment for the specific hospital you would use, before you need it.
Should I cancel my parents’ private policy now that they have the card?
Think hard first. The card is worth up to ₹5 lakh a year for the whole household in the normal case [1] and works only at empanelled hospitals [4,3]. Cancelling also throws away accrued continuity: after 60 continuous months an insurer can no longer contest a claim for non-disclosure except on established fraud [24,25], and re-entry later may be impossible — several insurers close new business at 75 or 80 [11,12,13,14,15] and United India stops at 65 [9]. Holding both is permitted [1].

Sources

Every figure on this page is footnoted to one of the primary documents below. Reliability tiers: A = regulator, court or filed document; B = reputable publisher or carrier official page; C = user-generated (reported by users).

  1. 1.Press Information Bureau, Ministry of Health and Family Welfare, Government of India — Cabinet approves health coverage to all senior citizens of the age 70 years and above irrespective of income under Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY). https://www.pib.gov.in/PressReleasePage.aspx?PRID=2053881Tier A · Regulator / court / filed document · Published 2024-09-11 · Accessed 2026-08-18
  2. 2.Press Information Bureau, Ministry of Health and Family Welfare, Government of India — Update on Ayushman Vay Vandana Card — written reply of Shri Prataprao Jadhav, Minister of State for Health and Family Welfare, in the Rajya Sabha. https://www.pib.gov.in/PressReleasePage.aspx?PRID=2222493Tier A · Regulator / court / filed document · Published 2026-02-03 · Accessed 2026-08-18
  3. 3.Press Information Bureau, Government of India — PIB Backgrounder — Affordable and Accessible Healthcare for All. https://www.pib.gov.in/PressReleaseDetail.aspx?PRID=2298390Tier A · Regulator / court / filed document · Published 2026-08-12 · Accessed 2026-08-18
  4. 4.Press Information Bureau, Ministry of Health and Family Welfare, Government of India — Update on Progress of AB-PMJAY and ABDM — written reply of the Minister of State for Health and Family Welfare in the Rajya Sabha. https://www.pib.gov.in/PressReleasePage.aspx?PRID=2241085Tier A · Regulator / court / filed document · Published 2026-03-17 · Accessed 2026-08-18
  5. 5.Insurance Regulatory and Development Authority of India — Circular — Review of revision in premium rates under health insurance policies for senior citizens (Ref. IRDAI/HLT/CIR/MISC/27/1/2025). https://irdai.gov.in/documents/37343/365525/Circular+-+Review+of+revision+in++premium+rates+under+health+insurance+policies+for+senior+citizens.pdf/b703b6bf-d407-e8f0-a302-c17260bec4a5Tier A · Regulator / court / filed document · Published 2025-01-30 · Accessed 2026-08-18
  6. 6.Star Health and Allied Insurance Company Limited — Senior Citizens Red Carpet Health Insurance Policy — Prospectus (PROS / SCRC / V.13 / 2025). https://d28c6jni2fmamz.cloudfront.net/Prospectus_Senior_Citizens_Red_Carpet_Policy_V_11_ed34026052.pdfTier A · Regulator / court / filed document · Accessed 2026-08-17
  7. 7.ICICI Lombard General Insurance Company Limited — Golden Shield — Premium Rate Chart, 1,152 base cells plus 1,152 optional-cover cells (UIN ICIHLIP25042V022425). https://www.icicilombard.com/docs/default-source/default-document-library/golden-shield-rate-chart.pdfTier A · Regulator / court / filed document · Accessed 2026-08-18
  8. 8.Tata AIG General Insurance Co. — Tata AIG Elder Care — Prospectus (UIN TATHLIP23179V012223). https://www.tataaig.com/s3/eldercare_prospectus_b5d025637c.pdfTier A · Regulator / court / filed document · Accessed 2026-08-17
  9. 9.United India Insurance Company Limited — Individual Health Insurance Policy — Prospectus. https://uiic.co.in/web/sites/default/files/Policy-Document/20240325_Prospectus_IHIP.pdfTier A · Regulator / court / filed document · Published 2024-03-25 · Accessed 2026-08-17
  10. 10.Niva Bupa Health Insurance Co. — Senior First — Prospectus cum Sales Literature (UIN NBHHLIP27053V022627). https://transactions.nivabupa.com/pages/doc/prospectus/Senior-First-Prospectus.pdf?v=1.0Tier A · Regulator / court / filed document · Accessed 2026-08-17
  11. 11.Bajaj General Insurance Limited (formerly Bajaj Allianz General Insurance Co. Ltd) — Silver Health — Prospectus (UIN BAJHLIP23213V052223). https://www.bajajgeneralinsurance.com/download-documents/health-insurance/silver-health/silver_health.pdfTier A · Regulator / court / filed document · Published 2025-11-26 · Accessed 2026-08-18
  12. 12.Aditya Birla Health Insurance Co. Limited — Activ Care — Prospectus (UIN ADIHLIP21062V022021). https://www.adityabirlacapital.com/healthinsurance/assets/PDF/20250627T083542.pdfTier A · Regulator / court / filed document · Accessed 2026-08-18
  13. 13.ManipalCigna Health Insurance Company Limited — ManipalCigna Prime Senior — Prospectus, Classic and Elite (UIN MCIHLIP27039V022627). https://www.manipalcigna.com/documents/20124/0/PrimeSenior-Prospectus/c6756113-ba83-02a7-4ca4-2093d370b35fTier A · Regulator / court / filed document · Published 2026-04-10 · Accessed 2026-08-18
  14. 14.ICICI Lombard General Insurance Company Limited — Golden Shield — Sales Literature and Prospectus (UIN ICIHLIP25042V022425). https://www.icicilombard.com/docs/default-source/default-document-library/golden-shield-literature-and-prospectus.pdfTier A · Regulator / court / filed document · Accessed 2026-08-18
  15. 15.Universal Sompo General Insurance Co. Ltd — Senior Citizen Health Insurance Policy — Prospectus (UIN UNIHLIP21412V022021). https://www.universalsompo.com/assets/file/senior-citizen-health-insurance-policy/senior-citizen-health-insurance-policy-prospectus.pdfTier A · Regulator / court / filed document · Accessed 2026-08-18
  16. 16.The New India Assurance Co. Ltd. — Senior Citizen Mediclaim Policy — Prospectus. https://www.newindia.co.in/assets/docs/know-more/health/senior-citizen-mediclaim-policy/Prospectus%20Senior%20Citizen%20Mediclaim%20Policy1504.pdfTier A · Regulator / court / filed document · Accessed 2026-08-17
  17. 17.The New India Assurance Co. Ltd. — Senior Citizen Mediclaim Policy — Customer Information Sheet. https://www.newindia.co.in/assets/docs/know-more/health/senior-citizen-mediclaim-policy/Customer%20Information%20Sheet%20SENIOR%20CITIZEN%20MEDICLAIM%20POLICY.pdfTier A · Regulator / court / filed document · Accessed 2026-08-17
  18. 18.Star Health and Allied Insurance Company Limited — Senior Citizens Red Carpet Health Insurance Policy — Policy Wording (V.19). https://d28c6jni2fmamz.cloudfront.net/Policy_Senior_Citizens_Red_Carpet_Policy_V_19_293f3b97b4.pdfTier A · Regulator / court / filed document · Accessed 2026-08-17
  19. 19.HDFC ERGO General Insurance Co. — Optima Senior — Prospectus (UIN HDHHLIP21379V022021). https://www.hdfcergo.com/docs/default-source/downloads/prospectus/optima-senior---prospectus.pdfTier A · Regulator / court / filed document · Accessed 2026-08-17
  20. 20.SBI General Insurance Co. — Super Health Insurance — Prospectus (UIN SBIHLIP23050V012223). https://content.sbigeneral.in/uploads/7918c0bca794463482b491604b12f231.pdfTier A · Regulator / court / filed document · Accessed 2026-08-17
  21. 21.Care Health Insurance Ltd — CARE — Policy Terms & Conditions, effective 1 April 2021 (UIN RHIHLIP21017V052021). https://cms.careinsurance.com/cms/public/uploads/download_center/care---policy-terms-&-conditions-(effective-from-01-april-2021).pdfTier A · Regulator / court / filed document · Published 2021-04-01 · Accessed 2026-08-17
  22. 22.Niva Bupa Health Insurance Co. — Senior First — Policy Wording, current filing (UIN NBHHLIP27053V022627). https://transactions.nivabupa.com/pages/doc/policy_wording/Senior-First-Policy-Wording.pdfTier A · Regulator / court / filed document · Accessed 2026-08-17
  23. 23.Care Health Insurance Ltd — Care for Senior Citizens — brochure (carries flagship UIN RHIHLIP21017V052021). https://cms.careinsurance.com/cms/public/uploads/download_center/care-senior-brochure.pdfTier A · Regulator / court / filed document · Accessed 2026-08-17
  24. 24.Insurance Regulatory and Development Authority of India / Gazette of India — Insurance Regulatory and Development Authority of India (Insurance Products) Regulations, 2024 — F. No. IRDAI/Reg/8/202/2024. https://egazette.gov.in/WriteReadData/2024/253325.pdfTier A · Regulator / court / filed document · Published 2024-03-22 · Accessed 2026-08-18
  25. 25.Insurance Regulatory and Development Authority of India — Master Circular on Health Insurance Business (Master Circular on IRDAI (Insurance Products) Regulations 2024 – Health Insurance), Ref. IRDAI/HLT/CIR/PRO/84/5/2024. https://irdai.gov.in/document-detail?documentId=4942918Tier A · Regulator / court / filed document · Published 2024-05-29 · Accessed 2026-08-18
  26. 26.Ministry of Finance (Department of Revenue), Government of India — Notification No. 16/2025-Central Tax (Rate), dated 17 September 2025 — amends Notification No. 12/2017-Central Tax (Rate) to implement the recommendations of the 56th GST Council. https://taxinformation.cbic.gov.in/view-pdf/1010454/ENG/NotificationsTier A · Regulator / court / filed document · Published 2025-09-17 · Accessed 2026-08-18
  27. 27.GST Council / Ministry of Finance, Press Information Bureau — Recommendations of the 56th Meeting of the GST Council. https://gstcouncil.gov.in/sites/default/files/2025-09/press_release_press_information_bureau_0.pdfTier A · Regulator / court / filed document · Published 2025-09-03 · Accessed 2026-08-17
  28. 28.Department of Financial Services, Ministry of Finance, Government of India — Frequently Asked Questions on Exemption of GST on all Individual Life Insurance and Health Insurance Policies. https://financialservices.gov.in/exemption-gst-all-individual-life-insurance-and-health-insurance-policiesTier A · Regulator / court / filed document · Published 2025-10-01 · Accessed 2026-08-18