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How can we help your parents today?
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Emergency Tools
Health & Hospital
Save up to 70% on Medicines
PM Jan Aushadhi Scheme
Get WHO-standard generic drugs at a fraction of the cost.
Digital Health ID (ABHA)
Create or access your ABHA number to store lab reports and prescriptions digitally.
Official Portal: abha.abdm.gov.in
Money & Schemes
Free ₹5 Lakh Health Cover
Ayushman Vaya Vandana (70+)
Every Indian citizen aged 70 or above is now eligible for ₹5 Lakhs annual health cover, regardless of income or status.
- ✅Middle Class Eligible: Even if you have private insurance or CGHS/ECHS, you get this as a top-up buffer.
- ✅No Waiting Period: Pre-existing diseases are covered from Day 1.
NRIs: Use your parents' Aadhaar-linked mobile to register them online.
🖋️ Life Certificate (Jeevan Pramaan)
Due Every November
Pensioners must submit a Digital Life Certificate every year to ensure their pension continues without interruption.
Face ID Troubleshooting (Error Fixes):
- ☀️ Light: Sit facing a window. Overhead bulbs cause shadows that fail the scan.
- 😐 Neutral: Keep a "Passport Face." No smiling, no teeth, no glasses.
- 👁️ The Blink: The app only captures when you blink once. Keep eyes open, then blink when prompted.
Works for Civil, Defence, and Railway Pensioners.
💰 Monthly Income (SCSS)
Safe & Guaranteed
The Senior Citizen Savings Scheme (SCSS) is the safest way to turn savings into a "Monthly Salary."
| Deposit | Annual Interest |
|---|---|
| ₹10 Lakhs | ₹82,000 |
| ₹20 Lakhs | ₹1,64,000 |
| ₹30 Lakhs (Max) | ₹2,46,000 |
*Calculated at 8.2% p.a. Interest is paid quarterly on the 1st of April, July, October, and January.
🌏 NRI Yield Bridge (2026)
Move funds from your NRO/NRE to your parent's SCSS to optimize interest.
Transparency Check:
- ⚖️ TDS: 10% tax is cut if annual interest > ₹50,000. Submit Form 15H if parent has no other income.
- 🔒 Locked: Unlike FDs, SCSS is a 5-year commitment. Premature exit has a 1-1.5% penalty.
- 🎁 Gift Rules: Transfers to parents are tax-free "Gifts." Keep a simple letter of declaration ready.
Senior Citizen ID Card
Access National Benefits
The official ID card that unlocks concessions in transport, healthcare, and higher bank interest rates.
- 🔹 Medical: Priority queues & discounted treatment in Govt hospitals.
- 🔹 Travel: Easier identification for rail & air concessions.
- 🔹 Banking: Helps in verifying eligibility for "Senior Citizen" fixed deposit rates.
NRIs: You can fill the form online for your parents. You will need their Aadhaar and a photo.
Defence Corner
Legal & Dignity
Your Legal Rights
The 2007 Maintenance Act
Under Indian Law, seniors have a legal right to maintenance (food, clothing, housing, and medical care) from their children or heirs.
For NRIs: This law applies even if you live abroad. Use this toolkit to ensure you are meeting all "Welfare" requirements (Health, Safety, and Food).
Well-being & Info
Jai Hind Emergency Directory
National Helpline
112
All-in-one Emergency (Police, Fire, Medical)
Elder Line
14567
Abuse, legal aid, or pension queries.
Ambulance
102 / 108
Free Government Ambulance Services.
Keep these numbers saved on Speed Dial.