Government Policies

Over the years, the Government has formulated and actioned various schemes and policies for older persons that are aimed to improve the health, well-being and independence of senior citizens around the country. Several initiatives including the employees' provident fund scheme and the employee pension scheme for employees in the central and state government sectors were undertaken. In 1969, the public provident fund (PPF) scheme was introduced for those in the private sector as well as for the self-employed. In this section we have attempted to focus on the significant policies launched in the post-independence era.

Integrated Programme for Older Persons (IPOP)

Launched by the Ministry of Social Justice & Empowerment in 1992 this scheme provides basic amenities like shelter, food, medical care to boost meaningful and active ageing. The scheme was revised in 2008.

National Rural Health Mission (NRHM)

The Ministry of Health and Family Welfare, the National Rural Health Mission (NRHM) aimed to provide accessible, reasonable and quality health services in villages with a special importance on elderly care. The NRHM has been quite successful in achieving several goals it had envisioned.

Maintenance and Welfare of Parents and Senior Citizen Act 2007

Aimed to ensure need based maintenance for parents and senior citizens, and protection of rights and welfare from their children. It contains penal provisions for the abandonment of senior citizens.

National Programme for the Health Care for the Elderly (NPHCE)

For providing promotional, preventive, curative and rehabilitative services to the elderly persons at various levels of healthcare services chain.

Indira Gandhi National Old Age Pension Scheme (IGNOAPS)

Launched in 2007 by the Ministry of Rural Development, IGNOAPS covers individuals who are 65 years or above and belong to the 'Below Poverty Level' families.

Rashtriya Swasthya Bima Yojana (RSBY) or National Health Insurance Programme

The scheme provides health insurance cover of INR 30,000 per annum (including INR 1,000 towards transportation expenses) for five members of a 'Below Poverty Level' family. The elderly population is also covered under the scheme.

Pension Fund Regulatory and Development Authority (PFRDA) and National Pension Scheme (NPS)

The PFRDA was introduced by the Government in 2003 with an objective to develop and regulate the system of pensions in India. Further, the Government introduced the NPS in 2004 to provide retirement income to all the citizens. Additionally, the Central Government launched a co-contributory pension scheme for people from unorganised sector, 'Swavalamban' in 2010-11.

For more information on insurance, visit the National Portal of India.