Preventive Elder Care: India's Fiscal Solution to Ageing Population Health Costs

• India's ageing population is increasing hospital utilization and health insurance risks, shifting disease burden to non-communicable diseases (NCDs) requiring continuous management.
• Ayushman Vay Vandana card for seniors (70+) reported 10.33 lakh hospital admissions worth ₹2,154.37 crores by December 2025, highlighting concentrated costs in hospitalization.
• Preventive elder care, including routine monitoring and medication reminders, is crucial to avoid high-cost emergency admissions and complications.
• Repeated health crises among older family members impact working-age relatives' productivity, making ageing a broader economic issue.
• IRDAI's premium revision cap for senior citizens (10% annual increase) signals rising affordability risks, making preventive care vital to stabilize claims severity.