Ayushman Bharat PM-JAY: The central government has expanded the Ayushman Bharat PM-JAY scheme to cover all senior citizens aged 70 and above, regardless of income. This scheme offers free health insurance up to Rs 5 lakh per year. However, it has limitations like restricted network hospitals and limited coverage. Senior citizens should carefully consider these factors before relying solely on PM-JAY for their healthcare needs.

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