The Union government has expanded its Ayushman Bharat PM-JAY health insurance scheme to cover all senior citizens aged 70 and above, regardless of income. This provides free annual health coverage of Rs 5 lakh to approximately six crore senior citizens. While this is a significant step, the scheme has its limitations. As seniors consider their healthcare options, they must weigh the benefits and drawbacks of this free government health insurance to make informed decisions.

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