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Ayushman Bharat scheme: Why senior citizens over 70 need separate health insurance covers despite PM-JAY

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Ayushman Bharat scheme: Why senior citizens over 70 need separate health insurance covers despite PM-JAY

The government of India has extended the Ayushman Bharat-PM-JAY health insurance scheme to include senior citizens over the age of 70, regardless of income levels. While this move is seen as a boon for those who cannot afford or obtain health insurance due to pre-existing conditions, it is not meant to replace independent health covers. The government's scheme may have limitations, such as treatment being limited to empanelled hospitals and long waiting times, whereas independent covers offer higher coverage limits and access to a wider range of treatments. Therefore, it is advisable for senior citizens to maintain their independent health insurance policies in addition to the government scheme.

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