Retain costly health policy or use PMJAY coverage? Seniors have a tough choice

A 70-year-old retiree faces a dilemma over renewing his ₹73,000 health insurance policy or relying on the government's Ayushman Bharat scheme, which offers ₹5 lakh free coverage for seniors. There are many such cases. Rising private insurance premiums and limitations of government schemes are troubling many senior citizens across India.
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