Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (PM-JAY) has significantly expanded access to healthcare services for millions of beneficiaries who were previously excluded due to financial constraints. Critically examine its performance.

8. Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (PM-JAY) has significantly expanded access to healthcare services for millions of beneficiaries who were previously excluded due to financial constraints. Critically examine its performance.