The promise - and paradox - of “affordable” healthcare India has made real progress toward universal health coverage.Through Ayushman Bharat–Pradhan Mantri Jan Arogya Yojana (PM-JAY), more than 55 crore citizens now have government-backed protection, while private insurance is slowly expanding. Yet when a medical emergency strikes, cash still comes first.Hospitals demand deposits. Insurance claims take time. Key expenses, such as diagnostics, implants, or post-surgery medicines, often fall outside policy limits. The result? Patients delay or downsize treatment not because care is unavailable, but because liquidity is missing.That is where Arogya Finance steps in, giving families immediate access to online medical...