A detailed analysis of the Pradhan Mantri Jan Arogya Yojana (PMJAY), the government’s flagship health insurance scheme, has shown that those most vulnerable — whether in terms of states, communities or gender — have not been able to use it as well as the relatively better off.For instance, though Scheduled Castes (SCs) and Schedules Tribes (STs) constitute about 28% of the population, their share...