## **Core Concept**
The universal health insurance scheme aims to provide health coverage to a wide population, ensuring financial protection against health-related expenses. The age limit for such schemes can vary but often has an upper limit to manage risks and costs.

## **Why the Correct Answer is Right**
The correct answer, , indicates that individuals up to the age of 65 years can enroll in the universal health insurance scheme. This age limit helps in balancing the risk pool by including a broad range of ages while mitigating the higher healthcare costs associated with the elderly.

## **Why Each Wrong Option is Incorrect**
- **Option A:** . This option suggests a lower age limit, which might not be practical for a universal health insurance scheme aiming to cover a broad population.
- **Option B:** . This option suggests an even higher age limit, which could increase the financial risk for the insurance provider.
- **Option D:** . This option suggests a much lower age limit, which would not align with the goals of a universal health insurance scheme.

## **Clinical Pearl / High-Yield Fact**
A key point to remember is that health insurance schemes, especially universal ones, are designed to spread risk across a large population. The age limit for enrollment is crucial in determining the scheme's sustainability and accessibility.

## **Correct Answer:** . 65 years.