The Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) offers a standard health insurance cover of Rs 5 lakh per family per year. Recently, the scheme has been expanded for families with senior citizens aged 70 and above, who can now get an additional top-up health cover of Rs 5 lakh, effectively doubling the total health coverage to Rs 10 lakh per year