available in 145 ESI hospitals and 42 hospital annexes with a total of 19,387 beds. In addition, several state government hospitals also have beds for the exclusive use of ESI Beneficiaries. Cash benefits can be availed in any of 830 ESI centres throughout India. National Health Protection Scheme While people working in the organised sector either get health insurance through the Ayushman Bharat Yojana or the Employees' State Insurance. Ayushman Bharat Yojana also provides coverage to the poor and people working in the unorganised sector. These two are public health insurance funds that has coverage that includes 3 days of pre-hospitalisation and 15 days of post-hospitalisation expenses. Moreover, around 1,400 procedures with all related costs like OT expenses are taken care of. This public health insurance is fully tax-payer funded and the entire premium is borne by the centre and the states in a 60:40 share. The program is estimated to cost the government by 2026, highlighting one of the few social security scheme that is not undergoing a budget cut. All in all, PMJAY and the e-card provide a coverage of Rs. 5 lakh ($6860) per family, per year, thus helping the economically vulnerable obtain easy access to healthcare services for free even for expensive procedures. Atal Pension Yojna It is a voluntary basic supplementary pension scheme, mostly intended for people surviving on mini-jobs, short-terms contracts or daily-wage earners. It is open to all saving bank/post office saving bank account holders in the age group of 18 to 40 years and the contributions differ, based on pension amount chosen. Subscribers would receive the guaranteed minimum monthly pension of Rs. 1,000 or Rs. 2,000 or Rs. 3,000 or Rs. 4,000 or Rs. 5,000 at the age of 60 years. Under APY, the monthly pension would be available to the subscriber, and after him to his spouse and after their death, the pension corpus, as accumulated at age 60 of the subscriber, would be returned to the nominee of the subscriber. The minimum pension would be guaranteed by the Government, i.e., if the accumulated corpus based on contributions earns a lower than estimated return on investment and is inadequate to provide the minimum guaranteed pension, the Central Government would fund such inadequacy from the general budget. Alternatively, if the returns on investment are higher, the subscribers would get enhanced pensionary benefits. Maternity Benefits According to The Code on Social Security, 2020,