evidence: Pradhan Mantri Suraksha Bima Yojana (PMSBY) though provides accidental death and disability cover at a yearly premium of 12 per annum per member; it gets terminated on the attainment of 70 years of age when the need for such an insurance cover becomes much more significant. In a private sector, health insurance is available at a high premium and not a feasible option in a rural area.[8] The Pradhan Mantri Jan Arogya Yojana (PMJAY), announced in September 2018, provides an insurance cover of Indian National Rupees (INR) 5 lacs per below poverty line (BPL) family. Many states, including Karnataka, have opted to implement the scheme.[9]