Q38: Scenario: Mr. Das (aged 72) and Mrs. Das (aged 68) belong to a family already covered under the standard Ayushman Bharat PM-JAY scheme. Following the 2026 guidelines, how is the health cover structured for them?

The family gets a single shared float of Rupees 5 Lakh total.

Mr. Das gets a separate exclusive top-up of Rupees 5 Lakh, while Mrs. Das shares the family float.

Both Mr. and Mrs. Das get a separate combined top-up of Rupees 10 Lakh.

Mrs. Das is excluded until she turns 70.

✅ Correct Answer: B

Mr.

Das receives a separate top-up.

The Union Budget 2026-27 mandates that the additional 5 Lakh cover is exclusive to 70+ members.

Mrs.

Das (68) remains in the standard family pool until she turns 70.

This ensures dedicated geriatric care funding.

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