At its core, the Pradhan Mantri Jan Arogya Yojana was designed to provide universal health coverage and reduce out‑of‑pocket expenses that push vulnerable families into debt. However, delays in hospital payments and other hurdles have undermined its intent. Reports highlight fake claims, inflated billing, unnecessary procedures, and duplicate entries, exposing loopholes that weaken trust in the programme. The scale of Ayushman Bharat is undeniably vast—millions of admissions approved, thousands of hospitals empanelled, and crores of cards issued. But intent and scale alone are not enough. This video explores the cracks within India’s largest government‑funded health insurance initiative.