Chugh alleged that the scheme had been deliberately designed to either offer incomplete treatment or force patients to pay heavily from their own pockets. “The central government’s scheme Ayushman Bharat provides genuine, pre-insured protection, but AAP’s MMSBY rests on hollow claims and weak foundations,” he said, addressing a press conference in Chandigarh. Chugh said, “The biggest lie of this Kejriwal-Mann scheme is the promise of Rs 10 lakh health security. The reality is that the scheme provides actual insurance of only Rs 1 lakh per family, while the remaining Rs 9 lakh is left to the mercy of the debt-ridden Punjab government. Where will this Rs 9 lakh come from when the state is already struggling financially?”