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Government hospitals: Where GLP-1s are available via tenders, they may be dispensed free or at heavily subsidised rates to selected high-risk patients, though this is still limited and uneven across states.[9] 4.3 Government Schemes and Insurance Ayushman Bharat (AB-PMJAY): As per recent parliamentary responses, there is currently no wide-scale inclusion of GLP-1 receptor agonists under AB-PMJAY packages.[5] State schemes: A few better-resourced state programmes and teaching institutions may provide GLP-1s to high-risk diabetes patients through special budgets or pilot projects, but this is not yet mainstream.[9] Private insurance: Most retail health insurance still focuses on hospitalisation, not long-term outpatient medicines