It was tough,” he added.Efforts to contact officials of the National Insurance Company were in vain. The insurance refund could be used for this purpose. As per the MoU between the state and the National Insurance Company, the latter is supposed to carry out IEC work after consulting the MJPJAY society. But this wasn’t done, said Dr Shinde.The society worked out that Rs 64 crore meant for IEC over six years hadn’t been used. While MJPJAY covers operations of up to Rs 1.5 lakh, the central Ayushman Bharat offers a Rs 5 lakh cover..