Lok Sabha Question No. 4343 (UNSTARRED), answered on 2017-08-11
Subject: Repricing of Social Security Schemes
Ministry: FINANCE
Asked by: PRITAM GOPINATH MUNDE, VINAYAK BHAURAO RAUT, DHARMENDRA YADAV, ANANDRAO  ADSUL, SHRIKANT EKNATH SHINDE, SHIVAJI ADHALRAO PATIL, Shrirang Appa Barne, OM BIRLA

## GOVERNMENT OF INDIA

## MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES

## LOK SABHA

## UNSTARRED QUESTION NO. 4343

TO BE ANSWERED ON 11 th  August, 2017/Shravana 20, 1939 (Saka)

Repricing of Social Security Schemes

4343. DR. PRITAM GOPINATH MUNDE:          DR. SHRIKANT EKNATH SHINDE:

SHRI VINAYAK BHAURAO RAUT:                    SHRI ADHALRAO PATIL SHIVAJIRAO: SHRI DHARMENDRA YADAV:                          SHRI SHRIRANG APPA BARNE:

SHRI ANANDRAO ADSUL:                                SHRI OM BIRLA:

Will the Minister of FINANCE be pleased to state:

- (a) the  details  of  claim-to-premium  ratio  of  the  Pradhan  Mantri  Jeevan  Jyoti  Bima Yojana (PMJJBY) and Pradhan Mantri Suraksha Bima Yojana (PMSBY) along with  the  percentage  of  coverage  since  inception  of  these  schemes,  State/UT/ scheme-wise;
- (b) whether  insurance  companies  have  requested  the  Government  to  reprice  the schemes;
- (c) if so, the details thereof and the action taken by the Government thereon;
- (d) whether  the  Government  has  also  received  complaints  against  banks  for  noncooperation in the implementation of above said schemes; and
- (e) if so, the details thereof and the action taken by the Government thereon?

## ANSWER

## THE MINISTER OF STATE IN THE MINISTRY OF FINANCE (SHRI SANTOSH KUMAR GANGWAR)

- (a): For the period up to 31.05.2017, claim to premium ratio for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) is 83.85% and for Pradhan Mantri Suraksha Bima Yojana (PMSBY) it is 115.57%. The State-wise coverage under both the schemes is given in Annexure.
- (b)  &  (c):  No  such  request  has  been  received  from  insurance  companies  regarding repricing of the said schemes.
- (d)  &  (e):  No  complaint  has  been  received  against  banks  for  non-cooperation  in  the implementation  of  above  said  schemes.  Banks  are  spreading  awareness  through financial  literacy  events  by  organizing  camps  and  special  outreach  efforts  to  facilitate access to the schemes. Banners displaying features of the schemes were also installed at bank branches.

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| Annexure referred to in reply to Lok Sabha Un-Starred Question No. 4343 for 11/08/2017                                                    | Annexure referred to in reply to Lok Sabha Un-Starred Question No. 4343 for 11/08/2017                                                    | Annexure referred to in reply to Lok Sabha Un-Starred Question No. 4343 for 11/08/2017                                                    | Annexure referred to in reply to Lok Sabha Un-Starred Question No. 4343 for 11/08/2017                                                    | Annexure referred to in reply to Lok Sabha Un-Starred Question No. 4343 for 11/08/2017                                                    | Annexure referred to in reply to Lok Sabha Un-Starred Question No. 4343 for 11/08/2017                                                    |
|-------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------|
| State-Wise coverage for Pradhan Mantri Suraksha Bima Yojana (PMSBY) and Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) as on 30/04/2017 | State-Wise coverage for Pradhan Mantri Suraksha Bima Yojana (PMSBY) and Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) as on 30/04/2017 | State-Wise coverage for Pradhan Mantri Suraksha Bima Yojana (PMSBY) and Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) as on 30/04/2017 | State-Wise coverage for Pradhan Mantri Suraksha Bima Yojana (PMSBY) and Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) as on 30/04/2017 | State-Wise coverage for Pradhan Mantri Suraksha Bima Yojana (PMSBY) and Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) as on 30/04/2017 | State-Wise coverage for Pradhan Mantri Suraksha Bima Yojana (PMSBY) and Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) as on 30/04/2017 |
| NO                                                                                                                                        | State                                                                                                                                     | PMSBY                                                                                                                                     | Percentage                                                                                                                                | PMJJBY                                                                                                                                    | Percentage                                                                                                                                |
| 01                                                                                                                                        | CHHATTISGARH                                                                                                                              | 4754329                                                                                                                                   | 31.59%                                                                                                                                    | 943522                                                                                                                                    | 7.85%                                                                                                                                     |
| 02                                                                                                                                        | HIMACHAL PRADESH                                                                                                                          | 836748                                                                                                                                    | 19.01%                                                                                                                                    | 230831                                                                                                                                    | 7.15%                                                                                                                                     |
| 03                                                                                                                                        | ANDHRA PRADESH                                                                                                                            | 7339306                                                                                                                                   | 18.84%                                                                                                                                    | 1508096                                                                                                                                   | 5.28%                                                                                                                                     |
| 04                                                                                                                                        | KERALA                                                                                                                                    | 3539226                                                                                                                                   | 17.37%                                                                                                                                    | 745853                                                                                                                                    | 5.26%                                                                                                                                     |
| 05                                                                                                                                        | MADHYA PRADESH                                                                                                                            | 7216344                                                                                                                                   | 16.97%                                                                                                                                    | 1807175                                                                                                                                   | 5.04%                                                                                                                                     |
| 06                                                                                                                                        | NCT OF DELHI                                                                                                                              | 3173411                                                                                                                                   | 16.39%                                                                                                                                    | 964970                                                                                                                                    | 6.49%                                                                                                                                     |
| 07                                                                                                                                        | TELANGANA                                                                                                                                 | 5469272                                                                                                                                   | 16.18%                                                                                                                                    | 1665318                                                                                                                                   | 6.39%                                                                                                                                     |
| 08                                                                                                                                        | PUNJAB                                                                                                                                    | 3034314                                                                                                                                   | 16.04%                                                                                                                                    | 555098                                                                                                                                    | 3.93%                                                                                                                                     |
| 09                                                                                                                                        | PUDUCHERRY                                                                                                                                | 162601                                                                                                                                    | 15.07%                                                                                                                                    | 59712                                                                                                                                     | 7.26%                                                                                                                                     |
| 10                                                                                                                                        | UTTARAKHAND                                                                                                                               | 1140011                                                                                                                                   | 14.32%                                                                                                                                    | 314586                                                                                                                                    | 4.88%                                                                                                                                     |
| 11                                                                                                                                        | KARNATAKA                                                                                                                                 | 6105991                                                                                                                                   | 14.17%                                                                                                                                    | 2755236                                                                                                                                   | 8.16%                                                                                                                                     |
| 12                                                                                                                                        | ORISSA                                                                                                                                    | 3305163                                                                                                                                   | 12.78%                                                                                                                                    | 802015                                                                                                                                    | 3.81%                                                                                                                                     |
| 13                                                                                                                                        | HARYANA                                                                                                                                   | 2502226                                                                                                                                   | 12.51%                                                                                                                                    | 761947                                                                                                                                    | 4.98%                                                                                                                                     |
| 14                                                                                                                                        | GUJARAT                                                                                                                                   | 4553099                                                                                                                                   | 12.23%                                                                                                                                    | 1961083                                                                                                                                   | 6.72%                                                                                                                                     |
| 15                                                                                                                                        | RAJASTHAN                                                                                                                                 | 4201056                                                                                                                                   | 12.22%                                                                                                                                    | 1147436                                                                                                                                   | 4.33%                                                                                                                                     |
| 16                                                                                                                                        | LAKSHADWEEP                                                                                                                               | 5657                                                                                                                                      | 12.20%                                                                                                                                    | 1097                                                                                                                                      | 2.82%                                                                                                                                     |
| 17                                                                                                                                        | CHANDIGARH                                                                                                                                | 161792                                                                                                                                    | 11.96%                                                                                                                                    | 46541                                                                                                                                     | 4.40%                                                                                                                                     |
| 18                                                                                                                                        | TAMIL NADU                                                                                                                                | 6611762                                                                                                                                   | 11.08%                                                                                                                                    | 2254422                                                                                                                                   | 4.90%                                                                                                                                     |
| 19                                                                                                                                        | MAHARASHTRA                                                                                                                               | 7615780                                                                                                                                   | 10.84%                                                                                                                                    | 3321549                                                                                                                                   | 5.84%                                                                                                                                     |
| 20                                                                                                                                        | GOA                                                                                                                                       | 223823                                                                                                                                    | 10.51%                                                                                                                                    | 108471                                                                                                                                    | 6.37%                                                                                                                                     |
| 21                                                                                                                                        | JHARKHAND                                                                                                                                 | 1620602                                                                                                                                   | 10.25%                                                                                                                                    | 411806                                                                                                                                    | 2.97%                                                                                                                                     |
| 22                                                                                                                                        | TRIPURA                                                                                                                                   | 292760                                                                                                                                    | 10.20%                                                                                                                                    | 79389                                                                                                                                     | 3.56%                                                                                                                                     |
| 23                                                                                                                                        | BIHAR                                                                                                                                     | 4310564                                                                                                                                   | 9.69%                                                                                                                                     | 1168000                                                                                                                                   | 3.36%                                                                                                                                     |
| 24                                                                                                                                        | UTTAR PRADESH                                                                                                                             | 10337563                                                                                                                                  | 9.16%                                                                                                                                     | 2969119                                                                                                                                   | 3.28%                                                                                                                                     |
| 25                                                                                                                                        | WEST BENGAL                                                                                                                               | 5238207                                                                                                                                   | 9.12%                                                                                                                                     | 1156782                                                                                                                                   | 2.59%                                                                                                                                     |
| 26                                                                                                                                        | DAMAN & DIU                                                                                                                               | 19558                                                                                                                                     | 9.07%                                                                                                                                     | 9982                                                                                                                                      | 5.25%                                                                                                                                     |
| 27                                                                                                                                        | DADRA & NAGAR HAVELI                                                                                                                      | 31809                                                                                                                                     | 8.70%                                                                                                                                     | 15556                                                                                                                                     | 4.78%                                                                                                                                     |
| 28                                                                                                                                        | ANDAMAN & NICOBAR ISLANDS                                                                                                                 | 23270                                                                                                                                     | 8.64%                                                                                                                                     | 11483                                                                                                                                     | 5.24%                                                                                                                                     |
| 29                                                                                                                                        | MIZORAM                                                                                                                                   | 64585                                                                                                                                     | 8.64%                                                                                                                                     | 37719                                                                                                                                     | 6.07%                                                                                                                                     |
| 30                                                                                                                                        | SIKKIM                                                                                                                                    | 43068                                                                                                                                     | 8.60%                                                                                                                                     | 23668                                                                                                                                     | 5.84%                                                                                                                                     |
| 31                                                                                                                                        | ASSAM                                                                                                                                     | 1450961                                                                                                                                   | 7.75%                                                                                                                                     | 520518                                                                                                                                    | 3.45%                                                                                                                                     |
| 32                                                                                                                                        | JAMMU & KASHMIR                                                                                                                           | 554770                                                                                                                                    | 7.67%                                                                                                                                     | 246518                                                                                                                                    | 3.13%                                                                                                                                     |
| 33                                                                                                                                        | ARUNACHAL PRADESH                                                                                                                         | 48576                                                                                                                                     | 7.38%                                                                                                                                     | 30725                                                                                                                                     | 5.33%                                                                                                                                     |
| 34                                                                                                                                        | NAGALAND                                                                                                                                  | 45618                                                                                                                                     | 7.00%                                                                                                                                     | 18287                                                                                                                                     | 3.36%                                                                                                                                     |
| 35                                                                                                                                        | MANIPUR                                                                                                                                   | 78270                                                                                                                                     | 5.44%                                                                                                                                     | 26933                                                                                                                                     | 2.47%                                                                                                                                     |
| 36                                                                                                                                        | MEGHALAYA                                                                                                                                 | 62287                                                                                                                                     | 4.79%                                                                                                                                     | 28667                                                                                                                                     | 2.66%                                                                                                                                     |
|                                                                                                                                           | TOTAL                                                                                                                                     | 96174379                                                                                                                                  | 12.62%                                                                                                                                    | 28710110                                                                                                                                  | 4.77%                                                                                                                                     |

Coverage is based on the ratio of actual enrollments and eligible account holders as reported by the Banks