Lok Sabha Question No. 4811 (UNSTARRED), answered on 2018-03-23
Subject: PMJJBY and PMSBY
Ministry: FINANCE
Asked by: RAJESH PANDEY, POONAMBEN HEMATBHAI MAADAM

## GOVERNMENT OF INDIA MINISTRY OF FINANCE

## DEPARTMENT OF FINANCIAL SERVICES

## LOK SABHA UNSTARRED QUESTION NO. 4811

TO BE ANSWERED ON 23rd March 2018/ Chaitra 2, 1940 (Saka)

## PMJJBY and PMSBY

4811. SHRI RAJESH PANDEY:

## SHRIMATI POONAMBEN MAADAM :

Will the Minister of FINANCE be pleased to state:

- (a) whether  the  Government  has  undertaken  schemes  such  as  Pradhan  Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Pradhan Mantri Suraksha Bima Yojana (PMSBY) to promote insurance coverage including of the accidental insurance coverage and if so, the details and the objectives thereof;
- (b) the  details  of  review  of  the  schemes  made  and  the  challenges  faced  by  the Government in the implementation of the schemes;
- (c) the steps taken by the Government  to overcome  the difficulties in the implementation of the schemes;
- (d) whether there is any improvement in the related indices after the implementation of  the  scheme, if so, the details of distribution of the related indices, State/UTwise; and
- (e) the details of enrolment made under PMJJBY and PMSBY so far along with the percentage  of  beneficiaries  covered  in  these  schemes  compared  to  India's population, State/UT-wise?

## ANSWER

## THE MINISTER OF STATE IN THE MINISTRY OF FINANCE (SHRI SHIV PRATAP SHUKLA)

- (a) Pradhan  Mantri  Jeevan  Jyoti  Bima  Yojana  (PMJJBY)  and  Pradhan  Mantri Suraksha  Bima  Yojana  (PMSBY)  were  launched  on  9th  May,  2015.   The  cover period under these schemes is 1st June of each year to 31st May of subsequent year.  These  schemes  are  offered/administered  through  both  public  and  private sector insurance companies, in tie up with scheduled commercial banks, Regional Rural Banks and Cooperative Banks.

PMJJBY offers a renewable one year term life cover of Rupees Two Lakh to all subscribing  bank  account  holders  in  the  age  group  of  18  to  50  years,  covering death due to any reason, for a premium of Rs.330/- per annum per subscriber, to be  auto  debited  from  subscriber's  bank  account.  Similarly,  PMSBY  offers  a renewable one year accidental death cum disability cover to all subscribing bank account holders in the age group of 18 to 70 years for a premium of Rs.12/- per annum  per  subscriber  to  be  auto  debited  from  subscriber's  bank  account.  The scheme provides a cover of Rs. Two Lakh for accidental death or total permanent disability and Rs One Lakh in case of permanent partial disability.

(b)  and  (c)  PMJJBY  and  PMSBY  provide  insurance  cover  to  common  people, especially poor and the under-privileged sections of the society. The Government as well as the Public Sector Insurance Companies such as Life Insurance Corporation of India (LIC) had organized massive campaign to create awareness amongst large sections  of  population  and  also  carried  outreach  efforts  to  facilitate  access  to  the schemes.  An  exclusive  website  www.jansuraksha.gov.in,  which  hosts  all  relevant material / information including forms, rules etc. related to this scheme in English, Hindi  and  regional  languages,  was  created.  The  progress  of  settlement  of  claims under  the  schemes  is  monitored  regularly  by  the  Government.  Any  complaints  in respect  of  the  schemes  are  dealt  in  coordination  with  banks  and  insurance companies in getting it resolved expeditiously.

(d) and (e) The details are given in Annexure .

**********

| No   | Name of State / UT             | PMJJBY            | PMJJBY                 | PMJJBY                            | PMSBY            | PMSBY                  | PMSBY                             |
|------|--------------------------------|-------------------|------------------------|-----------------------------------|------------------|------------------------|-----------------------------------|
|      |                                | PMJJBY Enrolments | Claim Settlement Ratio | Percentage to eligible population | PMSBY Enrolments | Claim Settlement Ratio | Percentage to eligible population |
| 1    | ANDAMAN AND NICOBAR ISLANDS    | 13,417            | 100.00%                | 6.12%                             | 25,939           | N/A                    | 9.64%                             |
| 2    | ANDHRA PRADESH $$              | 180,40,161        | 94.35%                 | 5.39%                             | 267,94,786       | 95.45%                 | 17.70%                            |
| 3    | ARUNACHAL PRADESH              | 33,871            | 94.67%                 | 5.87%                             | 54,557           | N/A                    | 8.28%                             |
| 4    | ASSAM                          | 5,84,825          | 98.01%                 | 3.88%                             | 15,42,341        | 91.67%                 | 8.24%                             |
| 5    | BIHAR                          | 12,66,498         | 93.74%                 | 3.65%                             | 44,35,787        | 95.21%                 | 9.97%                             |
| 6    | CHANDIGARH                     | 49,270            | 93.33%                 | 4.66%                             | 1,80,897         | 91.84%                 | 13.38%                            |
| 7    | CHHATTISGARH                   | 11,20,568         | 96.43%                 | 9.32%                             | 48,78,782        | 93.16%                 | 32.42%                            |
| 8    | DADRA AND NAGAR HAVELI         | 18,100            | 96.88%                 | 5.56%                             | 38,729           | 100.00%                | 10.59%                            |
| 9    | DAMAN AND DIU                  | 13,611            | 100.00%                | 7.16%                             | 30,015           | N/A                    | 13.91%                            |
| 10   | GOA                            | 1,13,053          | 97.77%                 | 6.64%                             | 2,34,179         | 96.83%                 | 11.00%                            |
| 11   | GUJARAT                        | 21,42,005         | 92.47%                 | 7.34%                             | 50,85,989        | 95.77%                 | 13.66%                            |
| 12   | HARYANA                        | 8,03,608          | 94.49%                 | 5.25%                             | 27,16,634        | 91.49%                 | 13.59%                            |
| 13   | HIMACHAL PRADESH               | 2,44,435          | 96.70%                 | 7.57%                             | 9,70,141         | 91.89%                 | 22.04%                            |
| 14   | JAMMU AND KASHMIR              | 2,62,659          | 98.08%                 | 3.33%                             | 6,06,542         | 97.73%                 | 8.38%                             |
| 15   | JHARKHAND                      | 4,39,311          | 96.75%                 | 3.17%                             | 17,33,879        | 95.30%                 | 10.97%                            |
| 16   | KARNATAKA                      | 29,02,855         | 98.50%                 | 8.60%                             | 63,87,312        | 95.79%                 | 14.82%                            |
| 17   | KERALA                         | 7,59,384          | 97.89%                 | 5.35%                             | 36,73,381        | 97.02%                 | 18.02%                            |
| 18   | LAKSHADWEEP                    | 1,147             | N/A                    | 2.95%                             | 4,510            | N/A                    | 9.73%                             |
| 19   | MADHYA PRADESH                 | 18,22,529         | 96.59%                 | 5.08%                             | 74,07,563        | 95.33%                 | 17.42%                            |
| 20   | MAHARASHTRA                    | 34,49,919         | 95.82%                 | 6.07%                             | 80,03,951        | 95.22%                 | 11.39%                            |
| 21   | MANIPUR                        | 30,031            | 97.87%                 | 2.75%                             | 87,690           | 100.00%                | 6.09%                             |
| 22   | MEGHALAYA                      | 36,681            | 89.86%                 | 3.41%                             | 77,784           | 66.67%                 | 5.98%                             |
| 23   | MIZORAM                        | 46,453            | 98.78%                 | 7.47%                             | 72,568           | 100.00%                | 9.70%                             |
| 24   | NAGALAND                       | 19,076            | 96.36%                 | 3.51%                             | 48,569           | N/A                    | 7.45%                             |
| 25   | DELHI                          | 8,74,887          | 94.65%                 | 5.89%                             | 22,21,327        | 95.47%                 | 11.47%                            |
| 26   | ODISHA                         | 9,18,132          | 96.69%                 | 4.36%                             | 35,93,515        | 94.77%                 | 13.89%                            |
| 27   | PUDUCHERRY                     | 64,443            | 96.00%                 | 7.83%                             | 1,93,922         | 94.87%                 | 17.97%                            |
| 28   | PUNJAB                         | 6,04,813          | 96.51%                 | 4.28%                             | 32,88,932        | 94.05%                 | 17.38%                            |
| 29   | RAJASTHAN                      | 13,45,160         | 89.33%                 | 5.07%                             | 47,74,162        | 94.59%                 | 13.88%                            |
| 30   | SIKKIM                         | 26,355            | 100.00%                | 6.51%                             | 46,679           | 75.00%                 | 9.32%                             |
| 31   | TAMIL NADU                     | 23,26,177         | 97.35%                 | 5.06%                             | 68,65,370        | 92.97%                 | 11.50%                            |
| 32   | TELENGANA                      | 16,78,284         | 96.21%                 | 6.44%                             | 55,26,435        | 98.17%                 | 16.35%                            |
| 33   | TRIPURA                        | 99,101            | 83.62%                 | 4.45%                             | 3,11,420         | 90.00%                 | 10.85%                            |
| 34   | UTTAR PRADESH                  | 31,63,381         | 93.11%                 | 3.50%                             | 116,66,598       | 94.76%                 | 10.33%                            |
| 35   | UTTARAKHAND                    | 3,30,352          | 93.02%                 | 5.12%                             | 12,93,280        | 95.60%                 | 16.25%                            |
| 36   | WEST BENGAL                    | 12,51,194         | 97.18%                 | 2.80%                             | 55,91,359        | 86.77%                 | 9.74%                             |
| 37   | Others & Non-CBS Enrolments ** | 61,08,451         |                        |                                   | 136,27,812       |                        |                                   |
|      | Grand Total                    | 530,04,197        | 95.13%                 | 5.05%                             | 1340,93,336      | 94.62%                 | 13.20%                            |

** Beneficiaries converged from Ministry of Textiles, Women & Child Development, MSME and Department of Animal Husbandry, Dairy and Fisheries from their respective erstwhile Insurance schemes.  Non-CBS  enrolments  pertain  to  urban  cooperative  bank  subscribers  which  were  not migrated to CBS system.

$$  includes  1.65  crore  and  1.99  crore  beneficiaries  which  have  been  converged  from  AABY  to PMJJBY and PMSBY respectively in the state of Andhra Pradesh