Lok Sabha Question No. 1879 (UNSTARRED), answered on 2023-03-13
Subject: Pradhan Mantri Bima Yojana
Ministry: FINANCE
Asked by: Arun Kumar Sagar, Ashok Kumar Rawat, Vinayak Bhaurao Raut

## GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES

## LOK SABHA UNSTARRED QUESTION NO. 1879

ANSWERED ON - 13.3.2023

## PRADHAN MANTRI BIMA YOJANA

1879. SHRI ARUN KUMAR SAGAR:

SHRI ASHOK KUMAR RAWAT:

SHRI VINAYAK RAUT:

Will the Minister of FINANCE be pleased to state:

- (a) whether the Government has launched the Pradhan Mantri Jeevan Jyoti Bima Yojana, Pradhan  Mantri  Suraksha  Bima  Yojana,  Pradhan  Mantri  Jan  Dhan  Yojana  and  Atal Pension Yojana;
- (b) if so, the details thereof;
- (c) the number of claims approved under the said insurance schemes so far, scheme-wise and  State-wise  including  Mishrikh  and  Shahjahanpur  Parliamentary  constituencies  in Uttar Pradesh and Maharashtra;
- (d) whether the Government proposes to increase the amount of instalments for insurance cover after appraisal of the said schemes, if so, the details thereof;
- (e) whether workers of unorganised sector including domestic workers are getting benefits under the said schemes, if so, the details thereof; and
- (f)  whether the Government is implementing various social security schemes for domestic workers and if so, the details thereof?

## ANSWER

## THE MINISTER OF STATE IN THE MINISTRY OF FINANCE (DR. BHAGWAT KARAD)

(a) to (f): For creating a universal social security system for all Indians, especially the poor and the under-privileged the Hon'ble Prime Minister launched Social Security Schemes; namely Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY) and Atal Pension Yojana (APY) on pan India basis on the 9th of May, 2015.

PMJJBY: The  scheme  provides  renewable  one-year  term  life  cover  of  Rs.2  lakh  to  all subscribing bank account holders in the age group of 18 to 50 years, covering death due to any reason, at an annual premium of Rs. 436/- per subscriber.

To facilitate all those getting enrolled under PMJJBY for the first time during the middle of the policy period i.e. 1 st  June to 31 st  May, payment of pro-rata premium is allowed at a lower premium.

PMSBY: The Scheme provides renewable one-year accidental cover of Rs.2 lakh (death or permanent total disability) and Rs. 1 lakh (permanent partial disability) to all subscribing bank account holders in the age group of 18 to 70 years at an annual premium of Rs. 20/per subscriber.

A review of the performance of the schemes since their start was undertaken and in view of adverse  claim  experience  of  the  PMJJBY  and  PMSBY,  premium  rates  per  annum  per subscriber have been revised from Rs. 330/- to Rs. 436/- for PMJJBY and from Rs. 12/- to Rs. 20/- for PMSBY.

The number of claims paid under the insurance schemes, namely, PMJJBY and PMSBY as on 22.2.2023, State-wise across the country and in Sitapur and Shahjahanpur districts in Uttar Pradesh, are at Annexure.

Atal Pension Yojana (APY): The scheme is open to all citizens of India between 18-40 years of age having a savings bank account in a bank or post-office. For better targeting of guaranteed pension to unorganised sector workers, an income tax payer shall not be eligible to  join  APY  from  1st  October,  2022.  The  subscriber  under  APY  is  required  to  make  a monthly/quarterly/six  monthly  contribution  of  an  amount  determined  by  the  amount  of pension  chosen  and  the  age  of  joining  the  scheme.  The  subscriber  shall  receive  a government guaranteed minimum pension of Rs. 1000 per month, Rs. 2000 per month, Rs. 3000 per month, Rs. 4000 per month or Rs. 5000 per month, after the age of 60 years until death, depending on the contribution chosen.

Pradhan  Mantri  Jan  Dhan  Yojana  (PMJDY) :  The  Government  initiated  the  National Mission for Financial Inclusion namely, PMJDY in August, 2014 to provide universal banking services  for  every  unbanked  household,  based  on  the  guiding  principles  of  banking  the unbanked,  securing  the  unsecured,  funding  the  unfunded  and  serving  unserved  and underserved areas.

In order to give impetus to financial inclusion initiatives of the Government, PMJDY was extended beyond 14.08.2018 with the focus on opening of accounts shifting from 'every household' to 'every unbanked adult'. The Scheme was made more attractive with upward revision  in  (i)  OD  limit  from  Rs.5,000  to  Rs.10,000  and  (ii)  accident  insurance  cover  on RuPay card holders from Rs.1 lakh to Rs.2 lakh. PMJDY has been successful in increasing banking  penetration  and  to  promote  financial  inclusion  across  the  country.  As  on 22.02.2023, a total of 48.20 crore Jan-Dhan accounts have been opened under PMJDY, with a deposit balance of Rs.1,89,837 crore.

These schemes, namely, PMJJBY, PMSBY, APY and PMJDY are universal in nature and open to all eligible persons including workers of unorganized sector and domestic workers.

*****

Annexure referred in the reply to Lok Sabha Unstarred Question No. 1879 dated 13.3.2023 regarding Pradhan Mantri Bima Yojana

Number of claims paid under PMJJBY and PMSBY as on 22.2.2023, State-wise across the country and in Sitapur and Shahjahanpur districts in Uttar Pradesh

| S.                                                                                                                                      | PMJJBY State Name                                                                                                                       | & PMSBY Claims- State Wise as on                                                                                                        | & PMSBY Claims- State Wise as on                                                                                                        | 22.02.2023 PMJJBY PMSBY                                                                                                                 | 22.02.2023 PMJJBY PMSBY                                                                                                                 |
|-----------------------------------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------|
| S.                                                                                                                                      | PMJJBY State Name                                                                                                                       | No. of Claims Paid                                                                                                                      | Amount Paid in Rs. Crore                                                                                                                | No. of Claims Paid                                                                                                                      | Amount Paid in Rs. Crore                                                                                                                |
| 1                                                                                                                                       | Andaman & Nicobar Islands                                                                                                               | 99                                                                                                                                      | 1.98                                                                                                                                    | 9                                                                                                                                       | 0.18                                                                                                                                    |
| 2                                                                                                                                       | Andhra Pradesh                                                                                                                          | 209357                                                                                                                                  | 4187.14                                                                                                                                 | 23443                                                                                                                                   | 468.86                                                                                                                                  |
| 3                                                                                                                                       | Arunachal Pradesh                                                                                                                       | 305                                                                                                                                     | 6.10                                                                                                                                    | 21                                                                                                                                      | 0.42                                                                                                                                    |
| 4                                                                                                                                       | Assam                                                                                                                                   | 8741                                                                                                                                    | 174.82                                                                                                                                  | 617                                                                                                                                     | 12.34                                                                                                                                   |
| 5                                                                                                                                       | Bihar                                                                                                                                   | 17543                                                                                                                                   | 350.86                                                                                                                                  | 1644                                                                                                                                    | 32.88                                                                                                                                   |
| 6                                                                                                                                       | Chandigarh                                                                                                                              | 487                                                                                                                                     | 9.74                                                                                                                                    | 137                                                                                                                                     | 2.74                                                                                                                                    |
| 7                                                                                                                                       | Chhattisgarh                                                                                                                            | 20097                                                                                                                                   | 401.94                                                                                                                                  | 3351                                                                                                                                    | 67.02                                                                                                                                   |
| 8                                                                                                                                       | Dadra & Nagar Haveli                                                                                                                    | 168                                                                                                                                     | 3.36                                                                                                                                    | 16                                                                                                                                      | 0.32                                                                                                                                    |
| 9                                                                                                                                       | Daman & Diu                                                                                                                             | 113                                                                                                                                     | 2.26                                                                                                                                    | 7                                                                                                                                       | 0.14                                                                                                                                    |
| 10                                                                                                                                      | Goa                                                                                                                                     | 762                                                                                                                                     | 15.24                                                                                                                                   | 154                                                                                                                                     | 3.08                                                                                                                                    |
| 11                                                                                                                                      | Gujarat                                                                                                                                 | 39988                                                                                                                                   | 799.76                                                                                                                                  | 4255                                                                                                                                    | 85.1                                                                                                                                    |
| 12                                                                                                                                      | Haryana                                                                                                                                 | 12278                                                                                                                                   | 245.56                                                                                                                                  | 3457                                                                                                                                    | 69.14                                                                                                                                   |
| 13                                                                                                                                      | Himachal Pradesh                                                                                                                        | 3109                                                                                                                                    | 62.18                                                                                                                                   | 1239                                                                                                                                    | 24.78                                                                                                                                   |
| 14                                                                                                                                      | Jammu & Kashmir                                                                                                                         | 1996                                                                                                                                    | 39.92                                                                                                                                   | 150                                                                                                                                     | 3                                                                                                                                       |
| 15                                                                                                                                      | Jharkhand                                                                                                                               | 6708                                                                                                                                    | 134.16                                                                                                                                  | 869                                                                                                                                     | 17.38                                                                                                                                   |
| 16                                                                                                                                      | Karnataka                                                                                                                               | 43363                                                                                                                                   | 867.26                                                                                                                                  | 4999                                                                                                                                    | 99.98                                                                                                                                   |
| 17                                                                                                                                      | Kerala                                                                                                                                  | 3987                                                                                                                                    | 79.74                                                                                                                                   | 1826                                                                                                                                    | 36.52                                                                                                                                   |
| 18                                                                                                                                      | Lakshadweep                                                                                                                             | 2                                                                                                                                       | 0.04                                                                                                                                    | 0                                                                                                                                       | 0                                                                                                                                       |
| 19                                                                                                                                      | Madhya Pradesh                                                                                                                          | 31200                                                                                                                                   | 624.00                                                                                                                                  | 8277                                                                                                                                    | 165.54                                                                                                                                  |
| 20                                                                                                                                      | Maharashtra                                                                                                                             | 38472                                                                                                                                   | 769.44                                                                                                                                  | 20650                                                                                                                                   | 413                                                                                                                                     |
| 21                                                                                                                                      | Manipur                                                                                                                                 | 464                                                                                                                                     | 9.28                                                                                                                                    | 28                                                                                                                                      | 0.56                                                                                                                                    |
| 22                                                                                                                                      | Meghalaya                                                                                                                               | 484                                                                                                                                     | 9.68                                                                                                                                    | 27                                                                                                                                      | 0.54                                                                                                                                    |
| 23                                                                                                                                      | Mizoram                                                                                                                                 | 1151                                                                                                                                    | 23.02                                                                                                                                   | 38                                                                                                                                      | 0.76                                                                                                                                    |
| 24                                                                                                                                      | Nagaland                                                                                                                                | 224                                                                                                                                     | 4.48                                                                                                                                    | 6                                                                                                                                       | 0.12                                                                                                                                    |
| 25                                                                                                                                      | Delhi                                                                                                                                   | 6408                                                                                                                                    | 128.16                                                                                                                                  | 1110                                                                                                                                    | 22.2                                                                                                                                    |
| 26                                                                                                                                      | Odisha                                                                                                                                  | 17683                                                                                                                                   | 353.66                                                                                                                                  | 2137                                                                                                                                    | 42.74                                                                                                                                   |
| 27                                                                                                                                      | Puducherry                                                                                                                              | 543                                                                                                                                     | 10.86                                                                                                                                   | 168                                                                                                                                     | 3.36                                                                                                                                    |
| 28                                                                                                                                      | Punjab                                                                                                                                  | 6710                                                                                                                                    | 134.20                                                                                                                                  | 2552                                                                                                                                    | 51.04                                                                                                                                   |
| 29                                                                                                                                      | Rajasthan                                                                                                                               | 31330                                                                                                                                   | 626.60                                                                                                                                  | 5935                                                                                                                                    | 118.7                                                                                                                                   |
| 30                                                                                                                                      | Sikkim                                                                                                                                  | 149                                                                                                                                     | 2.98                                                                                                                                    | 13                                                                                                                                      | 0.26                                                                                                                                    |
| 31                                                                                                                                      | Tamil Nadu                                                                                                                              | 19743                                                                                                                                   | 394.86                                                                                                                                  | 5245                                                                                                                                    | 104.9                                                                                                                                   |
| 32                                                                                                                                      | Telangana                                                                                                                               | 34116                                                                                                                                   | 682.32                                                                                                                                  | 4527                                                                                                                                    | 90.54                                                                                                                                   |
| 33                                                                                                                                      | Tripura                                                                                                                                 | 794                                                                                                                                     | 15.88                                                                                                                                   | 114                                                                                                                                     | 2.28                                                                                                                                    |
| 34                                                                                                                                      | Uttar Pradesh                                                                                                                           | 57462                                                                                                                                   | 1149.24                                                                                                                                 | 8522                                                                                                                                    | 170.44                                                                                                                                  |
| 35                                                                                                                                      | Uttarakhand                                                                                                                             | 4324                                                                                                                                    | 86.48                                                                                                                                   | 980                                                                                                                                     | 19.6                                                                                                                                    |
| 36                                                                                                                                      | West Bengal                                                                                                                             | 14811                                                                                                                                   | 296.22                                                                                                                                  | 2277                                                                                                                                    | 45.54                                                                                                                                   |
| 37                                                                                                                                      | Ladakh                                                                                                                                  | 14                                                                                                                                      | 0.28                                                                                                                                    | 1                                                                                                                                       | 0.02                                                                                                                                    |
| 38                                                                                                                                      | Others*                                                                                                                                 | 13403                                                                                                                                   | 268.06                                                                                                                                  | 4132                                                                                                                                    | 66.28                                                                                                                                   |
| Total 648588 12971.76 112933 2242.30 Source: Banks and Insurance companies; * claims for which State-wise distribution is not available | Total 648588 12971.76 112933 2242.30 Source: Banks and Insurance companies; * claims for which State-wise distribution is not available | Total 648588 12971.76 112933 2242.30 Source: Banks and Insurance companies; * claims for which State-wise distribution is not available | Total 648588 12971.76 112933 2242.30 Source: Banks and Insurance companies; * claims for which State-wise distribution is not available | Total 648588 12971.76 112933 2242.30 Source: Banks and Insurance companies; * claims for which State-wise distribution is not available | Total 648588 12971.76 112933 2242.30 Source: Banks and Insurance companies; * claims for which State-wise distribution is not available |
| Note: State wise distribution of claims data as on 22.02.2023 comprises claims under converged schemes also.                            | Note: State wise distribution of claims data as on 22.02.2023 comprises claims under converged schemes also.                            | Note: State wise distribution of claims data as on 22.02.2023 comprises claims under converged schemes also.                            | Note: State wise distribution of claims data as on 22.02.2023 comprises claims under converged schemes also.                            | Note: State wise distribution of claims data as on 22.02.2023 comprises claims under converged schemes also.                            | Note: State wise distribution of claims data as on 22.02.2023 comprises claims under converged schemes also.                            |

| PMJJBY & PMSBY Claims as on 22.02.2023     | PMJJBY & PMSBY Claims as on 22.02.2023     | PMJJBY & PMSBY Claims as on 22.02.2023     | PMJJBY & PMSBY Claims as on 22.02.2023     | PMJJBY & PMSBY Claims as on 22.02.2023     | PMJJBY & PMSBY Claims as on 22.02.2023     |
|--------------------------------------------|--------------------------------------------|--------------------------------------------|--------------------------------------------|--------------------------------------------|--------------------------------------------|
| S. No.                                     | District Name                              | PMJJBY                                     | PMJJBY                                     | PMSBY                                      | PMSBY                                      |
| S. No.                                     | District Name                              | No. of Claims Paid                         | Amount Paid (in Rs. Crore)                 | No. of Claims Paid                         | Amount Paid (in Rs. Crore)                 |
| 1                                          | Shahjahanpur, Uttar Pradesh                | 1080                                       | 21.60                                      | 95                                         | 1.90                                       |
| 2                                          | Sitapur, Uttar Pradesh                     | 1066                                       | 21.32                                      | 143                                        | 2.86                                       |
| Note: Misrikh is part of Sitapur District. | Note: Misrikh is part of Sitapur District. | Note: Misrikh is part of Sitapur District. | Note: Misrikh is part of Sitapur District. | Note: Misrikh is part of Sitapur District. | Note: Misrikh is part of Sitapur District. |