Lok Sabha Question No. 799 (UNSTARRED), answered on 2024-11-29
Subject: Pravasi Bharatiya Bima Yojana
Ministry: EXTERNAL AFFAIRS
Asked by: Shri Arvind Dharmapuri

## GOVERNMENT OF INDIA

## MINISTRY OF EXTERNAL AFFAIRS

## LOK SABHA

UNSTARRED QUESTION NO- 799

ANSWERED ON- 29/11/2024

## PRAVASI BHARATIYA BIMA YOJANA

## 799.  SHRI ARVIND DHARMAPURI

Will the Minister of EXTERNAL AFFAIRS be pleased to state :-

- (a)   the   total   number   of   Non-Resident   Indians   (NRIs)   residing   in different countries across the world, State/UT-wise;
- (b)   the   data   on   the   number   of   NRIs   from   the   State   of   Telangana, district-wise, with specific details on Nizamabad;
- (c)   the   measures   implemented   to   facilitate   the   engagement   and support of NRIs in their home districts;
- (d) the total number of beneficiaries of the Pravasi Bharatiya Bima Yojana, State/UT-wise including district-wise details for Telangana;

(e) the data on the types of support or benefits provided under the said scheme to NRIs; and

(f) the amount of fund allocated and utilized for this scheme since 2019?

## ANSWER THE MINISTER OF STATE IN THE MINISTRY OF EXTERNAL AFFAIRS

## (SHRI KIRTI VARDHAN SINGH)

(a & b)   The total number of NRIs residing in different countries is attached at Annexure-A. The Ministry does not maintain state-wise and district-wise data of NRIs.

(c)   The   measures   implemented   to   facilitate   the   engagement   and support of NRIs in their home districts comes under the purview of respective State Governments.

(d) The total number of beneficiaries of Pravasi Bharatiya Bima Yojana (PBBY)   is   placed   at   Annexure-B.   The   Ministry   does   not   maintain State/UT-wise data of beneficiaries of PBBY.

(e)   The Pravasi   Bharatiya   Bima   Yojana   (PBBY)   is   a   mandatory insurance scheme for all Emigration Check Required (ECR) category workers going to ECR countries. Revised PBBY effective from 1 August 2017 is available to both ECR and ECNR passport holders going for employment abroad. The scheme provides an insurance cover of INR 10 Lakhs in case of accidental death or permanent disability and other benefits at a nominal insurance premium of INR 275/- for two years or INR   375/-   for   three   years   validity. PBBY   has   many   other provisions such as:

i)  Reimbursement of medical expenses up to Rs.1 lakh (Rupees fifty thousand per hospitalization) in case of hospitalization of the insured in   an   emergency   on   grounds   of   accidental   injuries   and/or sickness/ailments/disease occurring during the insurance whether in India/third country or in the country of his employment, ii) In case of accidental death, besides the cost of transporting the dead body, the cost incurred on economy class return airfare of one attendant   up   to   the   International   airport   in   India   nearest   to   the address of  the insured shall also be reimbursed by the Insurance Company. In case of permanent disability of the insured, the economy class return airfare of one attendant up to the International airport nearest to the address of the insured shall also be reimbursed by the Insurance Company.

iii) If  the insured person falls sick or is declared medically unfit to commence or continue or resume work and the service contract is terminated by the foreign employer within the first twelve months of taking the insurance cover, the actual one-way Economy Class airfare up to the International airport nearest to the address of the insured shall be reimbursed by the Insurance company provided the grounds for repatriation are certified by the concerned Indian Mission/Post and Air-tickets are submitted in original.

iv) On arrival at his workplace or destination abroad, if the emigrant worker is not received by the employer or if there is any substantive change in the job/Employment Contract/Agreement to the disadvantage   of   the   insured   person,   or   if   the   employment   is prematurely terminated within the period of employment for no fault of the emigrant, one-way Economy Class airfare shall also be reimbursed by the Insurance company up to the international airport nearest to the address of the insured provided the grounds for repatriation are certified by the concerned Indian Mission/Post and the Air-tickets are submitted in original.

v) In cases where the repatriation is arranged by the Indian Mission/ Post, the Insurance Company shall reimburse the actual expenses to the concerned Indian Mission/Post.

vi)   The   Insurance   under   this   policy   shall   also   provide   maternity benefits to women emigrants, subject to a minimum cover of Thirtyfive thousand rupees in case of normal delivery and up to Rupees fifty thousand in case of caesarean operation per policy period. In the case of   medical treatment in the country of  employment, the maternity benefits   would   be   provided   only   if   the   requisite   documents   are certified by the concerned Indian Mission/Post. The reimbursement shall be restricted to actuals.

vii) The family of the emigrant worker in India consisting of spouse and first two dependent children up to twenty-one years of age shall be entitled to hospitalization cover in the event of death or permanent disability   of   the   insured   person   for   a   maximum   of   fifty   thousand rupees per annum during the policy period.

(f) More than 79 lakh policies have been issued under PBBY from 2006-

07 to 30 th  September, 2024. During this period, 3190 claims were received and 2194 were settled. Since PBBY is an insurance scheme, no funds are allocated for this scheme.

*****

Annexure-A NRIs residing in respective countries (in descending order) as on 01.01.2024

|   S. No. | Countries                |    NRIs |
|----------|--------------------------|---------|
|        1 | United Arab Emirates     | 3554274 |
|        2 | Saudi Arabia             | 2460603 |
|        3 | United States of America | 2077158 |
|        4 | Canada                   | 1016274 |
|        5 | Kuwait                   |  993284 |
|        6 | Qatar                    |  835175 |
|        7 | Nepal                    |  700000 |
|        8 | Oman                     |  684771 |
|        9 | United Kingdom           |  369000 |
|       10 | Australia                |  350000 |
|       11 | Singapore                |  350000 |
|       12 | Bahrain                  |  323908 |
|       13 | Germany                  |  208000 |
|       14 | Italy                    |  167333 |
|       15 | Malaysia                 |  163127 |
|       16 | New Zealand              |  150000 |
|       17 | Philippines              |  147518 |
|       18 | Portugal                 |   90000 |
|       19 | Russia                   |   60172 |
|       20 | Bhutan                   |   60000 |
|       21 | South Africa             |   60000 |
|       22 | Spain                    |   51606 |
|       23 | Netherlands              |   50787 |
|       24 | Japan                    |   46262 |
|       25 | Sweden                   |   40000 |
|       26 | Uganda                   |   35000 |

| 27.                                | Greece              |   33486 |
|------------------------------------|---------------------|---------|
| 28.                                | China (Hong Kong)   |   32790 |
| 29.                                | Ireland             |   30000 |
| 30.                                | France              |   29000 |
| 31.                                | Maldives            |   27065 |
| 32.                                | Thailand            |   25000 |
| 33.                                | Mauritius           |   23708 |
| 34.                                | Poland              |   23000 |
| 35.                                | Israel              |   20000 |
| 36.                                | Kenya               |   20000 |
| 37.                                | Malta               |   18000 |
| 38.                                | Denmark             |   17460 |
| 39.                                | Belgium             |   17438 |
| 40.                                | Iraq                |   17100 |
| 41.                                | Switzerland         |   17059 |
| 42.                                | Jordan              |   16897 |
| 43.                                | Norway              |   16890 |
| 44.                                | Korea (Republic of) |   16714 |
| 45.                                | Kyrgyzstan          |   16550 |
| 46. Brunei                         | Darussalam          |   15000 |
| 47. Congo (Democratic Republic of) |                     |   15000 |
| 48.                                | Ghana               |   15000 |
| 49.                                | Tanzania            |   15000 |
| 50.                                | Indonesia           |   14817 |
| 51.                                | Cyprus              |   14612 |
| 52. Austria & Montenegro & Holy    | See                 |   14300 |
| 53.                                | Croatia             |   11982 |
| 54.                                | Iran                |   10320 |
| 55.                                | Kazakhstan          |    9815 |
| 56. Czech                          | Republic            |    9090 |
| 57.                                | Botswana            |    9000 |

|   58. | Hungary          |   8457 |
|-------|------------------|--------|
|    59 | Finland          |   8245 |
|    60 | Seychelles       |   8180 |
|    61 | Malawi           |   8143 |
|    62 | Mexico           |   8000 |
|    63 | Vietnam          |   7550 |
|    64 | Sri Lanka        |   7500 |
|    65 | China            |   7400 |
|    66 | Bangladesh       |   7000 |
|    67 | Uzbekistan       |   5939 |
|    68 | Ethiopia         |   5900 |
|    69 | Georgia          |   5750 |
|    70 | Romania          |   5700 |
|    71 | China (Taiwan)   |   5303 |
|    72 | Jamaica          |   5000 |
|    73 | Zambia           |   5000 |
|    74 | Luxembourg       |   4508 |
|    75 | Armenia          |   4500 |
|    76 | Lithuania        |   4470 |
|    77 | Panama           |   4000 |
|    78 | Papua New Guinea |   4000 |
|    79 | Algeria          |   3800 |
|    80 | Egypt            |   3141 |
|    81 | Türkiye (Turkey) |   3083 |
|    82 | Brazil           |   3046 |
|    83 | Lebanon          |   3000 |
|    84 | Liberia          |   3000 |
|    85 | Mozambique       |   3000 |
|    86 | Sierra Leone     |   3000 |
|    87 | Slovak Republic  |   2949 |
|    88 | Rwanda           |   2940 |

| 89.                                | Latvia                      |   2900 |
|------------------------------------|-----------------------------|--------|
| 90.                                | Madagascar                  |   2826 |
| 91.                                | Serbia                      |   2800 |
| 92.                                | Côte d'Ivoire (Ivory Coast) |   2738 |
| 93.                                | Myanmar                     |   2660 |
| 94.                                | Ukraine                     |   2610 |
| 95.                                | Angola                      |   2514 |
| 96.                                | Fiji                        |   2283 |
| 97.                                | Sint Maarten                |   2170 |
| 98.                                | Gambia                      |   2100 |
| 99.                                | Senegal                     |   2100 |
| 100.                               | Estonia                     |   1900 |
| 101. Eswatini (formerly Swaziland) |                             |   1900 |
| 102.                               | Chile                       |   1800 |
| 103.                               | Tajikistan                  |   1800 |
| 104.                               | Cambodia                    |   1753 |
| 105.                               | Guyana                      |   1500 |
| 106.                               | Lesotho (Kingdom of)        |   1500 |
| 107.                               | Guinea (Republic of)        |   1390 |
| 108.                               | Trinidad and Tobago         |   1266 |
| 109.                               | Gabon                       |   1200 |
| 110.                               | Costa Rica                  |   1011 |
| 111.                               | Azerbaijan                  |   1007 |
| 112.                               | Cameroon                    |   1000 |
| 113.                               | Djibouti                    |   1000 |
| 114.                               | Zimbabwe                    |   1000 |
| 115.                               | Benin                       |    996 |
| 116.                               | Togo                        |    973 |
| 117.                               | Moldova                     |    950 |
| 118.                               | Belarus                     |    927 |
| 119.                               | Cayman Islands              |    900 |

| 120.         | South Sudan         |   900 |
|--------------|---------------------|-------|
| 121.         | Cuba                |   868 |
| 122.         | Congo (Republic of) |   850 |
| 123.         | Argentina           |   825 |
| 124.         | Slovenia            |   822 |
| 125.         | Uruguay             |   773 |
| 126.         | Bulgaria            |   700 |
| 127.         | Burundi             |   700 |
| 128.         | Curacao             |   700 |
| 129.         | Yemen               |   700 |
| 130.         | Aruba               |   600 |
| 131.         | Barbados            |   600 |
| 132.         | Laos                |   587 |
| 133.         | Mali                |   558 |
| 134.         | Saint Lucia         |   550 |
| 135.         | Iceland             |   528 |
| 136.         | Saint Kitts & Nevis |   500 |
| 137.         | Colombia            |   483 |
| 138.         | Albania             |   450 |
| 139.         | Namibia             |   450 |
| 140.         | Morocco             |   434 |
| 141.         | Mauritania          |   310 |
| 142.         | Antigua & Barbuda   |   300 |
| 143.         | Guinea-Bissau       |   300 |
| 144.         | Bahamas             |   280 |
| 145.         | Ecuador             |   269 |
| 146.         | Equatorial Guinea   |   250 |
| 147.         | Belize              |   200 |
| 148.         | Grenada             |   200 |
| 149.         | Paraguay            |   200 |
| 150. Turks & | Caicos Islands      |   200 |

| 151.                              | Peru                       |   192 |
|-----------------------------------|----------------------------|-------|
| 152.                              | France (Guadeloupe)        |   180 |
| 153.                              | Eritrea                    |   172 |
| 154.                              | Suriname                   |   160 |
| 155.                              | France (Reunion Island)    |   159 |
| 156.                              | Burkina Faso               |   150 |
| 157.                              | France (St. Martin)        |   150 |
| 158.                              | Niger                      |   150 |
| 159.                              | Chad                       |   120 |
| 160.                              | Turkmenistan               |   105 |
| 161.                              | East Timor                 |   100 |
| 162.                              | Mongolia                   |   100 |
| 163.                              | Nigeria                    |   100 |
| 164.                              | Somalia                    |   100 |
| 165.                              | Syria                      |    97 |
| 166.                              | France (Martinique)        |    90 |
| 167.                              | British Virgin Islands     |    80 |
| 168.                              | Central African Republic   |    70 |
| 169.                              | Guatemala                  |    65 |
| 170.                              | Dominican Republic         |    57 |
| 171.                              | Bonaire & Smaller Islands  |    54 |
| 172.                              | Andorra                    |    50 |
| 173. Saint Vincent & The          | Grenadines                 |    50 |
| 174.                              | Sudan                      |    50 |
| 175.                              | Bolivia                    |    48 |
| 176.                              | Comoros                    |    42 |
| 177.                              | Dominica (Commonwealth of) |    40 |
| 178.                              | Nicaragua                  |    39 |
| 179.                              | Haiti                      |    36 |
| 180.                              | Liechtenstein              |    35 |
| 181. Micronesia (Federated States | of)                        |    35 |

| 182.   | Venezuela             |       33 |
|--------|-----------------------|----------|
| 183.   | Honduras              |       30 |
| 184.   | Macedonia             |       29 |
| 185.   | Palau                 |       29 |
| 186.   | Cabo Verde            |       25 |
| 187.   | Bosnia & Herzegovina  |       20 |
| 188.   | El Salvador           |       20 |
| 189.   | Nauru                 |       20 |
| 190.   | Sao Tome and Principe |       20 |
| 191.   | Solomon lslands       |       20 |
| 192.   | Holy See              |       15 |
| 193.   | Korea (DPR)           |       15 |
| 194.   | Montserrat            |       15 |
| 195.   | Palestine             |       11 |
| 196.   | Monaco                |       10 |
| 197.   | Marshall Islands      |        7 |
| 198.   | Tonga                 |        5 |
| 199.   | Kiribati              |        2 |
| Total  | Total                 | 15850612 |

## Pravasi Bharatiya Bima Yojana

| Years             | No. of Policies issued   | No. of Claims received   | No. of Claims Settled   | Percentage of Claims settlement   |
|-------------------|--------------------------|--------------------------|-------------------------|-----------------------------------|
| 2006-07           | 49707                    | 181                      | 58                      | 32%                               |
| 2007-08           | 44414                    | 149                      | 33                      | 22%                               |
| 2008-09           | 121661                   | 270                      | 148                     | 55%                               |
| 2009-10           | 366788                   | 134                      | 155                     | 116%                              |
| 2010-11           | 511485                   | 153                      | 169                     | 110%                              |
| 2011-12           | 542842                   | 189                      | 183                     | 97%                               |
| 2012-13           | 853102                   | 225                      | 196                     | 87%                               |
| 2013-14           | 836416                   | 267                      | 225                     | 84%                               |
| 2014-15           | 943205                   | 368                      | 336                     | 91%                               |
| 2015-16           | 794891                   | 247                      | 221                     | 89%                               |
| 2016-17           | 518961                   | 194                      | 109                     | 56%                               |
| 2017-18           | 397157                   | 204                      | 89                      | 44%                               |
| 2018-19           | 374874                   | 118                      | 81                      | 69%                               |
| 2019-20           | 389393                   | 91                       | 37                      | 41%                               |
| 2020-21           | 40628                    | 72                       | 38                      | 53%                               |
| 2021-22           | 240178                   | 89                       | 54                      | 61%                               |
| 2022-23           | 422650                   | 107                      | 26                      | 24.29%                            |
| 2023-24           | 300233                   | 73                       | 22                      | 25.35%                            |
| 2024-25 upto th   | 239717                   | 59                       | 14                      |                                   |
| 30 September 2024 |                          |                          |                         |                                   |
| Total             | 7986302                  | 3190                     | 2194                    |                                   |

*****

## Annexure-B