Lok Sabha Question No. 4956 (UNSTARRED), answered on 2026-03-23
Subject: Enrolment and Claim Settlement under PMSBY
Ministry: FINANCE
Asked by: Shri Rajeev Rai

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

## LOK SABHA

## UN-STARRED QUESTION NO- 4956

ANSWERED ON MONDAY, MARCH 23, 2026 / CHAITRA 02,1948 (SAKA)

## Enrolment and Claim Settlement under PMSBY

## 4956. SHRI RAJEEV RAI:

Will the Minister of FINANCE be pleased to state:

- (a) the number of enrolments and renewals under the Pradhan Mantri Suraksha Bima Yojana (PMSBY) in Mau district  in  Uttar  Pradesh,  including  Ghosi  Lok  Sabha  constituency,  during  2024-26,  particularly among low-income and unorganized sector beneficiaries;
- (b) the  total  premiums  collected  and  the  number  of  claims  lodged,  settled,  rejected  and  pending  in  Mau district during the said period, along with the average time taken for settlement;
- (c) whether  any  audit  or  evaluation  findings  have  highlighted  issues  relating  to  claim  settlement  ratios, documentation delays or renewal gaps under PMSBY, if so, the status thereof in the said district;
- (d) the  measures  taken  by  the  Government  to  improve  awareness,  renewal  rates  and  grievance  redress mechanisms in rural areas of the district; and
- (e) the steps taken to strengthen monitoring and transparency of district-wise enrolment and claim data?

## ANSWER

## MINISTER OF STATE IN THE MINISTRY OF FINANCE

## (SHRI PANKAJ CHAUDHARY)

- (a) to (b): Details are placed at Annexure - A.
- (c): IRDAI shared that it has an internal analysis mechanism of the PMSBY at insurer level. As per the analysis,  the  claims  paid  by  the  insurers  is  more  than  the  premium  collected  for  the  last  three Financial Year (F.Y.) for the state of Uttar Pradesh, as given below:
- (d) & (e): In order to improve awareness, renewal rates and grievance redressal under PMSBY, regular campaigns are held at grass root level with active participation of banks and local administration.

| F.Y.    |   Gross Premium (Rs. in Lakh) |   Claim Paid (Rs. in Lakh) | Claim Paid Ratio   |
|---------|-------------------------------|----------------------------|--------------------|
| 2024-25 |                          3217 |                       4426 | 138%               |
| 2023-24 |                          2638 |                       3321 | 126%               |
| 2022-23 |                          2238 |                       2609 | 117%               |

A 4-month 'Financial  Inclusion  Saturation  Campaign'  was  launched  across  the  country  in  2.70 lakh gram panchayats and Urban Local Bodies (ULBs) from 01.07.2025 to 31.10.2025 aimed at raising awareness and improving participation.

For providing affordable universal access to social security protection through end-to-end digitized journey for enrolment and claim remittance Jan Suraksha Portal has been introduced. All 12 Public Sector Banks and 28 Regional Rural Banks and 11 insurers have been onboarded on the portal.

*****

## (a) Details of number of enrolments and renewals under PMSBY

|                       | As on 31.05.2024      | As on 31.05.2024   | As on 31.05.2025      | As on 31.05.2025   | As on 25.02.2026      | As on 25.02.2026   |
|-----------------------|-----------------------|--------------------|-----------------------|--------------------|-----------------------|--------------------|
| District / State Name | Cumulative Enrolments | No. of Renewals    | Cumulative Enrolments | No. of Renewals    | Cumulative Enrolments | No. of Renewals    |
| Mau                   | 6,46,297              | 3,16,183           | 7,91,097              | 4,48,231           | 8,92,343              | 5,42,882           |
| Uttar Pradesh         | 6,52,73,037           | 3,58,87,865        | 7,57,44,309           | 4,59,11,156        | 8,47,01,923           | 5,08,75,574        |
| Country Total         | 44,34,01,449          | 22,98,74,967       | 51,30,33,059          | 30,21,62,034       | 57,11,25,468          | 33,71,81,231       |

## (b) Details of claims data of PMSBY

| District / State   | As on 31.05.2024   | As on 31.05.2024   | As on 31.05.2024   | As on 31.05.2024   | As on 31.05.2025   | As on 31.05.2025   | As on 31.05.2025   | As on 31.05.2025   | As on 25.02.2026   | As on 25.02.2026   | As on 25.02.2026   | As on 25.02.2026   |
|--------------------|--------------------|--------------------|--------------------|--------------------|--------------------|--------------------|--------------------|--------------------|--------------------|--------------------|--------------------|--------------------|
| District / State   | Claims Reported    | Claims Paid        | Claims Rejected    | Claims Outstanding | Claims Reported    | Claims Paid        | Claims Rejected    | Claims Outstanding | Claims Reported    | Claims Paid        | Claims Rejected    | Claims Outstanding |
| Mau                | 55                 | 35                 | 18                 | 2                  | 69                 | 38                 | 18                 | 13                 | 72                 | 50                 | 17                 | 5                  |
| Uttar Pradesh      | 14,120             | 9,978              | 3,044              | 1,098              | 18,486             | 11,721             | 3,829              | 2,936              | 19,359             | 14,291             | 3,776              | 1,292              |
| Country Total      | 1,80,812           | 1,37,404           | 37,802             | 5,606              | 2,13,642           | 1,59,338           | 47,458             | 6,846              | 2,40,226           | 1,76,859           | 55,693             | 7,674              |

## As per IRDAI:

- (1) Information like low income and unorganized sector for PMSBY is not maintained.
- (2) Data related to total premium under PMSBY is maintained on yearly basis and state-wise. Total gross premium collected for FY 2024-25 was Rs.32.17 crores for state Uttar Pradesh.

## Annexure - A