India’s Jan Suraksha schemes have enrolled nearly 940 million people, covering life and accident insurance alongside pension benefits. Payments so far include over ₹21,500 crore under PMJJBY and ₹3,660 crore under PMSBY, with digitisation helping claims settle faster. The government is now weighing revisions to benefit levels to strengthen financial security for citizens.
Since launching in 2015, the Jansuraksha schemes PMJJBY and PMSBY have settled claims worth over Rs 25,160 crore. Under PMJJBY, more than Rs 21,500 crore has been paid, while PMSBY has settled nearly Rs 3,660 crore. The plans offer low-cost financial protection and have drawn massive enrollment nationwide.
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Since launching in 2015, India’s Pradhan Mantri Jeevan Jyoti Bima Yojana has enrolled over 27 crore people and disbursed Rs 17,600 crore in claims, supporting the government’s “Insurance for All by 2047” push. The scheme provides Rs 2 lakh life cover for an annual premium of Rs 436, positioning low-cost coverage at scale.
The government is considering a major expansion of benefits under its Jan Suraksha insurance schemes, including PMJJBY, PMSBY, and APY. The move aims to strengthen social safety nets for low income households and informal sector workers by potentially increasing the sum insured, offering greater financial protection.
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