Pradhan Mantri Suraksha Bima Yojana and the Pradhan Mantri Jeevan Jyoti Bima Yojana
For creating a universal social security system for all Indians, especially the poor and the under-privileged the Hon’ble Prime Minister launched two Social Security Schemes in the Insurance sector; namely the Pradhan Mantri Suraksha Bima Yojana(PMSBY) and the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) in Kolkata on Pan India basis on the 9th of May, 2015. Salient features of the schemes are given below:
Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) offers life insurance cover of Rs. 2 lakh in case of death due to any reason to people in the age group of 18 to 50 years having a bank / Post office account, who give their consent to join / enable auto-debit of premium of Rs. 330 per annum. The scheme is being offered by Life Insurance Corporation of India and all other life insurers who are offering the product on similar terms with necessary approvals and tie up with Banks and Post Offices for this purpose.
Pradhan Mantri Suraksha Bima Yojana (PMSBY) offers accidental insurance cover of Rs. 2 lakh for accidental death or total permanent disability and Rs. 1 lakh for partial permanent disability to people in the age group 18 to 70 years with a bank / Post office account, who give their consent to join / enable auto-debit of premium of Rs. 12 per annum. The scheme is being offered by Public Sector General Insurance Companies or any other General Insurance Company who is offering the product on similar terms with necessary approvals and tie up with Banks and Post Offices for this purpose.
(b) As per information furnished by Banks 5.91 crore persons have been enrolled under PMJJBY and 15.47 crore persons have been enrolled under PMSBY as on 31.03.2019. State-wise data of gross enrolments under the schemes PMJJBY and PMSBY is placed at Annexure A. Further, 1,35,212 claims amounting to Rs. 2704.24 crore have been settled under PMJJBY and 32,176 claims amounting to 643.52 crore have been settled under PMSBY as on 31.03.2019. State-wise data of claims under the schemes is placed at Annexure B.
(c) As per information provided by Banks / Insurance Companies 1.55 crore women have been insured under PMJJBY and 5.11 crore women have been insured under PMSBY throughout the country till March, 2019. State-wise data of women on whose lives claims were paid throughout the country till March, 2019 is placed at Annexure C.
ANNEXURE – A REFERRED TO IN PART (b) OF LOK SABHA STARRED QUESTION NO. 288 FOR ANSWER ON DECEMBER 9, 2019.
State -Wise Distribution of Gross Enrollments as on 31.03.2019 (as uploaded by banks on Jansuraksha Portal)
Sr.
|
State | PMSBY | PMJJBY | Total |
1
|
ANDAMAN & NICOBAR ISLANDS |
32,271 |
16,283 |
48,554 |
2
|
ANDHRA PRADESH $$ | 2,76,32,231 | 1,83,84,214 | 4,60,16,445 |
3
|
ARUNACHAL PRADESH | 67,680 | 40,751 | 1,08,431 |
4
|
ASSAM | 19,59,253 | 7,40,581 | 26,99,834 |
5
|
BIHAR | 58,29,559 | 16,48,757 | 74,78,316 |
6
|
CHANDIGARH | 2,04,990 | 57,229 | 2,62,219 |
7
|
CHHATTISGARH | 52,99,788 | 12,91,366 | 65,91,154 |
8
|
DADRA & NAGAR HAVELI | 49,802 | 24,204 | 74,006 |
9
|
DAMAN & DIU | 37,661 | 17,334 | 54,995 |
10
|
GOA | 2,66,256 | 1,24,926 | 3,91,182 |
11
|
GUJARAT | 60,99,823 | 25,62,854 | 86,62,677 |
12
|
HARYANA | 33,40,965 | 9,67,093 | 43,08,058 |
13
|
HIMACHAL PRADESH | 10,93,835 | 2,86,941 | 13,80,776 |
14
|
JAMMU & KASHMIR | 7,67,709 | 3,23,418 | 10,91,127 |
15
|
JHARKHAND | 22,44,237 | 5,99,262 | 28,43,499 |
16
|
KARNATAKA | 79,09,701 | 34,55,273 | 1,13,64,974 |
17
|
KERALA | 45,33,055 | 9,04,607 | 54,37,662 |
18
|
LAKSHADWEEP | 5,822 | 1,831 | 7,653 |
19
|
MADHYA PRADESH | 87,86,945 | 22,37,052 | 1,10,23,997 |
20
|
MAHARASHTRA | 97,01,319 | 40,21,981 | 1,37,23,300 |
21
|
MANIPUR | 1,13,040 | 38,126 | 1,51,166 |
22
|
MEGHALAYA | 97,290 | 50,016 | 1,47,306 |
23
|
MIZORAM | 89,966 | 57,874 | 1,47,840 |
24
|
NAGALAND | 54,528 | 21,608 | 76,136 |
25
|
NCT OF DELHI | 24,66,605 | 9,54,457 | 34,21,062 |
26
|
ORISSA | 45,15,671 | 12,59,527 | 57,75,198 |
27
|
PUDUCHERRY | 2,16,811 | 72,613 | 2,89,424 |
28
|
PUNJAB | 40,09,575 | 7,27,495 | 47,37,070 |
29
|
RAJASTHAN | 60,56,922 | 18,20,827 | 78,77,749 |
30
|
SIKKIM | 58,542 | 31,755 | 90,297 |
31
|
TAMIL NADU | 83,40,290 | 27,79,983 | 1,11,20,273 |
32
|
TELANGANA | 63,33,999 | 21,77,346 | 85,11,345 |
33
|
TRIPURA | 4,11,001 | 1,25,393 | 5,36,394 |
34
|
UTTAR PRADESH | 1,59,84,910 | 39,90,315 | 1,99,75,225 |
35
|
UTTARAKHAND | 15,85,394 | 3,76,375 | 19,61,769 |
36
|
WEST BENGAL | 74,60,614 | 16,39,458 | 91,00,072 |
37
|
Others & Non-CBS Enrolments ** | 1,10,59,763 | 53,40,237 | 1,64,00,000 |
Grand
Total |
15,47,17,823 | 5,91,69,362 | 21,38,87,185 |
** 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. State/UT wise break-up not available for this number.
$$ 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.
Source : Gross Enrollment as uploaded by banks on Jansuraksha portal as on 31/03/2019 subject to verification of eligibility, availability of funds etc.
ANNEXURE – B REFERRED TO IN PART (b) OF LOK SABHA STARRED QUESTION NO. 288 FOR ANSWER ON DECEMBER 9, 2019.
State-wise Claims Data for PMJJBY & PMSBY as on 31.03.2019
S.No. |
statename |
P
MJJBY |
PMSBY
|
Total
|
|||
As on 31.03.2019 |
As on 31.03.2019 |
As on 31.03.2019 |
|||||
No. of Claims Paid |
Amount Paid (in Rs. Crore) |
N
o. of Claims Paid |
Amount Paid (in Rs.
Crore)
|
N
o . of Claims Paid |
Amount Paid (in Rs. Crore) |
||
1
|
Andaman & nicobar islands | 39 |
0.78 |
2 |
0.04 |
41 |
0.82 |
2 |
Andhra pradesh | 10,665 |
213.30 |
2,288 |
45.76 |
12,953 |
259.06 |
3 |
Arunachal pradesh | 109 |
2.18 |
10 |
0.20 |
119 |
2.38 |
4 |
Assam | 3,281 |
65.62 |
328 |
6.56 |
3,609 |
72.18 |
5 |
Bihar | 2,838 |
56.76 |
471 |
9.42 |
3,309 |
66.18 |
6 |
Chandigarh | 180 |
3.60 |
66 |
1.32 |
246 |
4.92 |
7 |
Chhattisgarh | 5,506 |
110.12 |
1,770 |
35.40 |
7,276 |
145.52 |
8 |
Dadra & nagar haveli | 47 |
0.94 |
9 |
0.18 |
56 |
1.12 |
9 |
Daman & diu | 33 |
0.66 |
2 |
0.04 |
35 |
0.70 |
10 |
Goa | 301 |
6.02 |
85 |
1.70 |
386 |
7.72 |
11 |
Gujarat | 11,104 |
222.08 |
2,265 |
45.30 |
13,369 |
267.38 |
12 |
Haryana | 4,151 |
83.02 |
1,342 |
26.84 |
5,493 |
109.86 |
13 |
Himachal pradesh | 928 |
18.56 |
494 |
9.88 |
1,422 |
28.44 |
14 |
Jammu & kashmir | 145 |
2.90 |
76 |
1.52 |
221 |
4.42 |
15 |
Jharkhand | 1,564 |
31.28 |
319 |
6.38 |
1,883 |
37.66 |
16 |
Karnataka | 12,072 |
241.44 |
1,987 |
39.74 |
14,059 |
281.18 |
17 |
Kerala | 1,242 |
24.84 |
757 |
15.14 |
1,999 |
39.98 |
18 |
LAKSHADWEEP | – |
– |
– |
– |
– |
– |
19 |
Madhya pradesh | 9,552 |
191.04 |
3,490 |
69.80 |
13,042 |
260.84 |
20 |
Maharashtra | 11,386 |
227.72 |
2,667 |
53.34 |
14,053 |
281.06 |
21 |
Manipur | 144 |
2.88 |
15 |
0.30 |
159 |
3.18 |
22 |
Meghalaya | 128 |
2.56 |
9 |
0.18 |
137 |
2.74 |
23 |
Mizoram | 466 |
9.32 |
13 |
0.26 |
479 |
9.58 |
24 |
Nagaland | 81 |
1.62 |
4 |
0.08 |
85 |
1.70 |
25 |
Nct of delhi | 2,298 |
45.96 |
429 |
8.58 |
2,727 |
54.54 |
26 |
Odisha | 4,145 |
82.90 |
898 |
17.96 |
5,043 |
100.86 |
27 |
Puducherry | 197 |
3.94 |
56 |
1.12 |
253 |
5.06 |
28 |
Punjab | 2,181 |
43.62 |
1,083 |
21.66 |
3,264 |
65.28 |
29 |
Rajasthan | 8,206 |
164.12 |
2,320 |
46.40 |
10,526 |
210.52 |
30 |
Sikkim | 63 |
1.26 |
6 |
0.12 |
69 |
1.38 |
31 |
Tamil nadu | 6,843 |
136.86 |
2,162 |
43.24 |
9,005 |
180.10 |
32 |
Telangana | 11,946 |
238.92 |
2,077 |
41.54 |
14,023 |
280.46 |
33 |
Tripura | 215 |
4.30 |
43 |
0.86 |
258 |
5.16 |
34 |
Uttar pradesh | 17,332 |
346.64 |
3,278 |
65.56 |
20,610 |
412.20 |
35 |
Uttarakhand | 1,525 |
30.50 |
518 |
10.36 |
2,043 |
40.86 |
36 |
West bengal | 4,299 |
85.98 |
837 |
16.74 |
5,136 |
102.72 |
Grand Total
|
1,35,212 | 2,704.24 | 32,176 | 643.52 | 1,67,388 | 3,347.76 |
Note: Claim data as uploaded by Banks and updated by Insurance Companies after claim settlement on Jansuraksha Portal
ANNEXURE – C REFERRED TO IN PART (c) OF LOK SABHA STARRED QUESTION NO. 288 FOR ANSWER ON DECEMBER 9, 2019.
State-wise Claims Paid to Females as on 31.03.2019
S. No. |
States
|
PMJJBY |
PMSBY
|
Female Beneficiary |
Female Beneficiary |
||
1
|
Jammu & kashmir | 91 |
53 |
2
|
Himachal pradesh | 636 |
326 |
3
|
Punjab | 1,343 |
732 |
4
|
Chandigarh | 111 |
42 |
5
|
Uttarakhand | 1,008 |
345 |
6
|
Haryana | 2,543 |
931 |
7
|
Nct of delhi | 1,481 |
304 |
8
|
Rajasthan | 4,691 |
1,512 |
9
|
Uttar pradesh | 8,916 |
1,861 |
10
|
Bihar | 1,374 |
266 |
11
|
Sikkim | 44 |
2 |
12
|
Arunachal pradesh | 58 |
5 |
13
|
Nagaland | 42 |
– |
14
|
Manipur | 80 |
10 |
15
|
Mizoram | 294 |
7 |
16
|
Tripura | 134 |
30 |
17
|
Meghalaya | 94 |
4 |
18
|
Assam | 1,715 |
180 |
19
|
West bengal | 2,566 |
481 |
20
|
Jharkhand | 884 |
187 |
21
|
Odisha | 2,305 |
401 |
22
|
Chhattisgarh | 2,887 |
1,249 |
23
|
Madhya pradesh | 5,335 |
2,389 |
24
|
Gujarat | 6,462 |
1,026 |
25
|
Daman & diu | 21 |
1 |
26
|
Dadra & nagar haveli | 32 |
7 |
27
|
Maharashtra | 7,118 |
1,264 |
28
|
Andhra pradesh | 6,490 |
1,341 |
29
|
Karnataka | 7,754 |
1,279 |
30
|
Goa | 214 |
54 |
31
|
Kerala | 808 |
386 |
32
|
Tamil nadu | 3,949 |
1,186 |
33
|
Puducherry | 124 |
26 |
34
|
Andaman & nicobar islands | 24 |
–
|
35
|
Telangana | 7,187 |
1,367 |
Grand
Total |
78,815 |
19,254 |
Source : Claim data as uploaded by Banks and updated by Insurance Companies after claim settlement on Jansuraksha Portal. NOTE: Data of Claims settled in the lives of females converged to PMJJBY & PMSBY is not maintained centrally.
The above statement was submitted by Ministry of Finance Department of Financial Services of undermentioned Lok Sabha Question:-
GOVERNMENT OF INDIA
MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES
LOK SABHA
STARRED QUESTION NO. 288
ANSWERED ON 09.12.2019
BANK ACCOUNT HOLDERS UNDER PMJJBY/PMSBY
288. SHRI BHAGIRATH CHOUDHARY
Will the Minister of FINANCE be pleased to state:
- (a) the date on which the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Pradhan Mantri Suraksha Bima Yojana (PMSBY) were launched in the country including the names of the States where the bank account holders were registered, scheme/State/ UT-wise;
- (b) the number of registered account holders benefited under the said schemes since the inception of these schemes till March, 2019 along with the number of beneficiaries and the amount provided to them, scheme/State/UT-wise; and
- (c) the number of women insured under the above said schemes throughout the country till March, 2019 including the number of women out of them who were provided assistance along with the types of assistance provided, State/year-wise?
ANSWER
THE FINANCE MINISTER
(SMT NIRMALA SITHARAMAN)
(a) to (c) A Statement is laid on the Table of the House.
STATEMENT REFERRED TO IN REPLY TO PART (a) TO (c) OF LOK SABHA STARRED QUESTION NUMBER *288 FOR 9TH DECEMBER, 2019 REGARDING BANK ACCOUNT HOLDER UNDER PMJJBY/PMSBY TABLED BY SHRI BHAGIRATH CHOUDHARY, HON’BLE MEMBER OF PARLIAMENT
As above
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