Jan Suraksha Schemes

Three Jan Suraksha schemes were launched in May 2015: PMJJBY, a one-year renewable life cover of ₹2 lakh for ₹436 a year; PMSBY, an accident and disability cover of ₹2 lakh for ₹20 a year; and the Atal Pension Yojana, launched on 9 May 2015 for workers in the unorganised sector. The premiums are auto-debited from the bank account of the subscriber. Added together, enrolments in the three schemes passed 82 crore by April 2025 and 94.5 crore by April 2026.

By 29 April 2026, 10,75,625 PMJJBY claims (₹21,512.50 crore) and 1,84,662 PMSBY claims (₹3,667.52 crore) had been paid, against more than 27.43 crore and 58.09 crore enrolments. The Atal Pension Yojana passed 9 crore gross enrolments on 21 April 2026 and reached 9,29,47,723 by 30 June 2026, with 48% of enrolments by women as on 31 October 2025. Its gross enrolments in 2025-26 crossed 1.35 crore, the highest in any year since the scheme began.

Any savings-account holder in the age band can enrol in PMJJBY (18–50 years) or PMSBY (18–70 years) through their bank. The premium is auto-debited each year, and the policy renews annually. PMJJBY is run through LIC and other life insurers; accidental death is covered from day one, but non-accidental death in the first 30 days of enrolment is not. The Atal Pension Yojana, open to citizens aged 18–40 who are not and have not been income-tax payers, fixes a monthly pension of ₹1,000–₹5,000 from age 60 based on the contribution chosen. It pays the same pension to the spouse, and returns the corpus to the nominee. The wider insurance market is covered on the Insurance Sector page, and NPS and the Unified Pension Scheme on the Pensions: NPS & UPS page.

On 21 January 2026, the Union Cabinet approved continuing the Atal Pension Yojana up to 2030-31, with funding for promotion, outreach and gap funding to keep the scheme viable. APY pensions are expected to start from 2035, when the first subscribers reach 60. PMJJBY and PMSBY continue as one-year covers renewed each year through banks. The wider goal of 'Insurance for All by 2047' is covered on the Insurance Sector page.

0 → 94.5 crore+ PMJJBY, PMSBY and APY enrolments added together (2015→April 2026). 27.43 crore+ PMJJBY and 58.09 crore+ PMSBY enrolments (29 April 2026); 10,75,625 and 1,84,662 claims paid. 9,29,47,723 APY gross enrolments (30 June 2026). Premiums ₹20–₹436/year; cover up to ₹2 lakh. Sources: Ministry of Finance via PIB (PRID 2259251; PRID 2127981; backgrounder 23 Apr 2026; PRID 2216718); Lok Sabha Unstarred Question 1314 (27 July 2026).