• Shruti GOCHHWAL

Pradhan Mantri Suraksha Bima & 10 Other Welfare Schemes by the Govt

The Government of India, along with various ministries, has come up with various schemes (Yojana) from time to time. These schemes are meant for the welfare of Indians and could be either Central, state-specific or joint collaboration between the Centre and the states. Some of the Government schemes are mentioned below:

  1. Pradhan Mantri Jan Dhan Yojana

Banking services

Pradhan Mantri Jan Dhan Yojana, Credits: pixabay


It is a National Mission on Financial Inclusion that aims to provide banking services to all the people in the country. The Pradhan Mantri Jan Dhan Yojana (PMJDY)  helps people open bank accounts which could help them get interest on their money. Recently in March 2020, with the outbreak of Covid-19 in India, The Finance Minister announced that every woman holding Jan-Dhan Account will receive Rs.500 per month for the next 3 months

  1. Pradhan Mantri Suraksha Bima Yojana:

Health Insurance

Pradhan Mantri Suraksha Bima Yojana,Credits: pixabay


The Pradhan Mantri Suraksha Bima Yojana is a scheme that provides insurance to the uninsured people so that they can receive insurance service and facilities easily. This scheme is backed by the government and is the largest accident insurance scheme in India. The premium to be paid for this scheme is as low as INR. 12 annually, per member of the family. The return will be around 2 lakhs in case of death and in case of disability the sum insured is 1 lakh.

  1. Sarbat Sehat Bima Yojana

Health Insurance

Sarbat sehat Bima Yojana, Credits: pixabay


Another insurance Scheme launched by the Punjab Chief Minister Captain Amarinder Singh on 1st July 2019. The scheme aims to provide insurance to 43 lakh families of Punjab annually with an insurance sum of up to Rs 5 lakh.

  1. Pradhan Mantri Jeevan Jyoti Bima Yojana

Term life Insurance

Pradhan Mantri Jeevan Jyoti Bima Yojana, Credits: pixabay


It is a social security programme backed by the government of India. Pradhan Mantri Jeevan Jyoti Bima Yojna is basically a term life insurance policy with a life cover of Rs.2 lakh at a nominal premium. The premium can be renewed either on a yearly basis or for a longer period of time

  1. Make in India:

PM Narendra Modi launched the ‘Make in India’ campaign that will facilitate investment, enhance the protection for intellectual property, foster innovation,  & build best in manufacturing infrastructure. Make in India Campaign is currently active in 25 sectors of manufacturing, infrastructure and service activities

  1. Beti Bachao Beti Padhao:

women empowerment scheme

Save the girl, educate girl child, Credits: pixabay


Beti Bachao Beti Padhao was launched on 22nd January 2015 by the Prime Minister of India to help the girl child socially and financially and make them self-reliant through education. This scheme also aims to promote general awareness and improve the efficiency of welfare services intended for girls in India.

  1. Atal Pension Yojna

Pension scheme

Atal Pension Yojana, Credits: pixabay


Atal Pension Yojana is a pension scheme focussed on the unorganized sector workers such as maids, delivery boys, gardeners. Under this scheme, the workers can get a pension of 1,000, 2,000, 3,000 or 4,000 rupees per month after 60 years of age depending on the amount paid as a subscription by the contributors.

  1. Mukhyamantri Kanya Utthan Yojana

Women welfare scheme

Mukhya Mantri Kanya Uttahan Yojana, Credits: pixabay


The government of Bihar has declared a welfare scheme for the girl child residing in Bihar called Mukhyamantri Kanya Utthan Yojana. The scheme will help promote Women empowerment, social empowerment as well as educational empowerment. This scheme will also help girl children to become self-dependent in future.

  1. Mega Pension Scheme

Mega pension scheme

Mega pension scheme, Credits: Pixabay


The Government has announced a mega pension scheme called Pradhan Mantri Shram-Yogi Maandhan Yojana. This scheme covers people from both the organised and unorganised sectors. The minimum contribution to be paid is Rs. 55 which can be paid starting from the age of 18. Once the person attains an age of 60 they can get a monthly pension of Rs 3000.

  1. Ayushman Bharat:

Ayushman Bharat is the world’s largest health insurance scheme backed by the government of India with over 50 crore beneficiaries. The Ayushman Bharath programme has two important components: PM-JAY & HWCs.

  1. Pradhan Mantri Jan Arogya Yojana (PM-JAY) – This component of Ayushman Bharat covers the financial protection and helps people avail healthcare services at the secondary and tertiary levels.

  2. Health and Wellness Centres (HWCs) – is an attempt to provide a comprehensive range of healthcare services at the primary level.

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