The 10 Glorious Years Of The Jan Suraksha Schemes

Pragya Pathak

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Updated: 12-05-2025 at 3:31 PM

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Recently, the Jan Suraksha Schemes have successfully completed 10 years of glorious working and operations in the nation of India, for the people of India. Three major schemes come under the Jan Suraksha Schemes. i.e., the PM Jeevan Jyoti Bima Yojana (PMJJBY), PM Suraksha Bima Yojana (PMSBY), and Atal Pension Yojana (APY). All the schemes might differ in name and basic function, but they all have one unified goal, and that is to improve the quality of life of people from all social and economic backgrounds.

Read the article to learn more about the operations of the schemes under the Jan Suraksha Schemes and their achievements up till now.

What Are The Jan Suraksha Schemes?

The Jan Suraksha Schemes comprise three major schemes. i.e., the PM Jeevan Jyoti Bima Yojana (PMJJBY), PM Suraksha Bima Yojana (PMSBY), and Atal Pension Yojana (APY). All of them are briefly explained below for one’s reference.

1. PM Jeevan Jyoti Bima Yojana (PMJJBY)

The PM Jeevan Jyoti Bima Yojana was launched in the year 2015. The scheme aims to provide life insurance cover to people between the ages of 18-50 years, at an annual premium rate of Rs. 436. Under the scheme, if any policyholder dies for whatever reason, their families are given Rs. 2 lakh. According to a report of April 2025, around 10.66 crore females are enrolled in the scheme, out of which 7.08 crore are registered in the PM Jan Dhan Yojana (PMJDY).

2. PM Suraksha Bima Yojana (PMSBY)

The PM Suraksha Bima Yojana (PMSBY) is oriented towards providing coverage for such unfortunate accidents resulting in death or disability and focuses on cost-effective operation. It is specifically for people between the ages of 18-70 years at an annual premium rate of Rs. 20. Under the scheme, Rs. 2 lakh is allotted for accidental death and Rs. 1 lakh for partial disability. As of April 2025, around 51 crore people have been made, out of which 23.87 crore are women and 17.12 crore are registered in the PM Jan Dhan Yojana (PMJDY).

3. Atal Pension Yojana (APY)

The last scheme under the Jan Suraksha Schemes is the Atal Pension Yojana (APY), which aims to provide pensions to people above the age of 60 years. The amount of the pensions ranges from Rs. 1000 to Rs. 5000. As of April 2025, around 7.66 crore individuals have enrolled under the scheme.

Impact Of The Jan Suraksha Schemes

The Finance Minister of India, Smt Nirmala Sitharaman, expressed that the Jan Suraksha Schemes were designed with one vision, and that was to ‘secure the unsecured’, and all the schemes covered under the Jan Suraksha have proven themselves to be exceptional and in alignment with the vision.

She also highlighted that over Rs. 18,397 crore has been invested for more than 9.19 lakh people under the PMJJBY scheme. On the other hand, the PMSBY scheme has paid around Rs. 3,121 crore to 1.57 lakh people. Digitisation has also played a key role in the success and improved working of the schemes for the people of India.

Conclusion

As the Jan Suraksha Schemes mark their 10th anniversary, let’s celebrate the combined efforts of the government and people in achieving this anniversary. It is not an occasion but a symbol of hard work put in by both the Indian government and the citizens of India.

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