{"id":50837,"date":"2026-05-11T14:32:23","date_gmt":"2026-05-11T09:02:23","guid":{"rendered":"https:\/\/edunovations.com\/currentaffairs\/?p=50837"},"modified":"2026-05-11T14:32:25","modified_gmt":"2026-05-11T09:02:25","slug":"jan-suraksha-schemes-11-years","status":"publish","type":"post","link":"https:\/\/edunovations.com\/currentaffairs\/national\/jan-suraksha-schemes-11-years\/","title":{"rendered":"Jan Suraksha Schemes 11 Years Complete: PMJJBY, PMSBY and APY Explained for UPSC, Banking and SSC Exams"},"content":{"rendered":"\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/jan-suraksha-schemes-11-years\/#Jan_Suraksha_Schemes_11_years_milestone_explained_with_PMJJBY_PMSBY_and_APY_details_benefits_objectives_historical_background_MCQs_FAQs_and_exam-oriented_current_affairs_analysis_for_UPSC_SSC_Banking_Railways_Defence_and_State_PSC_exams\" >Jan Suraksha Schemes 11 years milestone explained with PMJJBY, PMSBY, and APY details, benefits, objectives, historical background, MCQs, FAQs, and exam-oriented current affairs analysis for UPSC, SSC, Banking, Railways, Defence, and State PSC exams.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/jan-suraksha-schemes-11-years\/#Three_Jan_Suraksha_Schemes_Complete_11_Years_A_Major_Milestone_in_Indias_Social_Security_Revolution\" >Three Jan Suraksha Schemes Complete 11 Years: A Major Milestone in India\u2019s Social Security Revolution<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/jan-suraksha-schemes-11-years\/#Introduction_to_the_Jan_Suraksha_Schemes\" >Introduction to the Jan Suraksha Schemes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/jan-suraksha-schemes-11-years\/#Objectives_Behind_Launching_the_Schemes\" >Objectives Behind Launching the Schemes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/jan-suraksha-schemes-11-years\/#Pradhan_Mantri_Jeevan_Jyoti_Bima_Yojana_PMJJBY\" >Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/jan-suraksha-schemes-11-years\/#Pradhan_Mantri_Suraksha_Bima_Yojana_PMSBY\" >Pradhan Mantri Suraksha Bima Yojana (PMSBY)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/jan-suraksha-schemes-11-years\/#Atal_Pension_Yojana_APY\" >Atal Pension Yojana (APY)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/jan-suraksha-schemes-11-years\/#Governments_Focus_on_Financial_Inclusion\" >Government\u2019s Focus on Financial Inclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/jan-suraksha-schemes-11-years\/#Challenges_and_Public_Concerns\" >Challenges and Public Concerns<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/jan-suraksha-schemes-11-years\/#Possible_Future_Reforms\" >Possible Future Reforms<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/jan-suraksha-schemes-11-years\/#Why_This_News_is_Important\" >Why This News is Important<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/jan-suraksha-schemes-11-years\/#Importance_for_Government_Exam_Preparation\" >Importance for Government Exam Preparation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/jan-suraksha-schemes-11-years\/#Importance_in_Indias_Economic_and_Social_Development\" >Importance in India\u2019s Economic and Social Development<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/jan-suraksha-schemes-11-years\/#Relevance_in_Current_Affairs\" >Relevance in Current Affairs<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/jan-suraksha-schemes-11-years\/#Historical_Context\" >Historical Context<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/jan-suraksha-schemes-11-years\/#Launch_of_Financial_Inclusion_Initiatives\" >Launch of Financial Inclusion Initiatives<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/jan-suraksha-schemes-11-years\/#Growth_of_Social_Security_in_India\" >Growth of Social Security in India<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/jan-suraksha-schemes-11-years\/#Evolution_Over_the_Last_11_Years\" >Evolution Over the Last 11 Years<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/jan-suraksha-schemes-11-years\/#Key_Takeaways_from_Jan_Suraksha_Schemes_Completing_11_Years\" >Key Takeaways from Jan Suraksha Schemes Completing 11 Years<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/jan-suraksha-schemes-11-years\/#FAQs_on_Three_Jan_Suraksha_Schemes_Completing_11_Years\" >FAQs on Three Jan Suraksha Schemes Completing 11 Years<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/jan-suraksha-schemes-11-years\/#1_What_are_the_three_Jan_Suraksha_Schemes\" >1. What are the three Jan Suraksha Schemes?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/jan-suraksha-schemes-11-years\/#2_When_were_the_Jan_Suraksha_Schemes_launched\" >2. When were the Jan Suraksha Schemes launched?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/jan-suraksha-schemes-11-years\/#3_What_is_the_objective_of_the_Jan_Suraksha_Schemes\" >3. What is the objective of the Jan Suraksha Schemes?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/jan-suraksha-schemes-11-years\/#4_What_is_the_annual_premium_under_PMSBY\" >4. What is the annual premium under PMSBY?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/jan-suraksha-schemes-11-years\/#5_What_insurance_coverage_is_provided_under_PMJJBY\" >5. What insurance coverage is provided under PMJJBY?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/jan-suraksha-schemes-11-years\/#6_Who_can_join_the_Atal_Pension_Yojana\" >6. Who can join the Atal Pension Yojana?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/jan-suraksha-schemes-11-years\/#7_Which_ministry_is_associated_with_the_implementation_of_these_schemes\" >7. Which ministry is associated with the implementation of these schemes?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/jan-suraksha-schemes-11-years\/#8_Why_are_these_schemes_important_for_competitive_exams\" >8. Why are these schemes important for competitive exams?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/jan-suraksha-schemes-11-years\/#9_Which_scheme_provides_accidental_death_and_disability_insurance\" >9. Which scheme provides accidental death and disability insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/jan-suraksha-schemes-11-years\/#10_What_is_the_significance_of_financial_inclusion_in_India\" >10. What is the significance of financial inclusion in India?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/jan-suraksha-schemes-11-years\/#Some_Important_Current_Affairs_Links\" >Some Important Current Affairs Links<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Jan_Suraksha_Schemes_11_years_milestone_explained_with_PMJJBY_PMSBY_and_APY_details_benefits_objectives_historical_background_MCQs_FAQs_and_exam-oriented_current_affairs_analysis_for_UPSC_SSC_Banking_Railways_Defence_and_State_PSC_exams\"><\/span>Jan Suraksha Schemes 11 years milestone explained with PMJJBY, PMSBY, and APY details, benefits, objectives, historical background, MCQs, FAQs, and exam-oriented current affairs analysis for UPSC, SSC, Banking, Railways, Defence, and State PSC exams.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Three_Jan_Suraksha_Schemes_Complete_11_Years_A_Major_Milestone_in_Indias_Social_Security_Revolution\"><\/span>Three Jan Suraksha Schemes Complete 11 Years: A Major Milestone in India\u2019s Social Security Revolution<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Introduction_to_the_Jan_Suraksha_Schemes\"><\/span>Introduction to the Jan Suraksha Schemes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>India\u2019s flagship social security initiatives \u2014 the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), and Atal Pension Yojana (APY) \u2014 have completed 11 years since their launch on 9 May 2015. These schemes were introduced by Prime Minister Narendra Modi with the vision of \u201cSecuring the Unsecured\u201d by extending affordable insurance and pension facilities to economically vulnerable citizens.<\/p>\n\n\n\n<p>The completion of 11 years marks an important achievement in India\u2019s journey toward financial inclusion and social welfare. The schemes have particularly benefited workers in the unorganized sector, rural households, low-income families, and economically weaker sections.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Objectives_Behind_Launching_the_Schemes\"><\/span>Objectives Behind Launching the Schemes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The Jan Suraksha Schemes were launched to address the absence of social security coverage among millions of Indians. Before these schemes, a large portion of the population lacked access to life insurance, accident insurance, and pension security.<\/p>\n\n\n\n<p>The government designed these schemes with low annual premiums and simplified enrollment processes linked to bank accounts under the Jan Dhan initiative. This combination helped bring insurance and pension coverage within reach of ordinary citizens.<\/p>\n\n\n\n<p>The main objectives include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Expanding insurance penetration in India<\/li>\n\n\n\n<li>Providing affordable social security<\/li>\n\n\n\n<li>Supporting financial inclusion<\/li>\n\n\n\n<li>Protecting vulnerable families against economic shocks<\/li>\n\n\n\n<li>Encouraging pension savings for old age<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Pradhan_Mantri_Jeevan_Jyoti_Bima_Yojana_PMJJBY\"><\/span>Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>PMJJBY is a life insurance scheme offering coverage for death due to any reason. The scheme is available for individuals aged between 18 and 50 years having a savings bank or post office account.<\/p>\n\n\n\n<p>Under the scheme, beneficiaries receive life insurance coverage of \u20b92 lakh at a low annual premium. The premium is auto-debited from the subscriber\u2019s bank account every year.<\/p>\n\n\n\n<p>According to recent government data, PMJJBY has recorded over 27 crore enrollments. More than \u20b921,500 crore worth of claims have been settled, benefiting over 10 lakh families.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Pradhan_Mantri_Suraksha_Bima_Yojana_PMSBY\"><\/span>Pradhan Mantri Suraksha Bima Yojana (PMSBY)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>PMSBY is an accident insurance scheme that provides financial assistance in case of accidental death or disability. The scheme is available for individuals aged 18 to 70 years.<\/p>\n\n\n\n<p>Subscribers receive accidental insurance coverage of \u20b92 lakh at an annual premium of just \u20b920. Due to its affordability, PMSBY has witnessed massive enrollment across the country.<\/p>\n\n\n\n<p>The scheme has crossed 58 crore enrollments, and claims worth more than \u20b93,660 crore have been settled for affected families.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Atal_Pension_Yojana_APY\"><\/span>Atal Pension Yojana (APY)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The Atal Pension Yojana focuses on providing pension benefits to workers in the unorganized sector. Under APY, subscribers contribute regularly during their working years and receive guaranteed monthly pensions after reaching 60 years of age.<\/p>\n\n\n\n<p>The scheme is open to Indian citizens aged between 18 and 40 years. Pension amounts vary depending on the contribution made by the subscriber.<\/p>\n\n\n\n<p>As per official figures, APY has enrolled more than 9 crore subscribers over the past 11 years. The scheme has become a major pillar of India\u2019s pension inclusion strategy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Governments_Focus_on_Financial_Inclusion\"><\/span>Government\u2019s Focus on Financial Inclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The success of these schemes reflects the government\u2019s broader push toward financial inclusion. The integration of Jan Dhan bank accounts, Aadhaar identification, and mobile connectivity has strengthened access to welfare services.<\/p>\n\n\n\n<p>The schemes also helped increase awareness about insurance and pension planning among rural and low-income populations. Public sector banks, insurance companies, and post offices played a critical role in expanding outreach.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Challenges_and_Public_Concerns\"><\/span>Challenges and Public Concerns<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Despite the success, some concerns have emerged regarding awareness, enrollment practices, and customer consent. Discussions on online platforms have highlighted cases where customers claimed they were enrolled without proper consent or faced difficulties in cancellation processes.<\/p>\n\n\n\n<p>However, many users also acknowledged that the schemes provide valuable financial protection at extremely low premiums, especially for economically weaker households.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Possible_Future_Reforms\"><\/span>Possible Future Reforms<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Reports suggest that the government is considering increasing the insurance coverage under PMJJBY and PMSBY to improve social security benefits further. Such reforms could enhance protection against rising healthcare costs, inflation, and economic uncertainty.<\/p>\n\n\n\n<p>The government may also focus on improving digital monitoring systems, awareness campaigns, and transparency in enrollment procedures.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\" id=\"jan-suraksha-schemes-11-years\"><img decoding=\"async\" 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rjwiYz0y3bgcRzwihLa+\/Banh0YwsNDo2UxEJESqN0wMtwCad2j2mL6QwyjobKnstiAVRnK455xxzJJg0OmnNPg4abVVyXl6v1YpmzcVpO75vz9PZCradgLmNmsqcYhxw9IsbxIASnwSBlxJoQ2A2RLqk2l9MNAhTaT\/SEaKI+oNRx7tdSpHtHVJ\/4o\/P9h3Q6dr\/ACS+R2az3aSwdE8qB1VytPjqPA+hFaDUK97tS+2UKyOqVfVPw4ivPazB32OlzXI3NJn7nJb5PmA9y3sqzrkZoPbTx5jgRR\/ZHm3AHEQcQAxRnlOR35ScudZvbbGtpZQsQfQjiDvFWuzl8ps+MLCilUEBIBgic8yN0eQrN0WqeGXd5OXr0Zo6zTLLHvMfP06lptvZAUId+kFYDzBBI8iPU0zsRZBK3TmRCU8pzP6etM7QX+0+1gQlYOIK6wSBAB4E8ab2cvtthC0rCyVKkYQCNAN5FEeTC9Yp2q+9FFjyrSOFO7\/QMbStCR0i4ATJxH6O4x7staA7+vpVoVAybSeqnjzPP3VL2iv1D6UoQFgAkqxACcstCedU1lsynFBCEkqOg\/U8Bzquu1byPu8fL06ltFpVjXeZOfr0JVxXf0zyUx1R1l\/ZG7x08a0WarrluxLCMIzUc1q4nlyG6rCn9Hp+5hvzfMQ1mo76e3Jcgc29uov2YqSJW0cY4lMQseWf3RWUGt6rNNtdlS0pT7KZaOa0j+jO\/L6nu7oomaF+JGblh\/siDsDY+ktiDubCnD4DCPzKB8KJbDbukvlzgltTQ+5hJ\/NioHum9nrMoraUASCkyAQRroeYrzYL0dZd6ZCvnJUSSAZxTikb5mhxmkkvWwcZJJe5eWhpKr2UlQBHTTB0JAxAHvIA8aWzNvMOvOqCsKuldEqLigciQjAQRORJUAmRMa0PP2xa3C6pR6Qqx4hkcUyCI0jLyq1bvRhS+lUHmns8SmejUhZPaOBcYZkyJIOeWdQpb36kJ72StnratReV1wMbLqcPWUhanUt9QRmooW4NM40yoftw+cXr21a69o68+NWKr56PCmzJLSUnFiOFTi1QUhSjGEQCYSBAknXOrDZDZlVqX0roIZBkk6uneBynU+GukfFSR1XSQUezm6i0wXlDrPQRyQmcPnJPcU0W15GWQrs07GoqhqMaVHaVcmuTUWWO0prlcmo4jj5Vcfr0HajpRXsZUNxRWyYyqiXZm34FULMrqysyqVyPoGhzs2W679SQBOffRBZrRiFY5cgcKhE1qlyoOETQsWSXFQdpNWXKkhQIIBBBBBEgg6gg6iga\/vZy2sldlWGyc+jVJb8CM0eo4RRwK9VrYNRkxO4MTy4IZVUkYnbtk7a12rOtQ4tjpAfwSR4gVXi6bRP+7vT\/AGTk\/wB2t9muzWjHtedbxQhLsyPSTMTu\/Y23O6MKQPrOfNgeB63kDRxs97PmWSFvkPLGYTENA9x7fjlyo0pGg5u0suRUtl6BcWhxQdvf3FNKoVuvNlkfOLA4DVR+6M6rRtbZ\/wDifhHxpCx9RfQv67NDrm1zI0Q4fBI\/Wo6ts0bmSfvAfpXWT3cvIIrbY23U4XEgjdxB4g7qFrfso4JLSgscDCVfA+ldTtitR6rIjmon1gCvFr2wdTlgQJ0OZ\/WgZtPjzbyXzD4Z5sT8P5FU7dT6ci054JJHmMq43djyjAZc\/AoepEV6\/wBc3UqCyuQNU5AHlAHrXGtuXFqKwuAcwmAQBuGfvpP\/AOdjv4maH4rPXwotbDso6qC4Q2OHaV6ZDzopu+7m2UwhMcSc1HvP+RQvZts1KIGFBG+MQPvqcNqo7TUjilXvSRl5mnMOmxYt48\/MQz5M+T4uXl0CSaU1QNbVsHULHgCPQ1JG0Vm\/rI70r+FHsW4JeRbTSqHZLzZcyQ4knhofI51LqbKtAnfmwrTpK2D0Sj9GJbPgM0eGXKg63bJ2xrVkrHFvrg+A63mK12uzQpY4sDLDFmIf6MfmOgd\/6a\/hU6x7LWxzRhaRxWOjA\/FBPgDWxTXJqqxIqsC8wMuPYJCCF2hQcI+gmQjxOqu7Id9GSUgAAAADIAZAAbgN1KlRFUdkFjBR5HZrk0q5Nc5Fjs0ppTXJqvESdpVya5XcRx8rCvC1V6U5TYzNRYOiVZAaIrpsJOcZVBuCxhawJ760i5rIgQmMqTzTp0M4oXuWOzdyhICiKMWGoFRLuQAKsRRMEFVlskugopUqi3nbkstlxW7IDeonQD\/PGmbBIkqIGZyphy8GU6uoH3k+6s9vC8XHVYlkngB2U9wqF0k5QR6VNhlisOLw2saRk2C4r8KfXM+XjQ1bdpX3DBcKZ3I6vqM\/WqzouNcca4GKrYSOKKOKBOZjPjJmvQb4q8h8aaCkp30w9eKU75qLDcJKU0BvPifhFIPJTrHkKprbe+XV1qqXeJO+o4iyiuoTv3vGQqmvO9iogTUayWO1PgllhxYBgqShSgD4DWrW7fZ9bniMaOiTvKyB+UEqJ74rnJslyhE8bK3Qu22hLcw0mFunPsgjqj+JWnLM7qh7Q3YqxWhbEykQW1cUKzHiNDzBrY9mNnGrE1gblSlQXFnVRGmW5IzgczrrUfa7ZNq3IGI4HE9hYE+Ch9JPqPOep0A\/EeP0Masd4EKidaIbDeu4mqy9dhbcwT8ypxI0U11wfAdYeIqpPStmFoWk7sSSJ8xXKQwpRkg9DqV8P189aXQncrwI\/UUG2S8yCBOVENnvhJ1qeLzKOHkTYWD2R3pP+TVlY7+ebyDiu5WY8laVXfKEkagivaBO8EcDnXWUcb5oLLDtaNHU+Kf\/AKn41eMXowsSHU+Jw++s76AbpHqK5hUnTMcvgatbAvDF8jTW3Uq7Kge4g+6vdZrZrWQZhSSNCMjRlcV7dKMKj1x+YfEVFgp4nHct65SpCosHQqUV6FdFcRZ5ivWGu0qukiLORSiu1yahtHHyQV17QvOohNdQau4g0wkum3hCpGtF1i2kAjjWcNGp1mfik82FPcPDK0bxcF7hYHWFECbSONYtcFvKAINELO0CwtInU0mss8ew1UZqzTF2hKUlSjCQCSeAFZ3fl8qtDhMQhOSEndzPFR9NKl33e5cSG0nqiCrmd3gPf3VVNJFaMG3FNkRx07PLTJOpp4pApKWAKhv2pMa1awyhY48+BvHnVe\/eKRVda7K4TKHBB3GcvGqy1EghMyqJVwE6eNUbCcI9ed4ye1HIa1BDyz+9VtqzX1T3niam2KZzM1ZqjkrCnZXY82xRC7RggYgkIxSJAzzEa86PLr9mtjbMrxungohKfJMHzNR\/ZldSkIU+sEYxhbB3pmSruMCO40bWh8ISpR0AJ8q6KsVzTak1Fnqz2dDaQhCQlIyCUgADuApyg1+8XlmS4ockkpA8BV1clvUsFKzJAkHeRoZ9KK4NKxcuKVMF6vQcGtC4kdTHah3pdrNoR0bzaVp56g8QRmk8xTBvtmYxHvgxU8LBzFS15nGcbRezVhCFutvqQlIKilaQsZbgQQR4zWbvY0GMQV519C3tZA8y41MY0lM8CdD5xXz3fNgW04ttwFK0mCPgd4jMGq9aHcEuJO3uO2e8CCMRPjpRJZL0B7VAanVDXP31Ju59Ua78xrFS41yCWaQxa0kZEeNSg4DvoGsrSyofOQnlrV\/YrSEdU+eedRbO4Uy7KAa9sFSFBSTmDIpqzuyOHCngKtzBtUG91XgHkYh2h2hw\/apk0D3fbC0rGn7w3Rv8KMrO+laQpJyNDkKzhwsexUsVeZpTQ2ytHsGvVeU06kUTGuIpLY8GvM06oU3NRNcLOR8juorw2a9OPTXUim+gI9pXTyXKZCK9RVaOLmx2kjSiG4rOtxXSKnCOzzPwH7caodnbAp9wJzwJzWeW4d5+J3VoKEAAACAMgBuApd41dsZwxctxBFelGK9TAqO85VxtIbcfHGoloebzOU06+kLEEVQ30yG8k55b88zuqGF5DNvvQlWFAnnlH71UWlKyYOQOZiZPjVhZmIGeZ1NP26zR0ahkDiHdpBPnXbJnJNlK0zBwnw51o2xOxBWUvWlJS3qlByUv7Q3J5anuqJsulthfSuETEJBjfvottG1aAmcVUc7BznWyClVoCcsgK44oOIUmdQRWXXntiT2T40W3YV9EgrJxEAkcJEx4VfFGc5C0pQocWwQYOoqwupIRKjvEDu1+FRcNcUjdTmSEpRpMFGST3H7wvUJOtOPWvEyYOsDwkTWbX7aXGbQUKUSMlJn6qtPIyPCiq4lqcaC5hJ05wY8prMxwyrKtrGnPG40SSiiC5nfmgDukDumqkpqMu1LYGJRxJnMxGGT7vjT2o4lG0hfHTe4XFdC22uzCbYjEiA+kdUnRQ+qo+47qbc2nbA7QphnaxsmJpJ5b6DEYpO0zIbysq21FC0lKwYKSM5qGWlJ62h9K2Lallm1syMAdTmhUCTA7JOsH3xWXW1ogRGZyijQnaDcxmz2xaUjI+GfvogsF4pIBxT31Tu2eMqasqIXhOhz+NS0dbQbWS8Ek5Ge7Orll2aGbElKRAEVbWZ4cahEyRbc6tbkvHozhPYV+U\/CqZl2nFHeKlqwTV7MOsYryXwKGLDeigMJz+rx7qq7XtMmYzpDPKcdkicem4upoTLwNTRWdXdtHRRYto2yOt6VOi7QhBuOXb1B59FkjvFWi8c0qKpYqqtm0KNBkKrF34J7VTqdbDJPwciuPR5K3R82hNewa06xeyxA\/nrUTybQE\/mWT7q8J2dsaVlLDPSYZBefWpScQkEJaQUhyOcDma2ZQcVbEIpydIzpKqm3Xdrj6sKE96j2U95\/StGVcNkgBTDZMzKU9GPJBHqTU5phKBCUhKRoAIA8BQG10GY6d\/wCxEuq70MNhtPeonVROpPwqVIptxVR1v0FscjFJUhx52oyl86ZW4TSkVFhVE9T5VT2tONydwz8\/299WrhyjjlUNKNT9Yz8PSuXmc0MoY+Jq4sNjC0nEB1MzO8K19wqEhNN3vb+jYWJ6zgwDjn2j5T51zIlLhi2yLdllctjqkNkACVFRmEpmB3ncBTm0lwu2VKVFYW2ThxAEQqCYIz1AOc7t2Uy\/Zop0OLhpSmlgJUsQEoUmSNYnUyBJzGVEO3jFocZS0yypaSoKWoYTGGYSEzimc5iMt+cHjiXBZktt7gJs5Y+ntLTZEgqBV9lPWV5gR41r6nk4wj6WEr8AQPUn0NCPs+2dcZW488goJSEIBImCZUSActEjPPWntmLz+UW60rBlIQEt\/YSqBHeZV96i4\/Cvc5BZFMWy0JbRjVpKEnljWlE9wxTUqqHbkxYXv+X6utijSdJs4rduboU6phSO0V9Ccp7eYJ5CFedE1nZS2lLacglICRvhMD9R51D2bvD5RZm3D2ohX2kylR5TE9yqi7O235Q5aHx2ApLLXCGwVEj7RWD3QN1DSSla6nF1TNqZS4lbajkpMHiAqRPofKpNUd+275O9Z3SYbWpTDnDr4VIVywlJ8CqiSdI4za1KW2pTau0hRSe9JivVgaddVDSFLIzMDTvOgq99o91LS6H0JJQtPzhAJCVIylR+iCMPiDVp7NLQ2qzqQkjpAslYykggBKu6Mu8Gk1hXFRye4KPWh1BKFYkqGRBkEeBpWNHSSTqN\/LWrT2jWtvp0JSQVpQQ5G6TKQTx1MfxDjQ9d1rwrz0OR8ao4cLoJinwzJz7czUVxrQ8D\/wDtWRM02puQRUGk0TbKqRzqc0s76qbKr41PQuqtlkWjD1TUOVTNOCprTldZVonpMVXX5dJc+dbHX+mn63MfxcePfrMxginGXc6iUVJUVWwGs2sgxwyqyRexG+re8bsafzV1VfWTv+0N\/frVHaNmHkyekaKeOIp85EJ8TFLS06k90HWdxR7evQka1AVeR41y2XPamhK2FhOuIDEn8aZT61UqokMEYgp6lyNL2gtpQwogwpUISeBWYkdwk+FVVkSEpCQIAAAHIZVG2zfPzCeLhV+FJH+KvLVoyrS1kvHXkI6KNQvzLIGvK36r12uorlr86TsconvujdUEuVFVahxpdJUF0iTjpY5qL0le0LqGXH3VZ9wmmlK08qadfEeNRXLQNZgDWpTKtk0vgAkmAMyeFCtttLlqeSlA1IbaT9owJ5kxP7V7vC39J1RkgfmPE\/CpmyVuZs9pQ86FFKQqMMEhRBAMEidT5zuosI07kZuoz8fhjyNfumxoYbQwgj5tCQeJmesealBR75rzf14\/J7O48E4igAhMwDKgnXxqn2JvI2hdqeP0nEBI4JSkhI7415zUrbsxYH+5v\/ut05xeC0BM7vTa62PyC5gSQQUtjCIPE5qPnV37Kx869\/ZpH5v2oEW7R37KP5x\/7LfvVQINuSsqjQ3ngkoB+mooHeELX7kHzql27TNheH9n6OtmpN7uw\/YxxeX\/AO3eT\/iprbQfyJ7uR\/3EUeT2ZYyey3i+2hbbbqkoX2kgwDlHhIy5itV2KsfR2Nkb1AuH\/mHEPylI8KylloKUlJISFEJJOiZIEk7gK2qw2tlYwsuNrCQBCFpVA0HZOWlCxc7IRIiqHbix9JY3Ms0YXB90wr8pVV70gxYZGKMUSJiYmNYnKaj3g+yElDriEBaVJ660pkEQYxETrRpU00SAFybZPNAIdBdRkAZhxIjj9Lxz50dXS+060l1pMJVMdUJORKTMcwaxh1wpJBIMSCRplvB4VtFxWXorMyg6pbTP2iJV6k0HDJt0yEVO12zyLQyspQA8kFSFAAKJGeEneDmM9CZrHkOVtW0lv+Tlh5X830nRO8EpdGSz3LQjPgVVlW1aGRa3SytK0KVjBSZSCsBSgFDIjETpppuqcqRDJNhtmJMHtDXnUxK6GEv4cxrVrZLaFjgd4+HKlWh\/Bm4lwvmWs5\/53\/vTqHoNQUug76cDlUY4i2aXNSW11TtPxU5l+oJaLNK6dQ7VULUJ1r2LXNTZRoukOU4lznVUzaaf6erJlGi12at5QtbE9WOkbHAEwpPcCQR9rkKtnbO0o4lNNqPFTaCfMiaBLLbSLexnqHEHuKFK96RRl0x5Vp6dKcPEjK1NwybAHtaofMqmYUoeYB\/w1BTbMq5SpTU7zGtL8A29bedQH7dNKlSyG7Gk2qM58KfF5DjSpVZo5SZ7FtHGui1qI6qVEcYJHhGtKlVErOlNpWNKW4dG1+KSKi2izOq1Svuwqj3UqVXi6E5uU+bIDlmc3Nr\/AAq+FIWdz+rX+FXwpUqu5ge6RqPsqaULO6SCJejMEaNoO\/vqbfay7dThAJJZkZGeqQdNZypUqYi\/ARXQx4Wdz6i\/wq+FaL7J2VJVaMSSOq1qCN7nGlSoUJXJE93W4RbSuEWuwAAx0jhPASEJGe7tGpW14PyN4AfRH95NKlRv\/X96EVsZH0K\/qK8j8KOfZmyQp+QR1W9QRvXSpUvjlc0W4FVhDj\/2lH\/pPXpp1od9p6Dis5AJyd0E726VKi5fgfuRVgLZ2\/nEY0KwYk4+qT1cQxQN+U1tNivZt1kPpxYDI6ySFZKw9k867SoenlzRzjRRe0W1tCzLZXjxOJJbwpURiaUhQkjs5wO4msgLKvqq8jSpVbLPxURw2eS0v6qvI16bZXrhV5Gu0qG5HKG5NafcGqT5GpHyk8DG+RpSpUN0xrFkndNjibaKcF4DjSpVFDfExtVqJznKnmbwjWlSrqKuTJrF4c6sGrcKVKu6nXaGrMvFbGlA9nGe7qFP6iioWg8RSpVp6X4DL1Pxn\/\/Z\" alt=\"jan suraksha schemes 11 years\" style=\"width:480px;height:auto\" title=\"jan suraksha schemes 11 years\"\/><figcaption class=\"wp-element-caption\">jan suraksha schemes 11 years<\/figcaption><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_This_News_is_Important\"><\/span>Why This News is Important<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Importance_for_Government_Exam_Preparation\"><\/span>Importance for Government Exam Preparation<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The completion of 11 years of the Jan Suraksha Schemes is highly relevant for competitive examinations such as UPSC, SSC, Banking, Railways, Defence, State PSCs, and teaching examinations. Questions related to government welfare schemes, financial inclusion, social security, and economic reforms are frequently asked in prelims, mains, and interviews.<\/p>\n\n\n\n<p>Candidates preparing for banking and civil service examinations should understand the objectives, features, eligibility criteria, and achievements of PMJJBY, PMSBY, and APY. These schemes are directly connected to topics like inclusive growth, poverty alleviation, insurance penetration, and social welfare governance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Importance_in_Indias_Economic_and_Social_Development\"><\/span>Importance in India\u2019s Economic and Social Development<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The Jan Suraksha Schemes represent one of India\u2019s largest social protection initiatives. By offering affordable insurance and pension facilities, the schemes have reduced financial vulnerability among low-income families.<\/p>\n\n\n\n<p>The schemes also support India\u2019s long-term development goals by promoting financial literacy, social security coverage, and economic resilience. Their success demonstrates how digital banking infrastructure can be used to implement welfare schemes efficiently across a large population.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Relevance_in_Current_Affairs\"><\/span>Relevance in Current Affairs<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Government schemes remain an important section of current affairs for all competitive exams. The 11-year milestone provides updated enrollment figures, claim settlement statistics, and policy developments that are highly relevant for exam-oriented study.<\/p>\n\n\n\n<p>Students should also note the government\u2019s possible proposal to increase insurance coverage under these schemes, as such policy changes may become important future current affairs topics.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Historical_Context\"><\/span>Historical Context<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Launch_of_Financial_Inclusion_Initiatives\"><\/span>Launch of Financial Inclusion Initiatives<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>India has historically faced low insurance penetration and limited pension coverage, especially among informal sector workers. To address this challenge, the government launched the Pradhan Mantri Jan Dhan Yojana in 2014 to increase access to banking services.<\/p>\n\n\n\n<p>Building on this foundation, the government introduced the three Jan Suraksha Schemes in 2015 to provide insurance and pension benefits through bank-linked systems.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Growth_of_Social_Security_in_India\"><\/span>Growth of Social Security in India<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Before these schemes, insurance products were often unaffordable for poor households. Many workers in rural areas and the unorganized sector lacked protection against accidental deaths, disabilities, or income loss during old age.<\/p>\n\n\n\n<p>The launch of PMJJBY, PMSBY, and APY marked a major shift toward inclusive welfare policies. These schemes combined low-cost premiums, automatic bank deductions, and simplified documentation to maximize accessibility.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Evolution_Over_the_Last_11_Years\"><\/span>Evolution Over the Last 11 Years<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Over the past decade, the schemes have expanded rapidly with the support of banks, post offices, insurance companies, and digital financial infrastructure. Enrollment figures have grown significantly, demonstrating increasing public trust in government-backed financial protection mechanisms.<\/p>\n\n\n\n<p>The schemes are now considered important pillars of India\u2019s social welfare architecture and financial inclusion strategy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Key_Takeaways_from_Jan_Suraksha_Schemes_Completing_11_Years\"><\/span>Key Takeaways from Jan Suraksha Schemes Completing 11 Years<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>S. No.<\/th><th>Key Takeaway<\/th><\/tr><\/thead><tbody><tr><td>1<\/td><td>PMJJBY, PMSBY, and APY completed 11 years on 9 May 2026 after being launched in 2015.<\/td><\/tr><tr><td>2<\/td><td>The schemes aim to provide affordable life insurance, accident insurance, and pension coverage to vulnerable citizens.<\/td><\/tr><tr><td>3<\/td><td>PMJJBY has crossed 27 crore enrollments, while PMSBY has crossed 58 crore enrollments.<\/td><\/tr><tr><td>4<\/td><td>APY has enrolled more than 9 crore subscribers, strengthening pension inclusion in India.<\/td><\/tr><tr><td>5<\/td><td>The government is considering increasing insurance coverage under these schemes in the future.<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">jan suraksha schemes 11 years<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs_on_Three_Jan_Suraksha_Schemes_Completing_11_Years\"><\/span>FAQs on Three Jan Suraksha Schemes Completing 11 Years<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_What_are_the_three_Jan_Suraksha_Schemes\"><\/span>1. What are the three Jan Suraksha Schemes?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The three Jan Suraksha Schemes are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)<\/li>\n\n\n\n<li>Pradhan Mantri Suraksha Bima Yojana (PMSBY)<\/li>\n\n\n\n<li>Atal Pension Yojana (APY)<\/li>\n<\/ul>\n\n\n\n<p>These schemes provide affordable life insurance, accident insurance, and pension benefits to citizens.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_When_were_the_Jan_Suraksha_Schemes_launched\"><\/span>2. When were the Jan Suraksha Schemes launched?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The schemes were launched on 9 May 2015 by Prime Minister Narendra Modi.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_What_is_the_objective_of_the_Jan_Suraksha_Schemes\"><\/span>3. What is the objective of the Jan Suraksha Schemes?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The schemes aim to provide social security and financial protection to economically weaker sections and workers in the unorganized sector.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_What_is_the_annual_premium_under_PMSBY\"><\/span>4. What is the annual premium under PMSBY?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The annual premium under PMSBY is \u20b920 for accidental insurance coverage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_What_insurance_coverage_is_provided_under_PMJJBY\"><\/span>5. What insurance coverage is provided under PMJJBY?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>PMJJBY provides life insurance coverage of \u20b92 lakh in case of death due to any reason.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"6_Who_can_join_the_Atal_Pension_Yojana\"><\/span>6. Who can join the Atal Pension Yojana?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Indian citizens aged between 18 and 40 years with a bank account can join APY.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"7_Which_ministry_is_associated_with_the_implementation_of_these_schemes\"><\/span>7. Which ministry is associated with the implementation of these schemes?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The Ministry of Finance is responsible for implementing these social security schemes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"8_Why_are_these_schemes_important_for_competitive_exams\"><\/span>8. Why are these schemes important for competitive exams?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Questions related to government welfare schemes, financial inclusion, social security, and poverty alleviation are frequently asked in UPSC, SSC, Banking, Railways, Defence, and State PSC examinations.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"9_Which_scheme_provides_accidental_death_and_disability_insurance\"><\/span>9. Which scheme provides accidental death and disability insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pradhan Mantri Suraksha Bima Yojana (PMSBY) provides accidental insurance coverage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"10_What_is_the_significance_of_financial_inclusion_in_India\"><\/span>10. What is the significance of financial inclusion in India?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Financial inclusion helps citizens access banking, insurance, pensions, and other financial services, improving economic security and reducing poverty.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Some_Important_Current_Affairs_Links\"><\/span>Some Important Current Affairs Links<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/edunovations.com\/currentaffairs\/category\/national\/\" target=\"_blank\" rel=\"noreferrer noopener\">State Current Affairs<\/a><\/div>\n\n\n\n<div class=\"wp-block-button is-style-outline is-style-outline--2\"><a class=\"wp-block-button__link wp-element-button\" 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Three Jan Suraksha Schemes Complete 11 Years: A Major Milestone in India\u2019s Social Security Revolution Introduction to the Jan Suraksha Schemes&#8230;<\/p>\n","protected":false},"author":6,"featured_media":50877,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10,159],"tags":[33420,15422,3283,225,466,248,30594,22460,9359,9356,15381,12567],"class_list":["post-50837","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-national","category-scheme_and_committees","tag-apy","tag-atal-pension-yojana","tag-banking-exams","tag-current-affairs","tag-financial-inclusion","tag-government-schemes","tag-insurance-schemes-india","tag-jan-suraksha-schemes","tag-pmjjby","tag-pmsby","tag-social-security-schemes","tag-upsc-preparation"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/posts\/50837","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/comments?post=50837"}],"version-history":[{"count":3,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/posts\/50837\/revisions"}],"predecessor-version":[{"id":50876,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/posts\/50837\/revisions\/50876"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/media\/50877"}],"wp:attachment":[{"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/media?parent=50837"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/categories?post=50837"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/tags?post=50837"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}