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Govt may widen PMJJBY, PMSBY cover
Mint Mumbai
|November 20, 2025
The Centre may allow individuals to raise the insurance cover under the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Pradhan Mantri Suraksha Bima Yojana (PMSBY) from ₹2 lakh to up to ₹5 lakh by paying a higher premium, according to two people in the know.
The plan is part of the government’s broader push to make its flagship life and health insurance schemes more user-friendly, efficient, and effective. To this end, the Insurance Regulatory and Development Authority of India (Irdai) has even constituted a working group, said the first person.
Among the proposed measures to boost subscriptions are an option for individuals to pay premiums for at least three years upfront and expanding the distribution base through government financial inclusion channels, such as digital banking units (DBUs), the second person added.
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