Pravasi Bharatiya Bima Yojana

The Government of India has introduced the Pravasi Bharatiya Bima Yojana (PBBY) as an insurance scheme designed to protect Indian emigrant workers. The primary objective of this Pravasi Bharatiya Bima Yojana is to ensure the safety and security of Indian emigrant workers in the Emigration Check Required (ECR) category who seek overseas employment in ECR countries. This article provides a detailed overview of the insurance coverage offered by Pravasi Bharatiya Bima Yojana.

Insurance Coverage Offered

The Pravasi Bharatiya Bima Yojana covers the following insurance components:

Accidental Death

In the unfortunate event of accidental death, the insured emigrant worker under PBBY is entitled to coverage of Rs.10.00 lakhs. The scheme also ensures the reimbursement of transportation costs for the deceased's body, along with the return economy class airfare for one attendant. It is important that claims for such reimbursement are filed with the insurance company within 90 days of completion of the journey.

Permanent Disability

For cases involving permanent disability resulting in loss of employment, the insured individual is covered for an amount of Rs.10.00 lakhs. Additionally, one attendant is eligible for reimbursement of return economy class airfare to the nearest international airport. Consider exploring Saral Jeevan Bima Yojana for other life insurance options.

Medical Insurance

The PBBY provides medical insurance for migrant workers up to Rs.1,00,000, with hospitalization coverage capped at Rs.50,000. This insurance is applicable for medical treatment during the insurance period in India, a third country, or the worker's country of employment. Coverage includes:

Injuries
Sickness
Ailment

In cases where treatments are conducted in India, cashless hospitalization is provided under the scheme.

Family Hospitalization

Coverage for family hospitalization in India is available for the spouse and up to 2 children of the insured, applicable until the children reach the age of 21. The hospitalization insurance offers coverage up to Rs.50,000. For additional health insurance needs, consider the Mukhyamantri Swasthya Bima Yojana.

Repatriation Cover

PBBY provides a one-way economy class airfare to the nearest international airport in India for workers who become medically unfit or in cases of premature employment termination. This ensures safe return without additional expense.

Pregnancy Expenses

The scheme extends maternity benefits to women emigrants, covering up to Rs.50,000 in the event of a caesarean operation and Rs.35,000 for normal delivery per policy period. Learn about additional schemes for comprehensive coverage, such as Aam Aadmi Bima Yojana.

Legal Expenses

Pravasi Bharatiya Bima Yojana also facilitates coverage for legal expenses related to litigation stemming from the emigrant's overseas employment, with a cover of approximately Rs.45,000. Please note that benefits under PBBY do not extend in situations of war or internal conflict within the worker's destination country.

List of ECR Countries

The following countries fall under the Emigration Check Required (ECR) category:

Yemen
United Arab Emirates
Thailand
Syria
Sultanate of Oman
Sudan
South Sudan
Qatar
Malaysia
Afghanistan
Indonesia
Bahrain
Iraq
Kingdom of Saudi Arabia
Jordan
Libya
Lebanon

Validity of Insurance

Insurance can be obtained under the PBBY from any insurance company registered with the Insurance Regulatory and Development Authority of India (IRDAI). The Rashtriya Swasthya Bima Yojana might also be of interest for those seeking alternative schemes. The policy is valid for a period of 2 to 3 years and can be renewed biennially. It remains effective during visits to India or any other country during this period. Moreover, explore the Pradhan Mantri Suraksha Bima Yojana for additional personal accident insurance options.

For those specifically interested in agricultural insurance, check out the Pradhan Mantri Fasal Bima Yojana for related schemes.

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Frequently Asked Questions

Common questions about Pravasi Bharatiya Bima Yojana Insurance Benefits.

The Pravasi Bharatiya Bima Yojana (PBBY) is an insurance scheme introduced by the Government of India for Indian emigrant workers falling under the Emigration Check Required (ECR) category, who are going for overseas employment to ECR countries. Its key objective is to safeguard these workers through various insurance coverages.

PBBY provides coverage for accidental death (Rs. 10 lakhs), permanent disability (Rs. 10 lakhs), medical insurance (up to Rs. 1 lakh), family hospitalization in India (up to Rs. 50,000), repatriation expenses, maternity expenses (up to Rs. 50,000 for caesarean, Rs. 35,000 for normal delivery), and legal expenses (up to Rs. 45,000).

The PBBY insurance policy is valid for a period of 2-3 years. It can be renewed after 2 years. The insurance remains valid during the emigrant worker's visit to India or any other country during the policy's currency.

Any insurance company in India that is duly registered with the Insurance Regulatory and Development Authority of India (IRDAI) can offer the PBBY insurance policy.

In the event of accidental death, the insured emigrant worker under PBBY will be covered for an amount of Rs. 10 lakhs. The scheme also provides reimbursement for transporting the dead body and return economy class airfare to the nearest international airport for one attendant.

Under PBBY, medical insurance is available for migrant workers up to Rs. 1 lakh. It covers up to Rs. 50,000 for hospitalization. This insurance can be claimed for medical treatment in India, the country of employment, or a third country during the insurance period, covering injuries, sickness, and ailments.

Yes, PBBY provides maternity expenses benefits to women emigrants. It covers up to Rs. 50,000 for caesarean operations and Rs. 35,000 for normal deliveries per policy period.

In case of permanent disability leading to loss of employment, the insured person will be covered for an amount of Rs. 10 lakhs under PBBY. One attendant will also get reimbursement for a return economy class airfare to the nearest international airport.

Yes, PBBY also grants legal expenses coverage of up to Rs. 45,000 for litigation related to the emigrant's overseas employment.

Yes, PBBY provides family hospitalization coverage in India for the spouse and up to two children (until they turn 21 years old) of the insured emigrant worker. It covers up to Rs. 50,000 for hospitalization in India.