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Pravasi Bharatiya Bima Yojana

Pravasi Bharatiya Bima Yojana

Pravasi Bharatiya Bima Yojana

The Government of India has introduced the Pravasi Bharatiya Bima Yojana (PBBY) as an Insurance scheme for Indian emigrant workers. The key objective of this Pravasi Bharatiya Bima scheme is to safeguard Indian emigrant workers falling under the Emigration Check Required (ECR) category going for overseas employment to ECR countries. In this article, we look at the Pravasi Bharatiya Bima Yojana insurance coverage in detail.

Covered under Pravasi Bharatiya Bima Yojana

Following insurance are covered under Pravasi Bharatiya Bima Yojana.

Accidental death

The Insured Emigrant worker under PBBY will be covered for an amount of Rs.10.00 lakhs in the event of accidental death. The scheme also provides reimbursement for transporting the dead body, providing return economy class airfare to the nearest international airport to one attendant. Claim for reimbursement needs to be filed with the Insurance Company within 90 days from the date of completion of the journey.

Permanent disability

In case of permanent disability leading to loss of employment, the insured person will be covered for an amount of Rs.1000000. One attendant will also get reimbursement for return economy class airfare to the nearest international airport.

Medical insurance

Under PBBY, medical insurances are available for migrant workers up to Rs.100000. For hospitalization it covers up to Rs.50000. This insurance can be claimed for medical treatment during the insurance period in India, third country or in the country of his/her employment.The medical insurance covers the following.

  • Injuries
  • Sickness
  • Ailment

Note : In case above mentioned medical treatment is taken in India, cashless hospitalization will be provided under PBBY scheme.

Family hospitalization 

Family Hospitalization in India is available for spouse and 2 children. It is applicable for first two 2 children until they turn 21 years. Insurance for hospitalization in India covers up to Rs. 50000

Repatriation cover

Under PBBY, one-way economy class airfare to the nearest international airport in India is provided for medically unfit or premature termination of employment.


Pravasi Bharatiya Bima Yojana provides maternity expenses benefit to women emigrants. Maternity benefit covers up to Rs. 50000 in case of caesarean operation and Rs. 35000 in case of normal delivery per policy period.

Legal expenses

Pravasi Bharatiya Bima Yojana also grants legal expenses for litigation related to emigrant’s overseas employment. It covers about Rs.45000.

Note: The benefits under this PBBY Scheme will not apply in the event of war or internal conflict in the country to which the Indian holding the said policy has gone for work.

List of ECR Countries

Emigration check required countries are as follows:

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

Validity of Insurance

Citizen can obtain PPBY insurance from any Insurance Company in India. Such Insurance company should be duly registered with Insurance Regulatory and Development Authority of India (IRDAI).

The insurance policy obtained under Pravasi Bharatiya Bima Yojana will be valid for a period of 2 -3 years. Insurance can be renewed after 2 years. The insurance will remain valid during the visit of emigrant worker to India or any other country during the currency of PBBY insurance policy.