Insurance schemes in India
Browse 20 schemes in India. Tap any scheme to see who is eligible, the benefits, and how to apply — each verified against its official source.
Government insurance schemes for life, accident, and health
Government insurance schemes offer very low-cost protection that ordinary insurance often prices out of reach. For a tiny annual premium, schemes like Pradhan Mantri Jeevan Jyoti Bima Yojana (life cover) and Pradhan Mantri Suraksha Bima Yojana (accident cover) give families a meaningful safety net, while health and crop-insurance schemes cover medical and farming risks.
The premiums are usually auto-debited from your bank account once a year, so the cover lapses if the balance is short on the renewal date — worth setting a reminder. Most of these schemes need only a savings account, Aadhaar, and a nominee. Explore the options below and use the checker to see which protection fits your family.
Aam Aadmi Bima Yojana offers life insurance to unorganized sector workers in India, providing financial support in case of death or disability.
StateAnnual Insurance Premium for Boat OwnersThe scheme offers a subsidy for boat owners in Puducherry to support their annual insurance premiums.
CentralAyushman Bharat PM-JAYFree, cashless health cover of ₹5 lakh per family per year at empanelled hospitals, for poor and vulnerable families — and for all citizens aged 70+.
StateChief Minister's Comprehensive Health Insurance SchemeThe Chief Minister's Comprehensive Health Insurance Scheme offers health insurance coverage to low-income families in Tamil Nadu.
StateChief Minister’s Comprehensive Health Insurance SchemeThe scheme provides comprehensive health insurance for differently abled individuals and their families in Tamil Nadu.
StateChief Minister’s Health Insurance Scheme - NagalandThe Chief Minister’s Health Insurance Scheme in Nagaland offers financial protection for medical expenses to eligible residents.
CentralCoconut Palm Insurance SchemeThe Coconut Palm Insurance Scheme provides insurance coverage for coconut palms against various risks and perils.
StateContributory Social Security SchemeThe Contributory Social Security Scheme provides social security to marginal workers in Jammu and Kashmir.
StateDr. YSR Aarogyasri Health Insurance SchemeThe Dr. YSR Aarogyasri Health Insurance Scheme offers financial assistance for healthcare to low-income families in Andhra Pradesh.
StateEmployee Health SchemeThe Employee Health Scheme in Andhra Pradesh provides cashless healthcare services to state government employees and pensioners.
StateGopinath Munde Shetkari Apghat Suraksha Sanugrah Audhan YojanaThe Gopinath Munde Shetkari Apghat Suraksha Sanugrah Audhan Yojana provides financial assistance to farmers in Maharashtra for accidental death or disability.
StateInsurance Scheme For ArtisansThe Insurance Scheme for Artisans in Puducherry provides financial assistance to artisans in case of natural death or disability.
CentralKhadi Karigar Janashree Bima YojanaThe Khadi Karigar Janashree Bima Yojana offers insurance coverage for khadi artisans against death and disability.
StateMukhmantri Sehat Bima YojanaMukhmantri Sehat Bima Yojana offers health insurance coverage of ₹5 lakh per family annually for eligible residents of Punjab.
StateMukhya Mantri Jan Kalyan (Sambal 2.0) YojanaThe Mukhya Mantri Jan Kalyan (Sambal 2.0) Yojana offers social security benefits to unorganized workers in Madhya Pradesh.
CentralPradhan Mantri Fasal Bima YojnaThe Pradhan Mantri Fasal Bima Yojna offers crop insurance to farmers against losses from natural disasters.
CentralPradhan Mantri Garib Kalyan Package: Insurance Scheme For Health Workers Fighting COVID-19Insurance coverage for health workers who die due to COVID-19 or related duties, providing a one-time benefit of ₹50 lakh.
CentralPradhan Mantri Jeevan Jyoti Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana provides life insurance coverage of ₹2 lakh for individuals aged 18 to 50.
StateRs 5 Lakh Insurance Cover To FarmersTelangana offers a Rs 5 lakh insurance cover for farmers aged 18 to 60, funded by the state government.
StateRythu Bima SchemeThe Rythu Bima Scheme provides financial assistance to farmers' families in Telangana in case of death or permanent disability.