Top 10 Government Insurance Schemes for TNPSC & UPSC Exams – Must-Know for Prelims & Mains”

 :

• Government insurance schemes in India (₹30+ CPC)
• Best insurance scheme for farmers (₹25+ CPC)
• Pradhan Mantri Jeevan Jyoti Bima Yojana benefits (₹20+ CPC)
• LIC policy for poor (₹20+ CPC)
• UPSC mains 2025 insurance schemes (₹18+ CPC)
• TNPSC economy current affairs 2025 (₹15+ CPC)

🔸 Introduction

Understanding government-backed insurance schemes is crucial for TNPSC/UPSC aspirants. These schemes often appear in Economy, Social Justice, and Welfare sections of the exam and are also linked to real-life financial awareness.

---

🔹 1. Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)

• Eligibility: 18–50 years with a bank account.
• Premium: ₹436 per year.
• Coverage: ₹2 Lakh on death due to any reason.
• Tamil: இறப்புக்கான காப்பீட்டுத் தொகை ரூ.2 லட்சம் வரை வழங்கப்படும்.

---

🔹 2. Pradhan Mantri Suraksha Bima Yojana (PMSBY)

• Accidental death/disability insurance.
• Premium: ₹20 per year.
• Coverage: ₹2 Lakh for accidental death.
• Tamil: ஆண்டு ரூ.20 காப்பீடு பிரீமியமாக வழங்கவேண்டும்.

---

🔹 3. Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana

• World’s largest health insurance scheme.
• Covers ₹5 lakh per family/year.
• Over 50 crore beneficiaries.
• Tamil: ஆண்டுக்கு ரூ.5 லட்சம் வரை மருத்துவக் காப்பீடு.

---

🔹 4. Atal Pension Yojana (APY)

• For unorganised workers.
• Monthly pension up to ₹5000 after 60.
• Backed by government guarantee.
• Tamil: 60 வயதுக்கு பிறகு மாத சம்பளம் உறுதி செய்யும் திட்டம்.

---

🔹 5. LIC Aam Aadmi Bima Yojana

• Target: Landless households.
• Life cover: ₹30,000 on natural death, ₹75,000 on accident.
• Tamil: நிலம் இல்லாத மக்களுக்கு வாழ்க்கைக் காப்பீடு.

---

🔖  How These Schemes Help in UPSC/TNPSC

• Appears in GS Paper II & III (UPSC), and Unit 8 & 9 (TNPSC Group I/II/IV).
• Important for Essay and Ethics case studies.
• TNPSC frequently asks about beneficiaries, funding, and features