**Executive Summary**
This document presents the Finance Minister's response to a Lok Sabha starred question regarding insurance and financial awareness in Andhra Pradesh. It outlines the insurance awareness campaigns conducted, the response from the rural population towards insurance schemes, and the government's efforts to make insurance products more accessible. The response includes information up to December 15th, 2025, and states that further details are laid on the Table of the House.
**Key Points / Main Content**
* **Insurance Awareness Campaigns:**
* A pan-India insurance awareness campaign with the tagline "Achha Kiya Insurance Liya" was launched in May 2025 by the General Insurance Council. It has been disseminated nationwide.
* Regular campaigns are held at the grass-root level to increase coverage under Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), and other social security schemes.
* A 4-month "Financial Inclusion Saturation Campaign" was launched across the country in 2.70 lakh gram panchayats and Urban Local Bodies (ULBs) from 01.07.2025 to 31.10.2025, with 12,602 camps held in Andhra Pradesh.
* Public sector insurers conducted 16 awareness camps in Vizianagaram, Kurnool and Kadapa districts during the current financial year.
* **Social Security Schemes:**
* **Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY):** Offers ₹2 lakh insurance coverage for individuals aged 18-50 in case of death, with an annual premium of ₹436. Cumulative rural enrolments stand at 15.97 crore as of 26.11.2025.
* **Pradhan Mantri Suraksha Bima Yojana (PMSBY):** Offers ₹2 lakh insurance coverage for accidental death or total permanent disability and ₹1 lakh for partial permanent disability to individuals aged 18-70, with an annual premium of ₹20. Cumulative rural enrolments stand at 36.62 crore as of 26.11.2025.
* **Pradhan Mantri Jan Arogya Yojana (PMJAY):** Offers a health cover of ₹5 lakh per family per year for secondary and tertiary care hospitalisation. Total number of 42.31 crore Ayushman cards created under the scheme as on 31.10.2025.
* **Pradhan Mantri Fasal Bima Yojana (PMFBY):** Offers safeguards to farmers against crop losses due to unpredictable natural hazards. Farmer applications enrolled during FY 2024-25 stands at 15.14 crore which is up from 14.36 crore applications during FY 2023-24.
**Impact Analysis**
**Rural Population of Andhra Pradesh**
* **Impact:** Increased awareness of insurance and financial literacy, access to social security schemes, and financial protection against death, disability, health emergencies, and crop losses.
* **Action Required:** Participate in awareness campaigns, enroll in relevant social security schemes (PMJJBY, PMSBY, PMJAY, PMFBY) to avail the benefits.
**Banks**
* **Impact:** Required to organize camps at gram panchayat and ULB levels to achieve saturation in PMJJBY and PMSBY enrollments.
* **Action Required:** Actively participate in the "Financial Inclusion Saturation Campaign" by organizing camps, providing information and assistance to residents for enrolling in the schemes.
**Farmers**
* **Impact:** Safeguarded against crop losses.
* **Action Required:** Enroll into PMFBY, paying capped premiums of 2% for Kharif, 1.5% for Rabi and 5% for commercial/horticultural crops.
Key Entities Referenced
Insurance Regulatory and Development Authority of India (IRDAI): The regulatory body mentioned as being involved in insurance awareness campaigns.
Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY): A social security scheme offering life insurance coverage.
Pradhan Mantri Suraksha Bima Yojana (PMSBY): A social security scheme offering accidental death and disability insurance coverage.
Pradhan Mantri Jan Arogya Yojana (PMJAY): A scheme offering health insurance coverage for hospitalization.
Andhra Pradesh: The state in which the insurance awareness and financial literacy campaigns are being conducted.
GOVERNMENT OF INDIA
MINISTRY OF FINANCE
DEPARTMENT OF FINANCIAL SERVICES
LOK SABHA
STARRED QUESTION No. *209
ANSWERED ON MONDAY, 15TH DECEMBER, 2025/ /AGRAHAYANA 24, 1947 (SAKA)
Insurance and Financial Awareness in Andhra Pradesh
*209. DR. C M RAMESH:
Will the Minister of Finance be pleased to state:
(a) whether any insurance awareness and financial literacy campaigns have been conducted
in Andhra Pradesh by Insurance Regulatory and Development Authority of India (IRDAI) or
public sector insurers;
(b) if so, the number of such programmes held in rural and aspirational districts of
Vizianagaram, Kurnool and Kadapa;
(c) the response of the rural population towards life and health insurance schemes; and
(d) the steps taken/proposed to be taken by the Government to make insurance products
simpler and affordable for low-income households?
ANSWER
THE FINANCE MINISTER
(SMT. NIRMALA SITHARAMAN)
(a) to (d): A Statement is laid on the Table of the House.
***********STATEMENT REFERRED TO IN REPLY TO PART (a) TO (d) OF LOK SABHA STARRED
QUESTION NO. *209 FOR 15th DECEMBER, 2025 REGARDING “INSURANCE AND
FINANCIAL AWARENESS IN ANDHRA PRADESH” TABLED BY DR. C M RAMESH,
HON’BLE MEMBER OF PARLIAMENT
(a) & (b) : As per the directions of Insurance Regulatory and Development Authority of India, a
pan India insurance awareness and education campaign has been launched by
General Insurance Council in May 2025, with the tagline “Achha Kiya Insurance Liya”.
The multi-platform insurance awareness campaign has been disseminated
nationwide through television, digital platforms and outdoor media.
Further, in order to increase coverage under Pradhan Mantri Jeevan Jyoti Bima
Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY) and other social
security schemes, regular campaigns are held from time to time at grass root level
with active participation of banks and local administration. Recently, a 4-month
“Financial Inclusion Saturation Campaign” was launched across the country in 2.70
lakh gram panchayats and Urban Local Bodies (ULBs) from 01.07.2025 to
31.10.2025. To achieve saturation in PMJJBY and PMSBY, camps were organized
at gram panchayat level and ULBs by Banks, providing residents with direct access
to information and assistance for enrolling in the scheme. The initiative aimed to raise
awareness and improve participation, helping to bridge gaps in rural areas including
enrolments on the spot. During the 4-month campaign period, 12,602 camps were
held across Andhra Pradesh and 484, 777 and 557 camps were held in Kurnool,
Vizianagaram and Kadapa districts respectively. In addition, public sector insurers
conducted 16 awareness camps in these districts of Andhra Pradesh during the
current financial year.
(c) &(d): The Government has launched various social security schemes from time to time to
offer affordable insurance coverage to all the citizens including low-income groups.
The salient features of such schemes are given below:
i. Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) offers insurance coverage
of Rs 2 lakhs to the people in the age group of 18-50 years in case of death of
the insured, due to any reason, at an annual premium of Rs 436/-. As on
26.11.2025, cumulative enrolments under PMJJBY in rural areas, since its
inception, stand at 15.97 crore.
ii. Pradhan Mantri Suraksha Bima Yojana (PMSBY) offers insurance coverage to
the people in the age group of 18-70 years for Rs. 2 lakhs in case of accidental
death or total permanent disability and Rs. 1 lakh for partial permanent disability;
due to accident, at a premium of Rs. 20 per annum. As on 26.11.2025,
cumulative enrolments under PMSBY in rural areas, since its inception, stand
at 36.62 crore.
iii. Pradhan Mantri Jan Arogya Yojana (PMJAY) offers a health cover of ₹5 lakh
per family per year for secondary and tertiary care hospitalisation. As on
31.10.2025, total number of 42.31 crore Ayushman cards created under the
scheme.
iv. Pradhan Mantri Fasal Bima Yojana (PMFBY) offers safeguards to farmers
against crop losses caused by unpredictable natural hazards. Under the
scheme, premium paid by farmers is capped at 2% for Kharif, 1.5% for Rabi and
5% for commercial/horticultural crops. Farmer applications enrolled during FY
2024-25 stands at 15.14 crore which is up from 14.36 crore applications during
FY 2023-24.
*****