Delhi Chief Minister Rekha Gupta on Sunday, 28 June 2026, shared a key excerpt from Prime Minister Narendra Modi's address on Mann Ki Baat, spotlighting the massive enrolment figures under two flagship micro-insurance schemes — Pradhan Mantri Suraksha Bima Yojana (PMSBY) and Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) — that together now cover over 85 crore Indians.

Context

Quoting the Prime Minister directly, CM Gupta shared Modi's words from Mann Ki Baat: 'Sarkar desh ke croro parivaron tak suraksha ka kavach pahuncha rahi hai' — 'The government is extending a shield of security to crores of families across the country.' The post, shared with the hashtag #MannKiBaat, drew attention to the affordability and scale of both schemes.

Under PMSBY, an annual premium of just Rs 20 provides accidental death and disability cover of up to Rs 2 lakh. As of the date of the address, more than 58 crore people have enrolled in the scheme, of whom approximately 28 crore are women — mothers, sisters, and daughters, as the Prime Minister noted.

Policy Backdrop

PMSBY and PMJJBY were both launched in May 2015 as part of the central government's financial inclusion drive, aimed at bringing low-cost insurance to those outside the formal insurance market. PMJJBY offers a life cover of Rs 2 lakh on the death of the insured, at an annual premium of just Rs 436 — which Prime Minister Modi characterised as barely Rs 1.50 per day. More than 27 crore people have enrolled under PMJJBY so far.

Both schemes are linked to savings bank accounts and are renewable annually. They are administered through public sector banks and regional rural banks, making enrolment accessible even in remote areas. The combined outreach of over 85 crore enrolments across both schemes represents one of the largest micro-insurance mobilisations in the world.

Stakeholders and Impact

The emphasis on 28 crore women beneficiaries under PMSBY underscores the government's stated focus on financial security for women, particularly in rural and semi-urban households where the primary earner's accidental death or disability can be catastrophic. For families living near or below the poverty line, a Rs 2 lakh payout can mean the difference between debt and stability.

PMJJBY's life cover similarly targets households where breadwinners lack access to conventional life insurance. At Rs 436 per year, the scheme is designed to be within reach of daily-wage workers and small farmers. The government has periodically revised the premium — it was raised from Rs 330 in 2022 — while keeping the cover amount unchanged at Rs 2 lakh.

What's Next

With CM Rekha Gupta amplifying the Prime Minister's message, the BJP's communication strategy appears focused on reinforcing the welfare credentials of both schemes ahead of continued outreach in states including Delhi, where the party governs. The government has previously set targets to expand enrolment further, particularly among unbanked and under-banked populations.

As Mann Ki Baat continues to serve as a direct-to-citizen communication platform for Prime Minister Modi, state-level leaders sharing its key messages signals a coordinated push to ensure scheme awareness reaches the grassroots — a pattern likely to intensify as the government approaches the completion of a decade since both schemes were launched in 2015.