Jan Suraksha is India’s tryst to insure its masses. Launched in May 2015, Jan Suraksha together with Pradhan Mantri Jan Dhan Yojana (PMJDY) forms the largest financial inclusion programme in the world. Given the numbers and outreach (131.91 million covered) there is little doubt that Jan Suraksha schemes represent a paradigm shift in the social insurance landscape of India. MicroSave’s national level assessment study2 of the two Jan Suraksha schemes Pradhan Mantri Suraksha Bima Yojana (PMSBY) and Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) is the first of its kind. It makes recommendations to strengthen the delivery of the vision behind this innovative initiative.
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