About this banking scheme
A mandatory insurance scheme by Ministry of External Affairs (MEA) for safeguarding the interests of Indian emigrant workers falling under Emigration Check Required (ECR) category going for overseas employment to ECR countries.
A mandatory insurance scheme by Ministry of External Affairs (MEA) for safeguarding the interests of Indian emigrant workers falling under Emigration Check Required (ECR) category going for overseas employment to ECR countries. PBBY also includes global insurance coverage irrespective of employer and location, has facility for online renewal and a simplified process for certification of accidental death / permanent disability. The scheme is now more beneficial for emigrant workers and is aimed at ensuring an expeditious settlement of claims.
Benefits at a glance
| Scheme name | Pravasi Bharatiya Bima Yojana (PBBY) |
|---|---|
| Launched by | Ministry Of External Affairs |
| Launch year | 2003 |
| Benefit type | Composite (cash plus goods or services) |
| Category | Banking |
| Level / State | Central · All India |
| Official portal | mea.gov.in (see References at the end) |
Key facts
| Scheme for | Individual |
|---|---|
| Application mode | Online |
| Last date | Not given in the official listing |
| DBT (direct bank transfer) | No |
| Age | 18 to 65 years |
Who can apply (quick check)
- 👤All genders
- 🎂Age 18 to 65 years
- 📝Online
Quick check from official data. Full conditions are in the Eligibility section.
What you receive
- The Insured person shall be covered for a sum of Rs. 10 Lakh in the event of accidental death or permanent disability leading to loss of employment while in employment abroad, irrespective of change of employer/location of insured person.
- Certification of accidental death or permanent disability by Indian Missions and Posts abroad shall be accepted by the insurance companies.
- Medical insurance cover including injuries / sickness / ailment / diseases available up to Rs. 1,00,000/- (up to Rs. 50,000 per hospitalization).
- Repatriation cover for medically unfit/premature termination of employment: Actual one-way economy class air fare to the nearest international airport in India.
- Family Hospitalization in India is available up to Rs. 50,000/- for Spouse and first two children up to 21 years of age.
- Maternity expenses benefit to women emigrants available up to Rs. 50,000/-.
- Reimbursement of return economy class air fare to the nearest international airport to one attendant in case of emigrant’s accidental death or permanent disability.
- Legal expenses on litigation related to emigrant’s overseas employment admissible up to Rs. 45,000/-.
- Provision for online renewal of PBBY policy.
Who qualifies
- The applicant must be an Overseas Indian (cleared emigration)
- The age of the applicant must be between 18 - 65 Years (Maximum entry age is subject to emigration clearance).
Who is not eligible
NA
Papers to keep ready
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In case of death due to accident:
Permanent Total Disability:
In case of permanent total disability, documents depending on the nature of claim as may be sought by the Company, inter alia –
Registration walkthrough
Online
(The purchase of PBBY can be done online. Entities such as IFFCO-TOKIO General Insurance and Oriental Insurance offer multiple online channels from where you can buy the PBBY policy.)
Before starting with your application, you must keep all your travel-related documents such as Passport, Visa, Work Permit No. etc. ready with you.
Step 1: If you are a new customer, then you first need to fill in all the relevant details in the online form, and then you shall be automatically taken to the payment page.
Step 2: When prompted on the screen fill in all the mandatory details correctly.
Step 3: You will be directed to the premium payment page, where you can select from any of the acceptable modes of payment and make the payment as per your policy premium. You can select the most suitable payment option for you and make the payment accordingly.
Accepted Modes of Payment: UPI, Internet Banking, Debit Card, Online Wallets, Credit Card (Master card, Visa and American Express).
Step 4: After the payment has been successfully processed, you will be directed to the confirmation page. You must download the receipt for future reference.
Important dates
| Launch / start | 01 Jan 2003 |
|---|
Terms used in this scheme
- ECR Countries
Afghanistan, Bahrain, Iraq, Indonesia, Kingdom of saudi Arabia, Kuwait, Jordan, Libya, Lebanon, Malaysia, Oman, Qatar, Sudan, Syria, Thailand, UAE and Yemen.
[https://www.mea.gov.in/emigration-abroad-for-emp.htm]
- Accidental
An accident means sudden, unforeseen and involuntary event caused by external, visible and violent means.
- Hospitalization
means admission in a Hospital for a minimum period of 24 consecutive In Patient Care hours except for specified procedures/ treatments, where such admission could be for a period of less than 24 consecutive hours.
- Family
the Insured Person, Insured Person’s spouse and first two dependent children up to twenty one years of Age.
- Emigrant
Emigrant means any citizen of India who intends to emigrate, or emigrates, or has emigrated but does not include:
i. A dependent of emigrant, whether such dependent accompanies that emigrant, or departs subsequently for the purpose of joining that emigrant in the country to which that emigrant has lawfully emigrated.
ii. Any person who has resided outside India at any time after attaining the age of eighteen years, for not less than three years or spouse or child of such person.
- Injury
Injury means accidental physical bodily harm excluding illness or disease solely and directly caused by external, violent, visible and evident means which is verified and certified by a Medical Practitioner.
- Maternity expenses
a) medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization);
b) expenses towards lawful medical termination of pregnancy during the policy period.
- Surgery
manual and / or operative procedure (s) required for treatment of an illness or injury, correction of deformities and defects, diagnosis, and cure of diseases, relief of suffering or prolongation of life, performed in a Hospital or day care Centre by a Medical Practitioner.
- Overseas Indian
Non-Resident Indians and Persons of Indian Origin (PIOs)
- Person of Indian Origin (PIO)
A Person of Indian Origin (PIO) means a foreign citizen (except a national of. Pakistan, Afghanistan Bangladesh, China, Iran, Bhutan, Sri Lanka and Nepal) who at any time held an Indian passport. Or. who or either of their parents/ grand parents/ great grandparents was born.
- Overseas Indian (non-resident Indian)
"non-resident Indian" means an individual, being a citizen of India or a person of Indian origin who is not a "resident".
A person shall be deemed to be of Indian origin if he, or either of his parents or any of his grand-parents, was born in undivided India;
Frequently asked questions
Is hospitalization benefit also available for children?
Yes, the family hospitalization (in India) is available for the first two children up to 21 years of age.
Do I need to visit the Indian Mission in order to renew the insurance policy?
No, the scheme has provision for online renewal of the PBBY policy.
Are there any facilities for pregnant woman emigrant?
Yes, maternity expenses benefit up to Rs. 50,000/- is available for women emigrants.
What benefits can a PwD emigrant avail under PBBY?
A PwD emigrant can avail the following benefits under PBBY:
Reimbursement of return economy class air fare to the nearest international airport to one attendant in case of emigrant’s permanent disability.
The Insured person shall be covered for a sum of Rs. 10 Lakh in the event of permanent disability leading to loss of employment while in employment abroad, irrespective of change of employer/location of insured person.
References and official sources
Apply only on the official portal. Nothing is applied for on this site, and applying is free.
- Oriental Insurance Policy Document orientalinsurance.org.in
- BAJAJ Allianz Policy Document (PDF) irdai.gov.in
grokipedia.org.in is not affiliated with any government department. Apply only on the official portal and never pay anyone for an application.
The details on this page are from the official listing and have not been rewritten or reviewed by our team yet. Confirm them on the official portal before applying.
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