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What is Pravasi Bharatiya Bima Yojana?

The Pravasi Bharatiya Bima Yojana is a crucial welfare initiative by the Ministry of External Affairs (MEA) for Indian emigrant workers. Specifically designed for individuals in the Emigration Check Required (ECR) category, the scheme ensures financial security during overseas employment.

From medical emergencies to accidental deaths and legal expenses, Pravasi Bharatiya Bima Yojana offers comprehensive global insurance coverage. The policy also supports seamless online renewal and faster claim settlements.

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Key Features of Pravasi Bharatiya Bima Yojana

• Coverage of up to ₹10 lakhs in case of accidental death or permanent disability
• Worldwide validity regardless of employer or job location
• Medical coverage of ₹1,00,000 including hospitalization up to ₹50,000 per instance
• Online renewal available through a user-friendly portal
• Repatriation assistance for medically unfit or job termination cases
• Maternity benefits for women emigrants
• Legal expenses covered up to ₹45,000
• Airfare reimbursement for an attendant in accidental cases

This makes the Pravasi Bharatiya Bima Yojana a reliable support system for Indian workers abroad.

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Who is Eligible for Pravasi Bharatiya Bima Yojana?

To apply for the Pravasi Bharatiya Bima Yojana, applicants must meet the following criteria:

• Must be an Indian emigrant cleared for overseas employment under ECR category
• Age between 18 to 65 years
• Employment in ECR countries

The scheme aims to protect vulnerable Indian workers and offers a hassle-free application process.

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Benefits of Pravasi Bharatiya Bima Yojana

The Pravasi Bharatiya Bima Yojana provides wide-ranging benefits:

1. Accidental Death & Disability Cover

• ₹10 lakh coverage for death or total permanent disability during employment abroad

2. Medical Insurance

• Up to ₹1,00,000 for injuries, diseases, and hospital stays
• Maximum of ₹50,000 per hospitalization event

3. Family Benefits in India

• ₹50,000 for spouse and two children (up to 21 years) for hospitalization
• ₹50,000 maternity expenses for women emigrants

4. Legal and Travel Assistance

• ₹45,000 for legal expenses relating to overseas employment
• One-way airfare for return to India in case of termination or health issues
• Airfare reimbursement for attendant in case of accidental death

5. Certification by Indian Missions

• Death/disability certified by Indian Embassies or Missions is accepted by insurers

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How to Apply for Pravasi Bharatiya Bima Yojana

Step-by-step Application Process

1. Visit an authorized insurance provider’s official website
2. Navigate to Pravasi Bharatiya Bima Yojana section
3. Fill in the required details (Name, Passport, Age, Country of Employment, etc.)
4. Upload mandatory documents like:
   • Passport copy
   • Visa copy
   • Employment contract
5. Pay the premium online
6. Receive the policy document on email

Documents Required

• Valid Passport
• ECR clearance proof
• Employment contract or offer letter
• Visa copy

Premium Amount

Premiums vary based on coverage period and insurance provider. Generally, it ranges between ₹275 to ₹375 for a 2-3 year term.

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Online Renewal of Pravasi Bharatiya Bima Yojana

Renewing your Pravasi Bharatiya Bima Yojana is now easier than ever. Most insurers offer:

• Online login portals
• Auto-filled renewal forms
• Digital payment options
• Instant policy generation

You must renew before the policy expires to avoid a lapse in coverage.

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Why Pravasi Bharatiya Bima Yojana is Important

Every year, thousands of Indian workers move to Gulf and other ECR countries. The Pravasi Bharatiya Bima Yojana ensures their families aren’t left vulnerable in emergencies. From accidental death to repatriation expenses, this scheme offers unmatched security.

Key Takeaways

• Mandatory for ECR passport holders
• Quick claim settlement
• Acceptable globally
• Peace of mind for families in India

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Top Insurance Companies Offering Pravasi Bharatiya Bima Yojana

Here are some top insurers where you can apply for Pravasi Bharatiya Bima Yojana:

• New India Assurance
• Oriental Insurance
• United India Insurance
• National Insurance
• ICICI Lombard
• Bajaj Allianz

Ensure you choose IRDAI-approved providers for genuine benefits.

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Frequently Asked Questions (FAQs)

Q1. Is Pravasi Bharatiya Bima Yojana mandatory?

Yes, it is mandatory for all ECR passport holders going for overseas employment.

Q2. Can I apply for Pravasi Bharatiya Bima Yojana online?

Yes, the scheme supports online applications and renewals via authorized insurance providers.

Q3. What is the validity of the Pravasi Bharatiya Bima Yojana?

The policy is typically valid for 2 to 3 years, depending on your employment duration.

Q4. Can the policy be transferred to another employer?

Yes. It remains valid even if the insured changes job or employer, as long as they remain abroad.

Q5. Is maternity coverage available?

Yes, women emigrants can avail maternity benefits up to ₹50,000 under the scheme.

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Conclusion

The Pravasi Bharatiya Bima Yojana stands as a beacon of security for Indian emigrants working in ECR countries. By offering comprehensive insurance coverage, simplified application, and faster claims, the scheme ensures that Indian workers and their families stay financially secure even while working far from home.

If you’re planning to work abroad, don’t miss out on this crucial insurance coverage. Apply for Pravasi Bharatiya Bima Yojana today and secure your future.

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