Banking
Active
Pravasi Bharatiya Bima Yojana
Ministry Of External Affairs
Last updated:
Key dates and updates
Important milestones for this scheme. Use official links to verify before you apply.
| Milestone | Date |
|---|---|
| Scheme launch |
Overview
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.
Details
Description
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.
Definitions
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]
(Source: 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.
(Source: https://www.mea.gov.in/images/attach/the_scheme_new_01_08_2016.pdf)
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.
(Source: https://www.mea.gov.in/images/attach/the_scheme_new_01_08_2016.pdf)
Family
the Insured Person, Insured Person’s spouse and first two dependent children up to twenty one years of Age.
(Source: https://www.mea.gov.in/images/attach/the_scheme_new_01_08_2016.pdf)
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.
(Source: https://www.mea.gov.in/images/attach/the_scheme_new_01_08_2016.pdf)
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.
(Source: https://www.mea.gov.in/images/attach/the_scheme_new_01_08_2016.pdf)
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.
(Source: https://www.mea.gov.in/images/attach/the_scheme_new_01_08_2016.pdf)
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.
(Source: https://www.mea.gov.in/images/attach/the_scheme_new_01_08_2016.pdf)
Overseas Indian
Non-Resident Indians and Persons of Indian Origin (PIOs)
(Source: https://www.mea.gov.in/images/attach/the_scheme_new_01_08_2016.pdf)
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.
(Source: https://www.incometaxindia.gov.in/pages/i-am/non-resident.aspx?k=Non-Resident%20Indian/Person%20of%20Indian%20Origin#)
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;
(Source: https://www.incometaxindia.gov.in/pages/i-am/non-resident.aspx?k=Non-Resident%20Indian/Person%20of%20Indian%20Origin#)
Benefits
• The Insured person shall be covered for a sum of ₹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 ₹1,00,000/- (up to ₹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 ₹50,000/- for Spouse and first two children up to 21 years of age.
• Maternity expenses benefit to women emigrants available up to ₹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 ₹45,000/-.
• Provision for online renewal of PBBY policy.
Eligibility Criteria
1. The applicant must be an Overseas Indian (cleared emigration)
2. The age of the applicant must be between 18 - 65 Years (Maximum entry age is subject to emigration clearance).
Application Process
Step 1: (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.)
Online
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 2: 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.
Online
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 3: Step 2: When prompted on the screen fill in all the mandatory details correctly.
Online
Step 2: When prompted on the screen fill in all the mandatory details correctly.
Step 4: 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 paymen…
Online
Accepted Modes of Payment: UPI, Internet Banking, Debit Card, Online Wallets, Credit Card (Master card, Visa and American Express).
Step 5: 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.
Online
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.
Required Documents
• Police Report confirming accidental death.
• Post Mortem Report.
• Certificate / Report from concerned Indian Embassy.
• Duly attested copy of passport (all pages).
• Medical records pertaining to treatment following the accident.
• Disability certificate issued by the competent medical authority.
• Original insurance certificate / policy.
• Application form for compensation duly filled in all respects and signed by the claimant.
• Copy of passport (all pages) duly attested, if death occurs outside India.
Frequently Asked Questions
Q: Is hospitalization benefit also available for children?
A: Yes, the family hospitalization (in India) is available for the first two children up to 21 years of age.
Q: Do I need to visit the Indian Mission in order to renew the insurance policy?
A: No, the scheme has provision for online renewal of the PBBY policy.
Q: Are there any facilities for pregnant woman emigrant?
A: Yes, maternity expenses benefit up to [?]50,000/- is available for women emigrants.
Q: What benefits can a PwD emigrant avail under PBBY?
A: 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 [?]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.
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.
Definitions
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]
(Source: 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.
(Source: https://www.mea.gov.in/images/attach/the_scheme_new_01_08_2016.pdf)
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.
(Source: https://www.mea.gov.in/images/attach/the_scheme_new_01_08_2016.pdf)
Family
the Insured Person, Insured Person’s spouse and first two dependent children up to twenty one years of Age.
(Source: https://www.mea.gov.in/images/attach/the_scheme_new_01_08_2016.pdf)
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.
(Source: https://www.mea.gov.in/images/attach/the_scheme_new_01_08_2016.pdf)
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.
(Source: https://www.mea.gov.in/images/attach/the_scheme_new_01_08_2016.pdf)
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.
(Source: https://www.mea.gov.in/images/attach/the_scheme_new_01_08_2016.pdf)
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.
(Source: https://www.mea.gov.in/images/attach/the_scheme_new_01_08_2016.pdf)
Overseas Indian
Non-Resident Indians and Persons of Indian Origin (PIOs)
(Source: https://www.mea.gov.in/images/attach/the_scheme_new_01_08_2016.pdf)
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.
(Source: https://www.incometaxindia.gov.in/pages/i-am/non-resident.aspx?k=Non-Resident%20Indian/Person%20of%20Indian%20Origin#)
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;
(Source: https://www.incometaxindia.gov.in/pages/i-am/non-resident.aspx?k=Non-Resident%20Indian/Person%20of%20Indian%20Origin#)
Benefits
• The Insured person shall be covered for a sum of ₹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 ₹1,00,000/- (up to ₹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 ₹50,000/- for Spouse and first two children up to 21 years of age.
• Maternity expenses benefit to women emigrants available up to ₹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 ₹45,000/-.
• Provision for online renewal of PBBY policy.
Eligibility Criteria
1. The applicant must be an Overseas Indian (cleared emigration)
2. The age of the applicant must be between 18 - 65 Years (Maximum entry age is subject to emigration clearance).
Application Process
Step 1: (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.)
Online
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 2: 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.
Online
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 3: Step 2: When prompted on the screen fill in all the mandatory details correctly.
Online
Step 2: When prompted on the screen fill in all the mandatory details correctly.
Step 4: 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 paymen…
Online
Accepted Modes of Payment: UPI, Internet Banking, Debit Card, Online Wallets, Credit Card (Master card, Visa and American Express).
Step 5: 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.
Online
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.
Required Documents
• Police Report confirming accidental death.
• Post Mortem Report.
• Certificate / Report from concerned Indian Embassy.
• Duly attested copy of passport (all pages).
• Medical records pertaining to treatment following the accident.
• Disability certificate issued by the competent medical authority.
• Original insurance certificate / policy.
• Application form for compensation duly filled in all respects and signed by the claimant.
• Copy of passport (all pages) duly attested, if death occurs outside India.
Frequently Asked Questions
Q: Is hospitalization benefit also available for children?
A: Yes, the family hospitalization (in India) is available for the first two children up to 21 years of age.
Q: Do I need to visit the Indian Mission in order to renew the insurance policy?
A: No, the scheme has provision for online renewal of the PBBY policy.
Q: Are there any facilities for pregnant woman emigrant?
A: Yes, maternity expenses benefit up to [?]50,000/- is available for women emigrants.
Q: What benefits can a PwD emigrant avail under PBBY?
A: 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 [?]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.
Eligibility Criteria
1
The applicant must be an Overseas Indian (cleared emigration)
2
The age of the applicant must be between 18 - 65 Years (Maximum entry age is subject to emigration clearance).
Benefits
The Insured person shall be covered for a sum of ₹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 ₹1,00,000/- (up to ₹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 ₹50,000/- for Spouse and first two children up to 21 years of age.
Maternity expenses benefit to women emigrants available up to ₹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 ₹45,000/-.
Provision for online renewal of PBBY policy.
Required Documents
| # | Document |
|---|---|
| 1 | Police Report confirming accidental death. |
| 2 | Post Mortem Report. |
| 3 | Certificate / Report from concerned Indian Embassy. |
| 4 | Duly attested copy of passport (all pages). |
| 5 | Medical records pertaining to treatment following the accident. |
| 6 | Disability certificate issued by the competent medical authority. |
| 7 | Original insurance certificate / policy. |
| 8 | Application form for compensation duly filled in all respects and signed by the claimant. |
| 9 | Copy of passport (all pages) duly attested, if death occurs outside India. |
How to Apply
1
(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.)
Online Before starting with your application, you must keep all your travel-related documents such as Passport, Visa, Work Permit No. etc. ready with you.
2
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.
Online 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.
3
Step 2: When prompted on the screen fill in all the mandatory details correctly.
Online Step 2: When prompted on the screen fill in all the mandatory details correctly.
4
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 paymen…
Online Accepted Modes of Payment: UPI, Internet Banking, Debit Card, Online Wallets, Credit Card (Master card, Visa and American Express).
5
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.
Online 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.
Frequently Asked Questions
Yes, the family hospitalization (in India) is available for the first two children up to 21 years of age.
Sources and references
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