Government schemes

Central and state schemes explained in plain language, each with a link to the official source.

7 schemes for “health insurance”

Pension & insuranceCentral

₹2 lakh accident insurance for a premium of ₹20 a year

For: Bank or post office account holders aged 18 to 70

See eligibility and documents

Pension & insuranceCentral

₹2 lakh life insurance for a premium of ₹436 a year

For: Bank or post office account holders aged 18 to 50

See eligibility and documents

Pension & insuranceCentral

Guaranteed monthly pension of ₹1,000 to ₹5,000 after the age of 60

For: Citizens aged 18 to 40 with a savings bank account

See eligibility and documents

Pension & insuranceCentral

₹3,000 monthly pension after the age of 60, with a matching government contribution

For: Unorganised workers aged 18 to 40 earning up to ₹15,000 a month

See eligibility and documents

Pension & insuranceCentralStatus changed: check

Monthly pension for senior citizens; the central share is topped up by each state

For: People aged 60 and above from below-poverty-line households

See eligibility and documents

Pension & insuranceCentralStatus changed: check

Monthly pension for widows; the central share is topped up by each state

For: Widows aged 40 and above from below-poverty-line households

See eligibility and documents

Pension & insuranceCentralStatus changed: check

Monthly pension for persons with severe disability; states add their own share and often cover more people

For: Persons aged 18 and above with severe or multiple disabilities from below-poverty-line households

See eligibility and documents