Pravasi Bharatiya Bima Yojana 2023: Apply

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Pravasi Bharatiya Bima Yojana:-

Visiting overseas nations and working abroad is not a new phenomenon in India today. Every year, thousands of individuals go to distant nations for business. The Pravasi Bharatiya Bima Yojana is one of the insurance policies that safeguard emigrant Indian employees who are deployed to work in other countries throughout the world. In this article, we will discuss all the details about this scheme like benefits, eligibility, application processes, etc. If you want to all these details then read this article till the end.

Pravasi Bharatiya Bima Yojana

Pravasi Bharatiya Bima Yojana 2023

The Ministry of External Affairs (MEA) has implemented an obligatory insurance system to protect the rights of Indian emigrant workers who fall under the Emigration Check Required (ECR) category and go to ECR nations for work. PBBY also offers worldwide insurance coverage regardless of employment or location, as well as the opportunity to renew online and a streamlined process for certifying accidental death or permanent disability. The policy is now more favorable for emigrant workers and strives to expedite claim resolution.

Insurance Policy Last Update On 2017 

This insurance policy first appeared in India in 2003. The plan was revised three times, in 2006, 2008, and most recently in 2017. The scheme’s rules and regulations were amended in 2017. The most recent iteration of the plan went into force in August of 2017.

The Scheme underwent its most recent complete review in 2017, with input from all stakeholders. The updated scheme PBBY, 2017 went into effect on August 1, 2017. Currently, the plan offers a Rs 10 lakh insurance cover in the event of accidental death/permanent disability for an insurance premium of Rs 275 and Rs 375 for two and three years, respectively.

The amended plan has also made it mandatory for many professions that come under employment categories under Section 2(o) of the Emigration Act of 1983, regardless of passport category. PBBY, 2017 also offers worldwide insurance coverage regardless of employment or location, as well as online renewal and a streamlined process for accidental death/permanent disability certification. The policy is now more favorable for emigrant workers and strives to expedite claim resolution.

PBBY Key features


The scheme provides emigrants with five different types of coverage. Personal accident, transport and medical, job contingency, and lastly legal fees.


Indians seeking emigration permission and intending to work outside the country must apply for this scheme. This plan is open to any employment type covered by the Emigration Act of 1983.


This scheme provides coverage for a period of two to three years. The emigrant worker can then renew his or her coverage. It is renewable until the employee’s service tenure expires.

Online registration for the insurance:-

The scheme has an online application form. This application form will be available at any insurance company that is part of the plan. The form must be filled out and submitted electronically, together with the required papers.

PBBY Benefits

  • The insured person shall be covered for an amount of ₹10 lakh in the case of accidental death or permanent disability leading to loss of job while working overseas, regardless of the insured person’s change of employer or location.
  • Insurance companies will accept certification of accidental death or permanent disability issued by Indian missions and posts overseas.
  • Medical insurance coverage for injuries, sickness, ailments, and diseases is offered up to ₹1,00,000/- (50,000 per hospitalization).
  • Coverage for repatriation in the event of medical incapacity or early termination of employment: Actual one-way economy class plane cost to the nearest international airport in India.
  • In India, family hospitalization is covered for up to 50,000/- for the spouse and first two children under the age of 21.
  • Maternity costs benefits for female emigrants are available up to 50,000/-.
  • Reimbursement of one attendant’s return economy class plane fare to the nearest international airport in the event of the emigrant’s unexpected death or permanent incapacity.
  • Legal expenditures for litigation relating to an emigrant’s foreign work are allowable up to $45,000/-.
  • Provision for online renewal of PBBY insurance.


  • The candidate must be an Overseas Indian (emigration clearance).
  • The applicant’s age must be between 18 and 65 years old (the maximum entrance age is subject to emigration clearance).

Required Documents

  • In case of accident death:-
    • Post Mortem Report.
    • Police Report confirming accidental death.
    • Certificate/Report from concerned Indian Embassy.
    • Duly attested copy of passport (all pages).
  • Fully Permanent Disability:-
    • Medical records pertaining to treatment following the accident.
    • Disability certificate issued by the competent medical authority.
      • In the event of permanent complete disability, depending on the nature of the claim, the Company may request documentation such as:–
        • 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.

PBBY Online Application Process

Before you begin your application, you must have all of your travel-related papers, such as your passport, visa, and work permit number, on hand.

  • (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.)
    • If you are a new customer, then you first need to fill in all the mandatory details in the online form.
    • After that, you will be directed to the premium payment page, and make the payment as per your policy premium.
    • Here, 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).
    • Finally, you will be directed to the confirmation page. You must download the receipt for future reference.

Other Important Posts on Our Site


Are there any facilities for pregnant women emigrants?

Yes, maternity expense benefits up to ₹50,000/.

Is hospitalization benefit also available for children?

Yes, family hospitalization is accessible in India for the first two children up to the age of 21.

Do I need to visit the Indian Mission in order to renew the insurance policy?

No, the scheme has a provision for online renewal of the PBBY policy.

What benefits can a PwD emigrant avail under PBBY?

In the above article we have given all the benefits please go through the article.

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