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Bharatiya Janata Party · 2024
दावा
संदर्भ अधूरा
डिलीवरी
आकलन के लिए जल्दी
एक सुधार: ‘2047 तक सबके लिए बीमा’ आईआरडीएआई का दृष्टिकोण है, जो 6 मई 2022 की प्रेस विज्ञप्ति में घोषित हुआ, घोषणापत्र का वादा नहीं। घोषणापत्र की अपनी प्रतिबद्धता संकरी है — मौजूदा सामाजिक सुरक्षा बीमा योजनाओं को एकीकृत करना और उन्हें डाकघरों तथा डिजिटल इंडिया के ज़रिये पहुँचाना। नियामक के दृष्टिकोण पर वित्त मंत्रालय से पूछा गया कि उसे पाने के लिए कोई नीति, रोडमैप या श्वेत पत्र है या नहीं, और नहीं तो देरी के कारण क्या हैं। उत्तर चार नियामकीय उपाय गिनाता है — सभी आयु और जोखिम वर्गों के लिए उत्पाद, हल्का अनुपालन, वरिष्ठ नागरिकों के प्रीमियम में वार्षिक 10 प्रतिशत की सीमा, और शिकायत निवारण — और रोडमैप वाले प्रश्न का उत्तर देता ही नहीं।
“हमने असंगठित श्रमिकों के लिए पीएम जीवन बीमा और सुरक्षा बीमा जैसी सामाजिक सुरक्षा बीमा योजनाएँ सफलतापूर्वक लागू की हैं। अब हम ऐसी सभी योजनाओं को एकीकृत करेंगे और डाकघर तथा डिजिटल इंडिया नेटवर्क का उपयोग कर दुर्घटना एवं जीवन बीमा का व्यापक सामाजिक सुरक्षा कवर देंगे। हम आसान नामांकन और निर्बाध भुगतान के लिए डिजिटल प्रौद्योगिकियों का उपयोग करेंगे।”कोई कैग निष्पादन लेखापरीक्षा प्रकाशित नहीं
इस योजना पर कैग की कोई निष्पादन लेखापरीक्षा प्रकाशित नहीं हुई है। लेखापरीक्षा का न होना इस बात का प्रमाण नहीं है कि दावा सही है या ग़लत।
इस अवधि की बीमा पहुँच या जन सुरक्षा योजनाओं की कोई कैग लेखापरीक्षा हमारे पास मौजूद रिपोर्टों में संसद में नहीं रखी गई है। इस संग्रह की केंद्रीय पेंशन क्षेत्र लेखापरीक्षा बीमा नहीं, पेंशन को कवर करती है।
कोई लेखापरीक्षा अवधि नहीं — इस योजना पर कैग की कोई निष्पादन लेखापरीक्षा प्रकाशित नहीं हुई।
No policy, roadmap or white paper for 'Insurance for All by 2047' reported; four regulatory measures named instead
घोषणापत्र जिन योजनाओं का नाम लेता है उनके नामांकन आँकड़े अन्यत्र दर्ज हैं: 22 जुलाई 2026 तक जीवन ज्योति बीमा में 28.05 करोड़ और सुरक्षा बीमा में 59.18 करोड़ नामांकन थे।
Lok Sabha Unstarred Question No. 3659, Mission 'Insurance for All' by IRDAI — answer by the Ministry of Finance
A correction before the assessment. "Insurance for All by 2047" and "100 per cent insurance penetration" — the terms this entry was imported with — belong to the Insurance Regulatory and Development Authority, not to a manifesto. The Ministry of Finance dates it precisely: "The Insurance Regulatory and Development Authority of India (IRDAI) in its press release dated 6th May, 2022, conveyed its commitment to undertake comprehensive reforms in the insurance sector with the objective of achieving the vision of 'Insurance for All' by the year 2047."
What the 2024 manifesto commits to is narrower and administrative: integrating the existing social security insurance schemes and delivering them through post offices and the Digital India network, with digital enrolment and payment.
On the regulator's vision, the question put to the ministry on 11 August 2025 was pointed — whether a "comprehensive Policy, Roadmap or White Paper" exists to achieve the 2047 target, and "if not, the reasons for the delay in formulating such a roadmap".
The answer does not address either limb. It lists four things IRDAI has done: "mandated insurers to devise product for all age and risk groups", "reduced compliance burden and simplified regulations", "mandated insurers to not increase premium for senior citizens by more than 10% per year", and "put in place an effective grievance redressal mechanism". Those are real regulatory actions — the senior-citizen premium cap in particular protects a group facing steep annual increases. None of them is a roadmap, and the question about why there is no roadmap goes unanswered.
On the manifesto's own commitment, the scale of the underlying schemes is documented elsewhere in this corpus: as on 22 July 2026 there were 59.18 crore enrolments under Pradhan Mantri Suraksha Bima Yojana and 28.05 crore under Pradhan Mantri Jeevan Jyoti Bima Yojana. Whether they have been integrated into a single comprehensive cover delivered through post offices, as promised, is not reported in any document we hold.
The term runs to 2029 and delivery is recorded as too early. Our verdict is lacks context.
BJP Sankalp Patra 2024 — Modi Ki Guarantee
“This Sankalp Patra outlines the collective aspirations and goals of our nation, by our nation and for our nation. As you have seen in the last ten years, it is Modi's Guarantee that every promise made is fulfilled… In the next five years, with your blessings, it is Modi's Guarantee that we will work 24 by 7 for 2047.”
Lok Sabha Unstarred Question No. 3659, Mission 'Insurance for All' by IRDAI — answer by the Ministry of Finance
“[Question: whether the Government has taken steps to prepare a comprehensive Policy, Roadmap or White Paper to achieve this target… if not, the reasons for the delay] Answer: The Insurance Regulatory and Development Authority of India (IRDAI) in its press release dated 6th May, 2022, conveyed its commitment to undertake comprehensive reforms in the insurance sector with the objective of achieving the vision of 'Insurance for All' by the year 2047. In order to increase the penetration and density of Insurance in India, in alignment with the vision of Insurance for all, IRDAI, inter alia, has: i. mandated insurers to devise product for all age and risk groups to deepen insurance inclusion; ii. reduced compliance burden and simplified regulations to promote ease of doing business for insurance companies; iii. mandated insurers to not increase premium for senior citizens by more than 10% per year; iv. put in place an effective grievance redressal mechanism to ensure policy holder protection.”
Lok Sabha Unstarred Question No. 3650, Pradhan Mantri Jan Dhan Yojana — answer by the Ministry of Finance
“As on 22.07.2026, a total of 58.84 crore Pradhan Mantri Jan Dhan Yojana (PMJDY) accounts have been opened across the country. Of these, 45.77 crore accounts have been opened in rural/semi-urban areas and 32.79 crore PMJDY accounts are of women beneficiaries. PMJDY guidelines envisage channeling Direct Benefit Transfer (DBT) from the Government to the beneficiaries' Jan-Dhan accounts… The data regarding the number of PMJDY accounts linked to DBT Schemes is not centrally maintained. Total enrolments under the various social security schemes, including PMJDY account holders, have grown steadily over the years and as on 22.07.2026, there are 28.05 crore Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) enrolments, 59.18 crore Pradhan Mantri Suraksha Bima Yojana (PMSBY) enrolments and 9.40 crore Atal Pension Yojana (APY) enrolments… A total of 2,421 CFLs have been set up across the country.”