Section outline

  • Government Schemes That Help in Emergencies 🏛️

    The government has introduced several schemes to help individuals and families handle emergencies — especially for women, senior citizens, and low-income households. You may not know them all, but a few of these could be a lifeline when life takes a turn.

    • 🩺 1. Ayushman Bharat (PM-JAY)

      India’s largest health insurance scheme, covering up to ₹5 lakh per family per year for secondary and tertiary care. Valid in empanelled government and private hospitals.

      • Eligibility: Based on Socio-Economic Census; no need to pay premium
      • Women, elderly, and children prioritized

      🛡️ 2. Pradhan Mantri Suraksha Bima Yojana (PMSBY)

      Accident insurance offering ₹2 lakh coverage for just ₹20/year.

      • Valid for accidental death or disability
      • Offered by most banks

      ❤️ 3. Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)

      Term life insurance providing ₹2 lakh cover for ₹436/year.

      • Must be between 18–50 years and have a bank account
      • Premium auto-debited annually

      👵 4. Atal Pension Yojana

      For women with no formal pension. Contribute monthly and get pension up to ₹5000/month after 60 years.

      • Low-risk, government-backed pension
      • Great option for homemakers too

      📢 5. State-level Emergency Funds & Health Cards

      Many states (like Tamil Nadu, Delhi, Maharashtra) offer health cards, maternity kits, or widow pension schemes. Visit your local health center or government office to know what’s available in your area.

    • 💬 Don't Be Shy to Ask

      These schemes are made for you — not just on paper. Visit your nearest government hospital, Common Service Center (CSC), or ask your bank. Women who ask, get help. That’s power in practice.

      💡 Government support may not replace your entire safety net — but it can give you the first rope when you’re climbing out of crisis.