Social Justice & Welfare·Prelims Strategy

Insurance Schemes — Prelims Strategy

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Version 1Updated 5 Mar 2026

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Prelims Strategy

For Prelims preparation, focus on memorizing specific numerical data: premium amounts (PMJJBY ₹330, PMSBY ₹12), coverage limits (₹2 lakh for life/accident, ₹5 lakh for health), age criteria, and implementing agencies.

Create comparison charts for different schemes highlighting key differences. Pay special attention to recent modifications in scheme features and budget allocations. Practice questions on scheme eligibility, claim procedures, and regulatory framework.

Common traps include confusion between similar schemes, incorrect premium amounts, and wrong implementing agencies. Use elimination techniques by identifying obviously incorrect options first. Stay updated with current enrollment figures and claim settlement ratios from official sources.