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Most underrated insurance in India: PMSBY gives ₹2 lakh accident cover for just ₹20 a year, and PMJJBY gives ₹2 lakh life cover for ₹436 a year — auto-debited from your bank.
Indian bank account holders: PMSBY ages 18-70; PMJJBY join at 18-50 (cover till 55).
“Keep balance for auto-debit or the policy lapses. One policy each per person. Confirm premiums on jansuraksha.gov.in. Information only — scheme rules, amounts and dates can change. Confirm on the official government portal before applying. Never pay agents. Not medical advice; consult a doctor.”
Underrated government service: talk to a government doctor on video from home for free and get an e-prescription.
Create a free 14-digit ABHA health ID to link prescriptions, lab reports and hospital records, share them with doctors with consent, and skip queues with Scan & Share OPD registration.
Every notified TB patient gets ₹1,000 a month for nutrition for the whole treatment, plus free TB tests and medicines at government centres.
Government Jan Aushadhi stores sell quality generic medicines at 50-90% lower prices than branded ones (as stated by the government).
Eligible families get cashless treatment up to ₹5 lakh a year at empanelled government and private hospitals anywhere in India, pre-existing diseases included from day one.
University students get a year of Headspace meditation, sleep and focus content at a student price.
College students can get Microsoft 365 Personal (Word, Excel, PowerPoint, Outlook and more) at a student discount.
A discounted student bundle of Google AI Pro and YouTube Premium for verified university students, for up to 4 years.
