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<h1>Social security insurance schemes provide defined death and disability cover with central government premium subsidy to increase access.</h1> Aam Admi Bima Yojana and Janashree Bima Yojana provide insured lump sum benefits for natural death, accidental death or total permanent disability, and partial permanent disability due to accident, administered through the national life insurer for vulnerable sections; the Central Government subsidises half of the premium to reduce beneficiary cost and facilitate access to coverage.