<h1>Pension and insurance reforms expand coverage through NPS e-Shramik, APY outreach, and insurance digitization with FDI boost.</h1> Rapid expansion of the National Pension System and complementary schemes, aided by the NPS e-Shramik model and partnerships with farmer groups and MSMEs, targets inclusion of informal, gig and rural workers through simplified onboarding, digital KYC, flexible contributions and outreach. The insurance sector's shift to a principle based regulatory framework and the Sabka Bima, Sabki Suraksha Act, 2025 aim to digitise distribution, increase FDI limits, and address a low penetration, high cost distribution model, with health insurance now accounting for 41% of non life premium and a nationwide distribution network supporting outreach.