Pradhan Mantri Suraksha Bima Yojana (PMSBY) is a highly affordable, government-backed accidental insurance scheme available in India. It provides coverage of up to Rs. 2 Lakh in the event of accidental death or permanent disability, all for an extremely low annual premium of Rs. 20.
Coverage and Benefits
The scheme offers the following financial safeguards in case of an unforeseen accident:
- Accidental Death: Rs. 2 Lakh for the nominee.
- Permanent Total Disability: Rs. 2 Lakh for the subscriber (e.g., loss of both eyes, both hands, or both feet).
- Permanent Partial Disability: Rs. 1 Lakh for the subscriber (e.g., loss of one eye, one hand, or one foot).
Eligibility Criteria
To join the PMSBY scheme, individuals must meet the following conditions:
- Age Limit: Must be between 18 and 70 years old.
- Bank Account: Must hold an active savings bank or post office account.
- Auto-Debit: Must give active consent for the annual premium to be auto-debited from their linked account.
How to Apply
- Offline: Visit the bank or post office branch where your savings account is held. You can download the application form directly from the JanSuraksha Forms Page.
- Online: Many participating banks offer enrollment through their mobile banking applications or internet banking portals.
- Validity: The policy coverage lasts for one year (from June 1 to May 31) and can be auto-renewed annually.
If you need help or have questions regarding claims and state-specific toll-free numbers, refer to the JanSuraksha State-wise Help Directory.
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