- Enroll in Pradhan Mantri Suraksha Bima Yojana by paying just Rs. 20 annually to get Rs. 2 lakh accident insurance cover.
- The scheme is open to Indian citizens aged 18 to 70, offering financial security against accidental death and disabilities.
- Apply easily online at jansuraksha.gov.in or offline through your bank with minimal documents.
Central Government’s Pradhan Mantri Suraksha Bima Yojana (PMSBY) is offering an affordable accident insurance cover to citizens at a nominal premium of just ₹20 per year. This social security scheme ensures a ₹2 lakh insurance benefit in case of accidental death or permanent disability, providing crucial financial support to families during emergencies. Aimed at increasing financial protection among the masses, PMSBY is an ideal option for individuals seeking low-cost insurance coverage against unforeseen accidents.
Eligibility and Benefits of PM Suraksha Bima Yojana
This scheme makes accident insurance easy to access. Anyone between 18 and 70 years old with a savings bank account can join. Whether you are a student, salaried person, or daily wage worker, you can benefit from this affordable plan. The best part is the Rs. 2 lakh coverage for just Rs. 20 each year, which fits all income groups.
Coverage and Claim Details under PM Suraksha Bima Yojana
Under this scheme, if there is accidental death or total permanent disability like losing both eyes, hands, or legs, the nominee will get Rs. 2 lakh. For partial permanent disability such as losing one eye, hand, or leg, the compensation is Rs. 1 lakh. The claim process is simple, and the amount is paid quickly once approved, offering financial relief during tough times.
Also Read – Get Affordable Housing with Pradhan Mantri Awas Yojana Urban 2.0 – Here’s How to Apply!
How to Apply for PM Suraksha Bima Yojana Online and Offline
Joining this scheme is hassle-free. If you want to apply online, go to the official government website jansuraksha.gov.in. Follow these steps:
- Open the website and click on the “Forms” section.
- Select Pradhan Mantri Suraksha Bima Yojana option.
- Pick your language for the application form.
- Fill in all required details carefully and upload the necessary documents.
- Submit the form online and pay the Rs. 20 premium.
If you want to apply offline, visit your bank where you have a savings account. Banks actively help enroll applicants for this scheme. You need to fill out a form and submit required documents there. After payment, your policy will be active for one year and renewable every year.
Required Documents and Application Tips
To apply smoothly, keep these ready:
- Valid identity proof (Aadhaar Card / Voter ID / Passport)
- Savings bank account details
- Photograph (passport size)
- Mobile number and email for communication
Make sure all details entered in the application form are correct. Double-check your information and keep a copy of your submitted form and payment receipt. This will help you later for renewals or claims.
By joining Pradhan Mantri Suraksha Bima Yojana, you’re taking an important step to protect your family financially with a small investment. The Central Government encourages everyone to use this simple and affordable scheme to handle accident-related financial burdens confidently.