Pradhan Mantri Suraksha Bima Yojana (PMSBY) ek renewable personal accident insurance scheme hai. Official Jan Suraksha FAQ ke according participating bank/post-office account holder ₹20 per year premium par accidental death/total permanent disability ke liye ₹2 lakh aur specified partial permanent disability ke liye ₹1 lakh cover pa sakta hai.
PMSBY Quick Details
| Feature | Detail |
|---|---|
| Annual Premium | ₹20 per member |
| Eligible Age | 18 to 70 years |
| Accidental Death | ₹2 lakh |
| Total permanent disability | ₹2 lakh |
| Specified partial permanent disability | ₹1 lakh |
| Payment | Bank/Post Office account auto-debit |
| Nature | One-year renewable accident insurance cover |
Who can join?
- Participating bank or post-office ka individual account holder.
- Age 18–70 years.
- Multiple bank accounts hone par scheme only one account ke through join karni chahiye.
- Auto-debit consent required hota hai.
- Account me premium deduction ke liye sufficient balance maintain karna chahiye.
What is covered?
Scheme accident ke कारण death ya specified permanent disability par benefit deti hai. Natural death PMSBY ka accident-insurance benefit nahi hai. Claim conditions aur accident definition official policy terms ke according apply hote hain.
Registration kaise karein?
- Apne bank/post office mobile banking, net banking, branch ya authorised enrolment option check karein.
- PMSBY selection karke consent details verify karein.
- Nominee information sahi bharein.
- Annual auto-debit consent confirm karein.
- Enrollment acknowledgement/policy reference save karein.
- Har renewal cycle me account balance aur active status check karein.
Claim ke time kya chahiye?
- Claim form
- Accident/death related proof as applicable
- Disability certificate where relevant
- Bank/account details
- Nominee/claimant KYC
- Other insurer/bank-required documents
Official / Reference Sources
Frequently Asked Questions (FAQ)
PMSBY premium kitna hai?
₹20 per year per member.
Maximum cover kitna hai?
Accidental death ya total specified disability par ₹2 lakh; specified partial disability par ₹1 lakh.
Eligibility age kya hai?
18 se 70 years ke participating bank/post-office account holders enroll kar sakte hain.