Pradhan Mantri Suraksha Bima Yojana (PMSBY) — National Core
Central Government personal accident insurance providing ₹2 Lakh death/disability coverage for ₹20 per year.
🛡️मुख्य लाभ एवं सुरक्षा विवरण (Key Benefits)
₹2,00,000 for accidental death or permanent total disability (total loss of both eyes, both hands, or both feet). ₹1,00,000 for permanent partial disability (loss of one eye, one hand, or one foot). Valid for 1 year (1st June to 31st May) with automated bank auto-debit renewal.
📋पात्रता की शर्तें (Eligibility Rules)
Citizens aged 18 to 70 years holding an active savings bank or post office account with an active auto-debit consent mandate.
📂आवश्यक दस्तावेज (Required Documents)
Aadhaar Card, Active Savings Bank Account, Nominee Aadhaar Card and bank account details.
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Caveats & Policy Exclusions)
Natural deaths, heart attacks, stroke, suicide, and deaths caused by disease or intoxication are strictly EXCLUDED (enroll in PMJJBY for natural death). Hospitalization treatment expenses and medical bills are NOT reimbursed; only a fixed lump sum is paid for death or certified permanent disability.
🚀आवेदन एवं दावा प्रक्रिया (How to Apply & Claim)
1. Visit bank branch or log in to mobile / internet banking app. 2. Navigate to 'Government Social Security Schemes' -> 'PMSBY'. 3. Select account, nominate beneficiary, and authorize ₹20 annual debit. 4. Instant confirmation slip and policy number generated.