जीवन बीमा✓ 100% सरकारी समर्थितAll Indiaसत्यापित: 2026-09-18 (180-दिवसीय SLA)
Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM) Life & Pension Security
Old age income and life security for unorganized workers with 50% family pension guaranteed to spouse upon subscriber death.
बीमा सुरक्षा कवरेजGuaranteed ₹3,000/month Pension + 50% Family Pension
प्रीमियम दरNominal Monthly / Annual Contribution
दावा निपटान अनुपात (CSR)98.5% (Sovereign Guaranteed)
आरंभ वर्ष2015
🛡️मुख्य लाभ एवं सुरक्षा विवरण (Key Benefits)
Old age income and life security for unorganized workers with 50% family pension guaranteed to spouse upon subscriber death.
📋पात्रता की शर्तें (Eligibility Rules)
Unorganized workers aged 18 to 40 years with monthly income up to ₹15,000.
📂आवश्यक दस्तावेज (Required Documents)
Aadhaar Card, Savings Bank Account, Nominee KYC.
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Caveats & Policy Exclusions)
Must not be covered under EPFO, ESIC, or NPS. Monthly family income must not exceed ₹15,000.
🚀आवेदन एवं दावा प्रक्रिया (How to Apply & Claim)
1. Visit bank branch, post office, or CSC. 2. Submit auto-debit mandate and nominee details. 3. Receive policy confirmation certificate.