Pradhan Mantri Suraksha Bima Yojana (PMSBY) Accidental Death & Disability Cover
Universal accidental death and full disability insurance of ₹2 Lakh (₹1 Lakh for partial disability) at a nominal premium of ₹20 per year.
Quick Eligibility Snapshot
₹Benefits & Entitlement Breakdown
📊Budget Allocation & Beneficiary Reach
Administered via public sector general insurance companies (PSGICs) and participating private insurers
Official Budget Document ↗Over 44.8 Crore cumulative enrollments nationwide
As of: 2026-01-20PIB / Official Citation ↗Verified Eligibility Criteria
Individual bank or post office account holders aged between 18 and 70 years giving consent for auto-debit.
Required Documents Checklist
Verify readiness before applying for Pradhan Mantri Suraksha Bima Yojana (PMSBY) Accidental Death & Disability Cover. Check off your papers or print this list before visiting your local CSC / Cyber Cafe.
Mandatory Documents(3)
Check off as readyKeep self-attested photocopies and clear digital scans (100 KB – 200 KB, PDF/JPG format) ready to avoid portal upload timeouts.
Worried About Application Rejection for Pradhan Mantri Suraksha Bima Yojana (PMSBY) Accidental Death & Disability Cover?
Over 30% of applications on official portals get delayed or rejected due to minor certificate authority mismatches or unseeded bank accounts. Our civic research desk compiles a verified 1-page Scheme Blueprint tailored to your state and profile.
- ✓Valid issuing authority rules (Tehsildar/SDM)
- ✓Aadhaar-DBT bank seeding verification
- ✓Direct official portal guide (no middlemen)
- ✓Email delivery in 1–2 hrs during desk hours
🔒 Secure Razorpay Checkout • 100% Independent
Application Effort & Process Friction
Readiness assessment derived from official prerequisites, mandatory documentation, and submission channels.
Effort scores reflect portal accessibility, mandatory document burden, and physical verification requirements.
How to Apply
- 1
Visit savings bank branch, post office, or access mobile banking / internet banking.
- 2
Submit PMSBY enrollment form with nominee details and auto-debit mandate.
- 3
Bank deducts ₹20 annually every May.
- 4
Policy coverage active from 1st June to 31st May annually.
✅Before You Begin — Pre-Application Checklist
⚠️Common Rejection Reasons — Avoid These
Age outside 18–70 years, failure of premium auto-debit due to zero balance, or death not attributable to accident.
Official Government Application Portal
You will be redirected to the secure official portal: financialservices.gov.in
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Get Scheme Blueprint (₹49)→Frequently Asked Questions (Officially Sourced)
Verified answers sourced directly from official circulars, gazettes, and portal FAQs. Never AI-invented.
What events are covered under accidental death?
Accidental death resulting from road collisions, drowning, snakebite, electrocution, machinery accidents, and falls are covered.
Source: Official Scheme FAQ ↗What is the maximum age to continue in PMSBY?
A subscriber can continue to renew PMSBY coverage up to 70 years of age.
Source: Official Scheme FAQ ↗What documents are required to claim the insurance?
Claim form, FIR or police panchnama, post-mortem report (in case of death), or hospital disability certificate, along with bank passbook.
Source: Official Scheme FAQ ↗Can I track my Pradhan Mantri Suraksha Bima Yojana (PMSBY) Accidental Death & Disability Cover application status?
Application status for Pradhan Mantri Suraksha Bima Yojana (PMSBY) Accidental Death & Disability Cover can typically be tracked through the official portal at financialservices.gov.in using your Aadhaar number, application reference number, or registered mobile number. Alternatively, contact the scheme helpline at 1800-180-1111 or visit your nearest Common Service Centre (CSC).
What should I do if my Pradhan Mantri Suraksha Bima Yojana (PMSBY) Accidental Death & Disability Cover payment is delayed or rejected?
First, verify your Aadhaar-bank account seeding status on the NPCI mapper (npci.org.in). If seeding is confirmed and payment is still pending, register a complaint on the Central Public Grievance Redressal System at pgportal.gov.in. You may also file an RTI application at rtionline.gov.in to obtain official rejection reasons within 30 days.
Is there an income tax implication for receiving Pradhan Mantri Suraksha Bima Yojana (PMSBY) Accidental Death & Disability Cover benefits?
Agricultural income and certain welfare subsidies may be exempt from income tax under Section 10 of the Income Tax Act, 1961. Tax treatment varies by scheme type and beneficiary income level. Consult a certified tax practitioner or visit incometax.gov.in for scheme-specific tax guidance.
Common Rejection Reasons & Warnings
Age outside 18–70 years, failure of premium auto-debit due to zero balance, or death not attributable to accident.
Editorial Verification & Change Log
| Date | Field | Description / Update | Source Citation |
|---|---|---|---|
| 2026-10-19 | scheme_type | cs | Official Source ↗ |
| 2026-10-18 | grievance_helpline | 1800-180-1111 | Official Source ↗ |
| 2026-09-28 | initial_verification | Baseline verification of Pradhan Mantri Suraksha Bima Yojana (PMSBY) Accidental Death & Disability Cover guidelines, benefits, and portal integration. | Official Source ↗ |
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Application Window & Deadlines
Open year-round across all scheduled commercial and cooperative banks
🛟Grievance & RTI Channels
Scheme Intelligence
How is this calculated? ↗Verified 7d ago from .gov.in source
Requires documentation or office visit
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📅Scheme Milestone Timeline
Baseline verification of Pradhan Mantri Suraksha Bima Yojana (PMSBY) Accidental ...
Official Source ↗Schemes You Can Stack With This
Complementary programs with non-conflicting eligibility that you can claim concurrently:
Official Helpline & Nodal Offices
Department of Financial Services
Jeevan Deep Building, Sansad Marg, New Delhi 110001
Helpline: 011-23748721
Jurisdiction: NationalNotice a Discrepancy?
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Verification Metadata
Last verified by Eligo researchers on 2026-10-12 against official government documentation.
Eligo is an independent information platform unaffiliated with any government body. Always confirm latest terms directly on the official portal.