शैक्षणिक सूचना: यह एक स्वतंत्र सूचना एवं शैक्षणिक पोर्टल है। हमारा Central सरकार, Ministry of Finance या किसी भी सरकारी संस्था से कोई संबंध नहीं है। सभी दिशा-निर्देश नागरिकों की जागरूकता हेतु हैं। आधिकारिक आवेदन के लिए नीचे दिए गए पोर्टल का उपयोग करें।

Centralसमाज कल्याणकेंद्रीय योजना

प्रधानमंत्री सुरक्षा बीमा योजना

संचालित विभाग: Ministry of Finance (Department of Financial Services)

आधिकारिक पोर्टल पर जाएं आवेदन की स्थिति जांचें

योजना के बारे में जानकारी

Pradhan Mantri Suraksha Bima Yojana (PMSBY) is a government-backed personal accident insurance scheme offering Rs. 2 Lakh accidental death and disability coverage for an annual premium of just Rs. 20, available to all savings bank account holders aged 18 से 70 वर्ष.

कल्याणकारी लाभ एवं सहायता

•Accidental death cover of Rs. 2 Lakh payable to the nominee
•Total permanent disability cover of Rs. 2 Lakh (loss of both eyes, both hands, both feet, or loss of one eye and one hand/foot)
•Partial permanent disability cover of Rs. 1 Lakh (loss of one eye, or loss of one hand or foot)
•Annual premium of only Rs. 20 — the cheapest personal accident insurance scheme in India
•Auto-debit from bank account; no repeated paperwork needed for annual renewal

पात्रता एवं मापदंड

स्थायी निवासभारतीय नागरिक होना अनिवार्य है

आयु सीमा18 से 70 वर्ष

पारिवारिक वार्षिक आयकोई आय सीमा लागू नहीं; open to all savings bank account holders

सामाजिक वर्ग / श्रेणीOpen to all categories

अतिरिक्त पात्रता शर्तें

Must hold an individual savings bank account or post office savings account
Must give consent for auto-debit of the annual premium of Rs. 20 from the linked account
Can join through only one bank or post office account
Coverage period runs from June 1 to May 31 each year, renewable वार्षिक

आवेदन हेतु आवश्यक दस्तावेज

आधार कार्ड (linked to the savings bank account)Savings बचत बैंक पासबुक or Post Office Account detailsConsent-cum-Declaration Form (available at bank branch or net banking)Nominee details (name, relationship, Aadhaar of nominee)सक्रिय मोबाइल नंबर linked with bank account

सुझाव: आवेदन करने से पहले उल्लिखित सभी दस्तावेजों की स्पष्ट स्कैन कॉपी अपने पास तैयार रखें।

आवेदन कैसे करें (चरणबद्ध गाइड)

Navigate to the 'Social Security Schemes' or 'Jan Suraksha' section

Select 'PMSBY' and provide consent for auto-debit of Rs. 20 वार्षिक

Enter nominee details and submit the enrollment form

Confirmation SMS will be sent to your registered सक्रिय मोबाइल नंबर

कौन आवेदन कर सकता है?

✓All भारतीय नागरिकs aged 18-70 who want affordable accidental death and disability insurance
✓Workers in hazardous occupations (construction, transport, factory) needing accident coverage
✓Families looking for basic financial protection against accidental loss at minimal cost

कौन आवेदन नहीं कर सकता?

✗जो किसी अन्य सरकारी नौकरी या पेंशन का लाभ ले रहे हैं।
✗जो किसी अन्य सरकारी नौकरी या पेंशन का लाभ ले रहे हैं।
✗जो किसी अन्य सरकारी नौकरी या पेंशन का लाभ ले रहे हैं।

अक्सर पूछे जाने वाले सवाल (FAQs)

What is the premium for PMSBY?

The annual premium is only Rs. 20, auto-debited from your savings bank account around June 1 each year.

What does PMSBY cover?

PMSBY covers accidental death (Rs. 2 Lakh), total permanent disability (Rs. 2 Lakh), and partial permanent disability (Rs. 1 Lakh).

Does PMSBY cover natural death?

No. PMSBY only covers death and disability caused by accidents. For natural death coverage, you should enroll in PMJJBY (Rs. 436/year).

What is the difference between PMJJBY and PMSBY?

PMJJBY (Rs. 436/year) covers death due to any cause including natural death. PMSBY (Rs. 20/year) covers only accidental death and disability. Both can be taken together.

Can I claim PMSBY if I lose one eye in an accident?

Yes. Loss of sight in one eye due to an accident is classified as partial permanent disability, पात्र for Rs. 1 Lakh compensation.