प्रधानमंत्री सुरक्षा बीमा योजना (PMSBY)
यह प्रोफ़ाइल स्वतंत्र रूप से आधिकारिक राजपत्र अधिसूचनाओं और सत्यापित वेब डोमेन से संकलित की गई है। स्रोत प्राधिकरण लिंक: www.prs.gov.in प्राधिकरण: Ministry of Finance • राज्य/क्षेत्र: Central Scheme (All India) • अंतिम बार ऑडिट किया गया: 29 Jul 2026
त्वरित एआई सारांश
A one‑year accidental death and disability insurance scheme, renewable annually, with coverage of up to Rs. 2 lakhs for death or total permanent disability and Rs. 1 lakh for partial permanent disability, at a premium of Rs. 20 per annum.
विस्तृत सारांश
Scheme Overview
The Pradhan Mantri Suraksha Bima Yojana (PMSBY) provides accidental death and disability cover to Indian residents holding a savings bank account. The cover is effective for one year from the date of enrollment and may be renewed automatically each year, provided the premium is debited.
Coverage Details
• Accidental death or total permanent disability – up to Rs. 2 lakhs.
• Partial permanent disability – up to Rs. 1 lakh.
• Premium – Rs. 20 per annum, auto‑debited from the insured’s bank account.
Key Features
The scheme is administered by the Ministry of Finance through participating banks. Enrollment is voluntary, and the premium is deducted on the policy anniversary date. No medical examination is required. The benefit is payable directly to the nominee or the insured, as applicable.
प्रमुख लाभ और वित्तीय सहायता
| तुलना मानदंड | लाभ |
|---|---|
| प्रमुख लाभ |
|
पात्रता मानदंड प्रोफ़ाइल
| तुलना मानदंड | पात्रता |
|---|---|
| Minimum Age Limit | 18 Years or above |
| Maximum Age Limit | 70 Years or below |
| Domicile State | All India (Central Scheme) |
आवेदन प्रक्रिया मार्गदर्शिका
- Log in to your bank’s net‑banking portal or visit the nearest bank branch.<br>
- Select ‘Pradhan Mantri Suraksha Bima Yojana’ and provide consent for auto‑debit.<br>
- Verify personal details and confirm enrollment.<br>
- The premium of Rs. 20 will be debited on the policy anniversary date each year.
इस योजना के बारे में अक्सर पूछे जाने वाले प्रश्न
Applicants must be at most 70 years old on the date of enrollment.
The premium of Rs. 20 per annum is auto‑debited from the insured’s savings bank account on the policy anniversary date.
Yes, the cover is automatically renewed each year provided the premium is successfully debited; the insured may opt out at any time.