• Indian resident, age 18-70 (entry)
• Active savings bank account
• Aadhaar (recommended)
• Renewal by 31 May annually

Rs 2 lakh on accidental death OR total/permanent disability. Rs 1 lakh on permanent partial disability. Premium Rs 20/year auto-debited from bank in May.

1. Submit APY form at your bank — Or activate via online banking (most banks support this).
2. Choose insurer — Bank tied up with one of LIC / National Insurance / etc.
3. Auto-debit Rs 20 — Premium debited from account in May annually.
4. Claim — within 30 days of accident — Family or self files claim via bank with FIR + medical / death certificate.
5. Bank forwards to insurer — Insurer settles within 15 days of complete documents.

• Aadhaar
• Active savings account
• Nominee details

Coverage from premium debit date. Claim settlement: 15 days of complete docs.

• Official portal: jansuraksha.gov.in
• Helpline: PMSBY: contact your bank

• Premium not debited — insufficient balance; coverage lapses for the year.
• Claim denied — accident not within 12 months of cover; or non-eligible cause (suicide).
• Multiple bank accounts — only ONE PMSBY per person; duplicate claims rejected.
• Family unaware of cover — keep nominee informed; share scheme documents.

Most “delays” or “rejections” clear within 7-15 days of an RTI being filed. Use this 5-question template:

1. Status of my application no. _____ dated _____ as on date.
2. Name + designation of dealing officer assigned to my file.
3. Reasons for delay beyond the statutory timeline.
4. Copy of any noting / movement of my file in the past 30 days.
5. Likely date of disbursement / decision.

Auto-fill the PIO + your case: Open the AI RTI Drafter →

More schemes for you: All unorganised workers schemes

No — explicitly excluded. Only “accidental” death/disability.

31 May each year. Auto-debit if account has balance + active linkage.

Within 30 days of accident. Documents within 60 days of claim filing.

No — government underwrites a large risk pool; per-person premium stays low.

• All 150 Sarkari Yojanas
• 25 status-check guides
• 30 documents-required checklists
• 25 how-to-apply guides
• 16 rejection-recovery guides
• 10 audience-hub schemes
• 32 helplines + grievance routes
• Full RTI Playbook

• Official portal: jansuraksha.gov.in
• Issued by: Ministry of Finance / Public Sector Insurers
• Launched: 2015
• Citizen feedback via %%AwaazRTI%% (composite, identifying details removed)

Last reviewed: 26 April 2026.