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PM Suraksha Bima Yojana (PMSBY)

Rs 2 lakh accidental death + permanent disability cover for just Rs 20/year. Auto-debit from bank. * Indian resident, age 18-70 (entry) * Active savings bank.

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—yojana:pmsby-suraksha-bima [2026/05/05 04:27] (current) – created - external edit 127.0.0.1
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 +{{htmlmetatags>
 +metatag-keywords=(pmsby, pradhan mantri suraksha bima, accident insurance scheme, pmsby claim)
 +metatag-description=(Rs 2 lakh accidental death + permanent disability cover for just Rs 20/year. Auto-debit from bank. * Indian resident, age 18-70 (entry) * Active savings bank.)
 +}}
  
 +====== PM Suraksha Bima Yojana (PMSBY) ======
 +{{:social:auto:yojana-pmsby-suraksha-bima.png?direct&1200 |PM Suraksha Bima Yojana (PMSBY) — RTI Wiki}}
 +
 +<WRAP info>
 +**Rs 2 lakh accidental death / total disability + Rs 1 lakh partial disability cover, premium just Rs 20/year (auto-debit).**
 +
 +**Launched:** 2015  ·  **Issued by:** Ministry of Finance / Public Sector Insurers
 +</WRAP>
 +
 +===== Who is eligible =====
 +  * Indian resident, age 18-70 (entry)
 +  * Active savings bank account
 +  * Aadhaar (recommended)
 +  * Renewal by 31 May annually
 +
 +===== What you get =====
 +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.
 +
 +===== How to apply (step-by-step) =====
 +  - **Submit APY form at your bank** — Or activate via online banking (most banks support this).
 +  - **Choose insurer** — Bank tied up with one of LIC / National Insurance / etc.
 +  - **Auto-debit Rs 20** — Premium debited from account in May annually.
 +  - **Claim — within 30 days of accident** — Family or self files claim via bank with FIR + medical / death certificate.
 +  - **Bank forwards to insurer** — Insurer settles within 15 days of complete documents.
 +
 +===== Documents needed =====
 +  * Aadhaar
 +  * Active savings account
 +  * Nominee details
 +
 +===== Timeline =====
 +Coverage from premium debit date. Claim settlement: 15 days of complete docs.
 +
 +===== Portal + helpline =====
 +  * **Official portal:** [[https://jansuraksha.gov.in|jansuraksha.gov.in]]
 +  * **Helpline:** PMSBY: contact your bank
 +
 +===== Common issues =====
 +  * 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.
 +
 +===== Benefit delayed or rejected? File an RTI =====
 +
 +Most "delays" or "rejections" clear within 7-15 days of an RTI being filed. Use this 5-question template:
 +
 +<code>
 +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.
 +</code>
 +
 +**Auto-fill the PIO + your case:** [[:citizen-rti-playbook|Open the AI RTI Drafter →]]
 +
 +**More schemes for you:** [[:audience:unorganised-workers|All unorganised workers schemes]]
 +
 +===== Frequently asked questions =====
 +==== Is suicide covered? ====
 +No — explicitly excluded. Only "accidental" death/disability.
 +
 +==== Renewal by when? ====
 +31 May each year. Auto-debit if account has balance + active linkage.
 +
 +==== Claim deadline? ====
 +Within 30 days of accident. Documents within 60 days of claim filing.
 +
 +==== Premium too good to be true? ====
 +No — government underwrites a large risk pool; per-person premium stays low.
 +
 +===== Summary + next step =====
 +
 +<WRAP center round tip 90%>
 +**Bottom line:** Rs 2 lakh accidental death / total disability + Rs 1 lakh partial disability cover, premium just Rs 20/year (auto-debit). Apply at **jansuraksha.gov.in**. If delayed beyond timeline, file an RTI — most cases clear within 15 days.
 +
 +  * **Apply now:** [[https://jansuraksha.gov.in|jansuraksha.gov.in]]
 +  * **If delayed — RTI Drafter:** [[:citizen-rti-playbook|File RTI in 5 minutes]]
 +  * **Browse all 150 yojanas:** [[:yojana:start|Sarkari Yojana index]]
 +</WRAP>
 +
 +===== Related =====
 +  * [[:yojana:start|All 150 Sarkari Yojanas]]
 +  * [[:check-status:start|25 status-check guides]]
 +  * [[:documents:start|30 documents-required checklists]]
 +  * [[:how-to-apply:start|25 how-to-apply guides]]
 +  * [[:rejection-recovery:start|16 rejection-recovery guides]]
 +  * [[:audience:start|10 audience-hub schemes]]
 +  * [[:helplines:start|32 helplines + grievance routes]]
 +  * [[:citizen-rti-playbook|Full RTI Playbook]]
 +
 +===== Sources =====
 +  * Official portal: jansuraksha.gov.in
 +  * Issued by: Ministry of Finance / Public Sector Insurers
 +  * Launched: 2015
 +  * Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html|%%AwaazRTI%%]] (composite, identifying details removed)
 +
 +//Last reviewed: 26 April 2026.//
 +
 +{{tag>yojana sarkari-yojana pmsby-suraksha-bima}}