What is the purpose of Pradhan Mantri Suraksha Bima Yojana?

Pradhan Mantri Suraksha Bima Yojana is a government welfare initiative designed to support Individual, All through benefits related to Banking,Financial Services and Insurance, financial assistance, subsidies, social welfare, healthcare, education, or livelihood support.

Who can apply for Pradhan Mantri Suraksha Bima Yojana?

Eligibility for Pradhan Mantri Suraksha Bima Yojana may depend on factors such as income category, age, gender, occupation, state of residence, social category, and government-defined beneficiary criteria.

What benefits are offered under Pradhan Mantri Suraksha Bima Yojana?

Benefits under Pradhan Mantri Suraksha Bima Yojana may include financial assistance, subsidies, scholarships, insurance support, healthcare benefits, pension support, training assistance, or welfare services depending on the scheme guidelines.

Which department manages Pradhan Mantri Suraksha Bima Yojana?

Pradhan Mantri Suraksha Bima Yojana is managed by Department of Financial Service and may be implemented through district offices, online portals, CSC centres, banks, or authorised government agencies.

Can users apply online for Pradhan Mantri Suraksha Bima Yojana?

Yes, eligible applicants may be able to apply online for Pradhan Mantri Suraksha Bima Yojana through official government portals, authorised service centres, or digital application systems depending on the implementation process.

Is Aadhaar mandatory for Pradhan Mantri Suraksha Bima Yojana?

Many government schemes may require Aadhaar verification, identity proof, or linked bank account details for beneficiary validation and direct benefit transfer processing.

Where can users apply for Pradhan Mantri Suraksha Bima Yojana?

Applications for Pradhan Mantri Suraksha Bima Yojana may be submitted through government departments, official scheme portals, CSC centres, district offices, welfare departments, or authorised service centres.

What documents may be required for Pradhan Mantri Suraksha Bima Yojana?

Applicants may need Aadhaar card, income certificate, residence proof, bank account details, caste certificate, photographs, educational records, or occupation-related documents depending on scheme eligibility requirements.

Is Pradhan Mantri Suraksha Bima Yojana a central government scheme?

Yes, Pradhan Mantri Suraksha Bima Yojana is a central government welfare initiative that may be implemented across multiple states through authorised departments and agencies.

Does Pradhan Mantri Suraksha Bima Yojana provide healthcare or insurance support?

Pradhan Mantri Suraksha Bima Yojana may provide healthcare assistance, insurance coverage, cashless treatment support, medical reimbursement, or hospital-related benefits depending on the scheme structure.

Can beneficiaries use Pradhan Mantri Suraksha Bima Yojana at government hospitals?

Eligible beneficiaries may be able to access services at empanelled hospitals, government healthcare facilities, or authorised healthcare providers depending on scheme participation rules.

Can CSC centres help users apply for Pradhan Mantri Suraksha Bima Yojana?

Many government schemes may be accessible through nearby CSC centres, authorised digital service centres, or welfare facilitation offices.

How can users check the latest updates for Pradhan Mantri Suraksha Bima Yojana?

Users should verify official notifications, department announcements, application deadlines, and eligibility updates through authorised government portals or implementing agencies.

Are there deadlines for applying to Pradhan Mantri Suraksha Bima Yojana?

Some schemes may operate through fixed application windows, annual registration cycles, or department-specific deadlines depending on scheme implementation policies.

Can beneficiaries track application status for Pradhan Mantri Suraksha Bima Yojana?

Certain schemes may provide online application tracking, beneficiary verification systems, or status-check facilities through official portals.

Where can users get help for Pradhan Mantri Suraksha Bima Yojana in All India?

Users in All India may seek assistance through CSC centres, district welfare offices, government departments, agriculture offices, social welfare departments, or authorised facilitation centres.

Which nearby public services may help with Pradhan Mantri Suraksha Bima Yojana applications?

Depending on the scheme, users may require support from Aadhaar centres, CSC centres, banks, hospitals, post offices, or government welfare offices for document verification and application assistance.

Pradhan Mantri Suraksha Bima Yojana – eligibility, benefits & apply

Scheme profile

DBT (direct benefit transfer): No

Scheme open date: 2015-05-09

Categories: Banking,Financial Services and Insurance

Sub-categories: Insurance

Target beneficiaries: All

Tags: Bank Account Holders, Insurance, Accident Insurance, Death Insurance

Details

Pradhan Mantri Suraksha Bima Yojana — scheme image

An Accident Insurance Scheme offering accidental death and disability cover for death or disability on account of an accident.
Premium:
Rs.20/- per annum per member. The premium will be deducted from the account holder’s bank / Post office account through ‘auto debit’ facility on or before 1st June of each annual coverage period under the scheme.
Coverage Duration:
Coverage under PMJJBY is valid for one year from 1st June to 31st May on payment of annual premium.
Accident cover assurance termination:
The accident cover of the member shall terminate / be restricted accordingly on any of the following events:
• On attaining age 70 years (age nearer birth day).
• Closure of account with the Bank or insufficiency of balance to keep the insurance in force.
In case a member is covered under PMSBY through more than one account and premium is received by insurance company inadvertently, insurance cover will be restricted to Rs. 2 lakh.

Benefits

1. On Death- the Nominee shall get Rs. 2 Lakhs. 1. Total and irrecoverable loss of both eyes or loss of use of both hands or feet or loss of sight of one eye and loss of use of hand or foot- Subscriber shall get Rs. 2 Lakhs. 1. Total and irrecoverable loss of sight of one eye or loss of use of one hand or foot –subscriber shall get Rs. 1 Lakh

On Death- the Nominee shall get Rs. 2 Lakhs.
Total and irrecoverable loss of both eyes or loss of use of both hands or feet or loss of sight of one eye and loss of use of hand or foot- Subscriber shall get Rs. 2 Lakhs.
Total and irrecoverable loss of sight of one eye or loss of use of one hand or foot –subscriber shall get Rs. 1 Lakh.

Eligibility

Individual bank account holders of participating banks aged between 18 years (completed) and 70 years (age nearer birthday) who give their consent to join / enable auto-debit, will be enrolled into the scheme.

How useful is this scheme?

Public benefit analysis

A practical look at this scheme for citizens

AI-generated insights showing how useful, accessible, and practical this scheme may be — combining deterministic scoring rules with a public-policy LLM analyst.

7.3

/ 10

Public Benefit Score

Accessibility 7.0/10 Good

Rural usefulness 6.0/10 Moderate

Application complexity 5.0/10 Moderate

Financial impact 9.0/10 Good

Literacy barrier 4.0/10 Moderate

Women inclusivity 7.0/10 Good

Awareness 8.5/10 Good

Implementation reliability 8.0/10 Good

Bigger shape means a better fit for citizens

Accessibility7.0
Financial impact9.0
Rural utility6.0
Awareness8.5
Simplicity5.0
Inclusivity7.0

What problem does this scheme solve?

The Pradhan Mantri Suraksha Bima Yojana provides essential accident insurance coverage to individuals, enhancing financial security for low-income groups.

Key challenges addressed

Provides financial support in case of accidental death or disability.

Most beneficial for

Low-income individuals
Bank account holders

Likely challenges

Awareness of the scheme
Understanding the application process

Practical insights for citizens

Practical for those with bank accounts, but challenges remain for the unbanked.

Rural challenges

Limited awareness in rural areas
Access to banking facilities

Digital challenges

Limited internet access in rural regions
Dependence on bank's net banking facility

Implementation bottlenecks

Awareness and understanding of the scheme

Awareness challenges

Low awareness among potential beneficiaries

Application analysis

Application mode: Hybrid
Documents burden: Minimal, no specific documents required
Verification complexity: Moderate, requires bank verification
Office dependency: Moderate, can apply offline or online
DBT dependency: Low, benefits are not directly transferred to bank accounts
CSC support: Available at local CSCs
Estimated citizen effort: Moderate, requires visiting bank or online application

Estimated beneficiary reach

Rural / urban reach Moderate
Gender reach All
Target income group Low-income individuals
Occupation reach All occupations

Benefit analysis

Benefit type: Cash
Benefit frequency: One-time payment upon claim
Benefit practicality: High, provides significant financial support
Financial meaningfulness: High, especially for low-income families
Long-term impact: Positive, enhances financial security for beneficiaries

Plain-language guidance

The Pradhan Mantri Suraksha Bima Yojana offers affordable accident insurance for bank account holders aged 18 to 70. For a small annual premium, you can secure financial support for your family in case of an accident.

Who should apply: Individuals aged 18-70 with a bank account.
Who may struggle: Those unfamiliar with banking processes or without internet access.
Best application route: Apply via your bank branch or through net banking.

This intelligence section is generated by an AI policy analyst combined with rule-based scoring. Scores and narrative are estimates derived from the publicly available scheme information shown on this page; actual experience may vary by state, district, and department. Always confirm details on the official portal before you apply.

Application Process

Offline

Step 01: In order to enrol in PMSBY offline, one can visit the bank branch where one has a savings account or the candidate can visit the official site: https://jansuraksha.gov.in/Forms-PMSBY.aspx**** to download the form.
Step 02: After downloading the application form , candidate can fill in all the details and submit them to the bank along with the required documents.
Step 03: Once it is successfully submitted , subscriber will get an Acknowledgement Slip Cum Certificate of Insurance.
Contact:
State wise tollfree number - https://jansuraksha.gov.in/files/STATEWISETOLLFREE.pdf
National Toll Free Number - 1800-180-1111 / 1800-110-001

Online

One can also avail cover under PMSBY online using their bank's Net banking facility.

Clarifications

Additional points from the scheme information published on myScheme (not legal advice).

Is There Any Provision For Reimbursement of Hospitalization expenses following accident Resulting In Death Or Disablement?: No.
Who Can Claim Insurance Benefit In Case Of Death Of The Bank Account Holder Who Gave The Enrolment Form?: In case of death of the Account holder who enrolled in the scheme, claim can be filed by the nominee/appointee as per the enrolment form or by the legal heir/s in case there is no nomination made by the subscriber bank account holder.
What Is The Mode Of Payment Of The Claim Amount?: Disability Claim will be credited in the bank account of the insured bank account holder. Death claims will be remitted to the bank account of the nominee / legal heir(s).
Will The Family Get Insurance Benefit If The Account Holder Commits Suicide?: No.
Is It Necessary To Report Accidents To Police And Obtain FIR For Claiming Benefits Under The Policy?: In case of incidents like Road, Rail and similar vehicular accidents, drowning, death involving any crime etc., the accident should be reported to police. In case of incidents like snake bite, fall from tree etc., the cause should be supported by immediate hospital record.
If The Insured Is Missing And Death Is Not Confirmed, Will The Legal Heirs Get Benefit Of Insurance?: PMSBY covers deaths confirmed by documentary evidence to have been caused by accident.
What Benefit Will Be Payable if A Person Suffers Partial Disability Without Irrecoverable Loss Of Sight Of One Eye Or Loss Of Use Of One Hand Or Foot?: No benefit will be payable.
Can An Account Holder Get Claim From More Than One Bank Where He Has Enrolled And Premium Has Been Debited?: No. The insured/ Nominee shall be eligible for one claim only.
Can A Individual Join PMSBY From Multiple Bank Accounts?: No. In case of multiple bank accounts held by an individual in one or different banks, the person would be eligible to join the scheme through one bank/post office account only.
What Is The Minimum And Maximum Age Limit For Entry Into This Scheme?: Individuals aged between 18 years (completed) and 70 years (age nearer birthday) are eligible for this scheme.
How Will The Premium Be Paid?: The premium will be deducted from the account holder's bank / Post office account through 'auto debit' as per the consent given on enrolment.
Can Eligible Individuals Who Fail To Join The Scheme In The Initial Year Join In Subsequent Years?: Yes, on payment of premium through auto-debit. New eligible entrants in future years can also join accordingly.
Can Individuals Who Leave The Scheme Rejoin?: Individuals who exit the scheme at any point may re-join the scheme in future years by paying the annual premium, subject to conditions that may be laid down.
Will This Cover Be In Addition To Cover Under Any Other Insurance Scheme The Subscriber May Be Covered Under?: Yes.
Does The PMSBY Cover Death / Disability Resulting From Natural Calamities Such As Earthquake, Flood And Other Convulsions Of Nature? What about coverage of suicide / murder?: Natural calamities being in the nature of accidents, any death / disability (as defined under PMSBY) resulting from such natural calamities is also covered under PMSBY. While death due to suicide is not covered, that from murder is covered
Can All Holders Of A Joint Bank Account Join The Scheme Through The Said Account?: In case of a joint account, all holders of the said account can join the scheme provided they satisfy its eligibility criteria and pay the premium at the rate of Rs.20 per person, per annum through auto-debit.
Which Bank Accounts Are Eligible For Subscribing To PMSBY?: All bank/post office account holders other than institutional account holders are eligible for subscribing to PMSBY scheme.
Are NRIs Eligible For Coverage Under PMSBY?: Any NRI having an eligible bank account with a bank branch located in India is eligible for purchase of PMSBY cover through this account subject to fulfilment of the terms and conditions relating to the scheme. However, in cases of a claim , the claim benefit will be paid to the beneficiary/ nominee only in Indian currency.

Official links

References

Scheme Guidelines: https://jansuraksha.gov.in/Files/PMSBY/English/Rules.pdf

Frequently asked questions

What is the purpose of Pradhan Mantri Suraksha Bima Yojana?: Pradhan Mantri Suraksha Bima Yojana is a government welfare initiative designed to support Individual, All through benefits related to Banking,Financial Services and Insurance, financial assistance, subsidies, social welfare, healthcare, education, or livelihood support.
Who can apply for Pradhan Mantri Suraksha Bima Yojana?: Eligibility for Pradhan Mantri Suraksha Bima Yojana may depend on factors such as income category, age, gender, occupation, state of residence, social category, and government-defined beneficiary criteria.
What benefits are offered under Pradhan Mantri Suraksha Bima Yojana?: Benefits under Pradhan Mantri Suraksha Bima Yojana may include financial assistance, subsidies, scholarships, insurance support, healthcare benefits, pension support, training assistance, or welfare services depending on the scheme guidelines.
Which department manages Pradhan Mantri Suraksha Bima Yojana?: Pradhan Mantri Suraksha Bima Yojana is managed by Department of Financial Service and may be implemented through district offices, online portals, CSC centres, banks, or authorised government agencies.
Can users apply online for Pradhan Mantri Suraksha Bima Yojana?: Yes, eligible applicants may be able to apply online for Pradhan Mantri Suraksha Bima Yojana through official government portals, authorised service centres, or digital application systems depending on the implementation process.
Is Aadhaar mandatory for Pradhan Mantri Suraksha Bima Yojana?: Many government schemes may require Aadhaar verification, identity proof, or linked bank account details for beneficiary validation and direct benefit transfer processing.
Where can users apply for Pradhan Mantri Suraksha Bima Yojana?: Applications for Pradhan Mantri Suraksha Bima Yojana may be submitted through government departments, official scheme portals, CSC centres, district offices, welfare departments, or authorised service centres.
What documents may be required for Pradhan Mantri Suraksha Bima Yojana?: Applicants may need Aadhaar card, income certificate, residence proof, bank account details, caste certificate, photographs, educational records, or occupation-related documents depending on scheme eligibility requirements.
Is Pradhan Mantri Suraksha Bima Yojana a central government scheme?: Yes, Pradhan Mantri Suraksha Bima Yojana is a central government welfare initiative that may be implemented across multiple states through authorised departments and agencies.
Does Pradhan Mantri Suraksha Bima Yojana provide healthcare or insurance support?: Pradhan Mantri Suraksha Bima Yojana may provide healthcare assistance, insurance coverage, cashless treatment support, medical reimbursement, or hospital-related benefits depending on the scheme structure.
Can beneficiaries use Pradhan Mantri Suraksha Bima Yojana at government hospitals?: Eligible beneficiaries may be able to access services at empanelled hospitals, government healthcare facilities, or authorised healthcare providers depending on scheme participation rules.
Can CSC centres help users apply for Pradhan Mantri Suraksha Bima Yojana?: Many government schemes may be accessible through nearby CSC centres, authorised digital service centres, or welfare facilitation offices.
How can users check the latest updates for Pradhan Mantri Suraksha Bima Yojana?: Users should verify official notifications, department announcements, application deadlines, and eligibility updates through authorised government portals or implementing agencies.
Are there deadlines for applying to Pradhan Mantri Suraksha Bima Yojana?: Some schemes may operate through fixed application windows, annual registration cycles, or department-specific deadlines depending on scheme implementation policies.
Can beneficiaries track application status for Pradhan Mantri Suraksha Bima Yojana?: Certain schemes may provide online application tracking, beneficiary verification systems, or status-check facilities through official portals.
Where can users get help for Pradhan Mantri Suraksha Bima Yojana in All India?: Users in All India may seek assistance through CSC centres, district welfare offices, government departments, agriculture offices, social welfare departments, or authorised facilitation centres.
Which nearby public services may help with Pradhan Mantri Suraksha Bima Yojana applications?: Depending on the scheme, users may require support from Aadhaar centres, CSC centres, banks, hospitals, post offices, or government welfare offices for document verification and application assistance.