The Pradhan Mantri Suraksha Bima Yojana (PMSBY) is a government-backed accident insurance scheme that offers annual coverage of ₹2 lakh for accidental death or total disability, and ₹1 lakh for partial disability, at an affordable premium of just ₹20 per year. Open to Indian residents aged 18–70 with a bank or post office account, the scheme ensures financial protection for families against unforeseen accidents, with easy online or offline enrolment and renewal.
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
- 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.
Application Process
Offline & 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
Documents Required
For Pradhan Mantri Suraksha Bima Yojana (PMSBY), the documentation is minimal because the scheme is linked to an existing bank or post office account. However, you must ensure your KYC details are updated in the linked account before enrolment. The typical documents required are:
- Aadhaar Card – As proof of identity and for seeding with your bank/post office account if not already linked.
- Bank/Post Office Account Passbook or Statement – To verify the account from which the premium will be auto-debited.
- Passport-size Photograph – Only if requested for KYC completion.
- Completed PMSBY Application/Consent Form – Signed by the applicant, available in multiple languages from the Jan Suraksha portal (https://jansuraksha.gov.in/Forms-PMSBY.aspx).
- Nominee Details with Proof of Relationship – Such as Aadhaar, voter ID, or birth certificate, for claim settlement purposes.
- Any other document prescribed by the bank/post office – This could include PAN card, voter ID, or driving licence if the account’s KYC is incomplete.
For online enrolment, physical submission of documents is usually not required if your account is already KYC-compliant. You only need to log in to your internet or mobile banking and give digital consent for auto-debit.
Summary Table
| Feature | Current Details (PMSBY) |
|---|---|
| Premium | ₹20 per annum, auto-debited from the bank/post office account (typically late May) |
| Coverage Period | 1 June – 31 May (1 year) |
| Accidental Death / Total Irrecoverable Loss | ₹2 lakh |
| Partial Loss (one eye/limb) | ₹1 lakh |
| Age Eligibility | 18 – 70 years |
| Termination Conditions | On attaining 70 years of age, closure of linked account, insufficient balance for premium debit, or detection of duplicate coverage |
| Duplicate Coverage Handling | Restricted to ₹2 lakh; excess/duplicate covers forfeited |
| Application Method | Online (net banking, mobile banking, Jan Suraksha portal) or offline through bank/post office branch |
| Proposed Related Change | PMJJBY cover (related life insurance scheme) may increase to ₹4 lakh with proportionately higher premium (under review by Govt. of India) |
Frequently Asked Questions
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.
Sources And References
Official Jan Suraksha Portal – PMSBY
https://jansuraksha.gov.in/Forms-PMSBY.aspx
(Contains scheme forms, enrolment details, FAQs, and guidelines)
MyScheme Government Portal – PMSBY
https://www.myscheme.gov.in/schemes/pmsby
(Comprehensive government-backed description of benefits, eligibility, and process)
Department of Financial Services – Social Security Schemes
https://financialservices.gov.in/beta/en/pmjjby
(While the link primarily covers PMJJBY, DFS also publishes PMSBY circulars and updates)
ICICI Bank – PMSBY Information Page
https://www.icicibank.com/personal-banking/insurance/pradhan-mantri-bima-yojana
(Bank-specific enrolment process and benefit details)
Canara Bank – Social Security Insurance Schemes
https://canarabank.com/pages/Pradhan-Mantri-Jeevan-Jyoti-Bima-Yojana
(Includes PMSBY terms, claims, and eligibility details)
Press Information Bureau (PIB) – Government of India Releases
https://pib.gov.in
(Official press releases about policy updates, scheme performance, and coverage data)
State-wise PMSBY Toll-Free Numbers PDF
https://jansuraksha.gov.in/files/STATEWISETOLLFREE.pdf
(For customer support and claim assistance)
स्रोत और संदर्भ
- आधिकारिक जन सुरक्षा पोर्टल – PMSBY
https://jansuraksha.gov.in/Forms-PMSBY.aspx
(योजना के फॉर्म, नामांकन विवरण, FAQs और दिशा-निर्देश उपलब्ध) - माईस्कीम सरकारी पोर्टल – PMSBY
https://www.myscheme.gov.in/schemes/pmsby
(योजना के लाभ, पात्रता और प्रक्रिया का सरकारी विवरण) - वित्तीय सेवा विभाग – सामाजिक सुरक्षा योजनाएं
https://financialservices.gov.in/beta/en/pmjjby
(हालांकि यह लिंक मुख्य रूप से PMJJBY को कवर करता है, DFS PMSBY से जुड़े परिपत्र और अपडेट भी प्रकाशित करता है) - आईसीआईसीआई बैंक – PMSBY जानकारी पृष्ठ
https://www.icicibank.com/personal-banking/insurance/pradhan-mantri-bima-yojana
(बैंक-विशिष्ट नामांकन प्रक्रिया और लाभ विवरण) - केनरा बैंक – सामाजिक सुरक्षा बीमा योजनाएं
https://canarabank.com/pages/Pradhan-Mantri-Jeevan-Jyoti-Bima-Yojana
(PMSBY की शर्तें, दावे और पात्रता विवरण) - प्रेस इन्फॉर्मेशन ब्यूरो (PIB) – भारत सरकार रिलीज़
https://pib.gov.in
(योजना अपडेट, प्रदर्शन और कवरेज से संबंधित आधिकारिक प्रेस विज्ञप्ति) - राज्यवार PMSBY टोल-फ्री नंबर PDF
https://jansuraksha.gov.in/files/STATEWISETOLLFREE.pdf
(ग्राहक सहायता और दावा सहायता के लिए)
