Pradhan Mantri Suraksha Bima Yojana (PMSBY)
₹2 lakh accident insurance for just ₹20 a year.
Apply Directly on the Official Portal
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Scheme Overview
Pradhan Mantri Suraksha Bima Yojana is a one-year renewable accident insurance scheme of the Government of India. For a premium of ₹20 a year, auto-debited from your savings account, it covers accidental death and disability. It is open to bank and post office account holders aged 18 to 70. The policy year runs from 1 June to 31 May.
Target Beneficiaries
Bank and post office savings account holders aged 18 to 70
Assistance / Benefit Type
Accident Insurance Cover
Key Benefits & Financial Assistance
- ₹2 lakh on accidental death.
- ₹2 lakh on total and permanent disability (loss of both eyes, both hands or feet, or one eye and one hand or foot).
- ₹1 lakh on permanent partial disability (loss of sight in one eye or loss of one hand or foot).
- Premium of ₹20 a year, auto-debited from your account.
Eligibility Criteria
Ensure you satisfy all the following government conditions before applying:
- 1Aged 18 to 70 years.
- 2Savings account in a bank or post office, with consent for auto-debit.
- 3Aadhaar is the main KYC for the account.
- 4Only one PMSBY cover per person.
Documents Required Checklist
Keep clear digital scanned copies (PDF or JPG under 200 KB) ready:
How to Apply (Official Process)
Get the Form or Use Net Banking
Download the PMSBY form from jansuraksha.gov.in or enrol at your bank branch, through net banking, mobile banking or SMS.
Fill in Nominee Details
Add nominee details and give consent for the ₹20 yearly auto-debit.
Submit and Keep the Acknowledgment
Submit the form and keep the acknowledgment slip as your certificate of insurance.
Renew Every Year
Keep at least ₹20 in the account before 31 May each year so the cover renews automatically.
Frequently Asked Questions about PMSBY
Does PMSBY cover death due to illness?
No. PMSBY covers only accidental death and disability. For death from any cause, take PMJJBY.
How soon must an accident claim be filed?
File the claim at the bank as soon as possible, ideally within 30 days of the accident, with the FIR or police report, hospital records and death or disability certificate.
Is ₹20 the premium for the whole year?
Yes, ₹20 is the premium for one year of cover, debited once a year.
Scheme Factsheet
Central Government Scheme
All India
Financial Inclusion & Insurance
₹2.0 Lakh
Policy year: 1 June to 31 May. Enrolment is open throughout the year.
Verified Government Sources
1800-180-1111 / 1800-110-001 (toll-free)
Never pay money to agents promising guaranteed approval for PMSBY. Government welfare registrations are strictly handled through official channels.
Related Welfare Schemes
Other government initiatives you might be eligible for:
Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana (PM-JAY)
World's largest government-funded health assurance scheme providing ₹5,00,000 cashless cover per family per year.
Atal Pension Yojana (APY)
Government-guaranteed lifelong monthly pension of ₹1,000 to ₹5,000 for workers in the unorganized sector.
Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
₹2 lakh life insurance for ₹436 a year, through your bank or post office account.