Pradhan Mantri Suraksha Bima Yojana (PMSBY) is a one-year personal accident insurance scheme from the central government, renewable from year to year. It offers accidental death and disability cover to savings bank and post office account holders in the age group of 18 to 70 years. Updated PMSBY scheme details and guidelines are available to download in PDF format at www.jansuraksha.gov.in.
As per the latest PMSBY scheme details, any person between the age of 18 to 70 years can get accidental insurance coverage by paying a small premium. The scheme is still open for enrolment through participating banks and post offices, and the official portal also allows online application and premium payment.
PMSBY Scheme Details
PMSBY is an accident insurance scheme that offers accidental death and disability cover for death or disability on account of an accident. It is a one year cover which is renewable every year, and the premium is auto-debited from the savings bank account of the subscriber.
- All individual bank and post office account holders in the age group of 18 to 70 years in participating banks and post offices are entitled to join the scheme.
- As per the updated PMSBY scheme details, the premium amount to be paid is only Rs. 20 for one year, which is auto-debited from the account.
- On payment of premium, a person is entitled to Rs. 2 lakh accidental insurance coverage for death or permanent total disability, and Rs. 1 lakh for partial disability.
- The risk cover period runs from 1st June to 31st May every year, and the cover is renewable each year.
- Official website for PM Suraksha Bima Yojana scheme is www.jansuraksha.gov.in, and online application is available at jansuraksha.in.
PMSBY Highlights
| Detail | Information |
|---|---|
| Scheme Name | Pradhan Mantri Suraksha Bima Yojana (PMSBY) |
| Launched By | Central Government |
| Beneficiaries | Bank and post office account holders aged 18 to 70 years |
| Benefit Amount | Rs. 2 lakh on accidental death or permanent total disability, Rs. 1 lakh on partial disability |
| Premium | Rs. 20 per year |
| Application Mode | Online at jansuraksha.in and through participating banks and post offices |
| Official Website | www.jansuraksha.gov.in |
How to Apply Online for PMSBY
Eligible people can apply for PMSBY online through the Jan Suraksha national portal. The process is simple and takes only a few minutes.
STEP 1 - Go to the official Jan Suraksha portal at jansuraksha.in and select the Pradhan Mantri Suraksha Bima Yojana (PMSBY) option from the list of schemes.
STEP 2 - Enter the required details such as name, bank account number, Aadhaar number and mobile number, and give consent to join the scheme.
STEP 3 - Pay the premium of Rs. 20 for one year online and complete the enrolment. The digital certificate of insurance is issued within minutes.
Documents Required
Applicants need a few basic documents to enrol in the scheme. The main requirement is a savings bank or post office account with a participating bank.
- Aadhaar card, which is the primary KYC for the bank account.
- Savings bank account or post office account details of a participating bank.
- Mobile number linked to the bank account for receiving updates and OTP.
FAQ's
Who can join PMSBY?
Any individual bank or post office account holder in the age group of 18 to 70 years in a participating bank or post office can join the scheme. In case of multiple accounts, a person can join through only one savings bank account.
What is the premium for PMSBY?
The premium is only Rs. 20 per year, which is auto-debited from the savings bank account of the subscriber.
What is the claim amount under PMSBY?
The scheme pays Rs. 2 lakh on accidental death or permanent total disability, and Rs. 1 lakh on partial disability.
Is PMSBY still running in 2026?
Yes, PMSBY is a continuing scheme of the Central government and is still open for enrolment through banks, post offices and the online Jan Suraksha portal.
