PM Suraksha Bima Yojana (PMSBY) Application & Claim Form 2026 PDF Download

Pradhan Mantri Suraksha Bima Yojana (PMSBY) is a one-year accident insurance scheme of the central government that gives Rs. 2 lakh cover for accidental death and disability at a premium of just Rs. 20 per year. PMSBY application and claim forms are available for download on the official Jan Suraksha portal at jansuraksha.gov.in.

PMSBY was launched in May 2015 along with PM Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY) to give affordable safety support to people who have no other insurance cover. The scheme is renewable every year and the cover period runs from 1 June to 31 May. Read on to know the eligibility, premium, claim process and the steps to download the PMSBY application form and claim form PDF.

PMSBY Application & Claim Form PDF Download

PM Suraksha Bima Yojana gives accidental insurance cover to all people of India. In case of accidental death, complete disability, or total loss of both hands or feet, the insured person gets up to Rs. 2 lakh. For partial disability or loss of one hand, foot, eye or sight, the cover is Rs. 1 lakh. Below is the complete process to download the PMSBY application form and claim form from the official portal.

STEP 1 - First, visit the official Jan Dhan Se Jan Suraksha website at jansuraksha.gov.in.

STEP 2 - On the homepage, click on the "Forms" option in the header, or directly open https://jansuraksha.gov.in/Forms.aspx.

STEP 3 - On the forms page, click on the "Pradhan Mantri Suraksha Bima Yojana" tab, or directly open https://jansuraksha.gov.in/Forms-PMSBY.aspx.

STEP 4 - Click on either the "Application Forms" tab or the "Claim Forms" tab. Then choose the language in which you want to download the PMSBY application form or claim form.

STEP 5 - The PM Suraksha Bima Yojana application form PDF in English will appear as shown below.

STEP 6 - The Pradhan Mantri Suraksha Bima Yojana claim form PDF will appear as shown below and can be downloaded online.

STEP 7 - Download the form in PDF format in the language of your choice and submit it to your bank to get PMSBY scheme benefits.

Check the PMSBY scheme details below to fill the form correctly and get the benefits.

PMSBY Scheme Details at a Glance

PMSBY Scheme Eligibility Criteria

All applicants must meet the eligibility criteria to get PMSBY scheme benefits:

• PMSBY is available to people in the age group of 18 to 70 years.
• The applicant should have an active savings bank account in a participating bank.
• The applicant has to sign a consent cum declaration form for auto-debit of the premium.
• A person can join PMSBY through only one bank account, even if he or she has more than one account.

PM Suraksha Bima Yojana accident insurance also covers permanent disablement due to accident.

PM Suraksha Bima Yojana Premium

The biggest advantage of Suraksha Bima Yojana is that even the poorest families can afford the premium. Total Premium: Rs. 20 per year per member.

Auto Debit Facility in PM Suraksha Bima Yojana

PMSBY insurance cover runs from 1 June to 31 May of every financial year. Once the insurance is taken, Rs. 20 is auto-debited from the savings bank account of the policy holder. The auto-debit happens on or before 1 June for the cover period 1 June to 31 May on an annual renewal basis.

If the auto-debit of the premium does not happen on 1 June for some reason, the insurance cover stops. The policy is renewed automatically after the premium is debited from the bank account. Under PMSBY, the risk cover is Rs. 2 lakh for accidental death and permanent total disability, and Rs. 1 lakh for permanent partial disability.

Where to Buy Pradhan Mantri Suraksha Bima Yojana

PMSBY is offered through Public Sector General Insurance Companies or any other general insurance company that has a tie-up with participating banks. The scheme is also available through India Post. You can submit the PMSBY application form to the bank where you have a savings account. The form can be downloaded from the official Jan Suraksha website at jansuraksha.gov.in. For the official scheme details, check the PMSBY page on financialservices.gov.in.

Scope of Coverage of Suraksha Bima Yojana

Here are the main points about the coverage of the scheme:

• Only one policy is allowed per person, even if the person has more than one savings bank account.
• Aadhaar card is the required and primary document for getting registered under the scheme.
• The premium is auto-debited every year from the savings bank account of the policy holder.
• If a policy holder leaves the scheme for any reason, he or she can join again from the next year with the same terms and conditions.

Termination of Suraksha Bima Yojana

There are certain situations in which the policy of the holder is stopped and no benefits are paid after that. These conditions are:

1. On attaining the age of 70 years.
2. Due to insufficient balance in the savings account at the time of policy renewal in later years.
3. If the subscriber is found to be covered under more than one savings bank account and the premium is being paid from more than one account. Only one policy cover stays active and the other is terminated, and the premium paid is forfeited.
4. If the cover is terminated for technical or administrative reasons, it can be reinstated on receipt of the full annual premium.

How to Claim PMSBY Accident Insurance Scheme Benefits

PMSBY covers death caused by accident and disability supported by documents as proof. This includes road, rail and vehicle accidents, drowning, death involving any crime reported to police, snakebite, fall from a tree and other causes supported by immediate hospital records.

PM Suraksha Bima Yojana Progress Report

Ministry of Finance data shows cumulative enrolment under PMSBY stood at 50.15 crore as on 28 February 2025. The scheme continues to be one of the largest accident insurance schemes in the country.

Pradhan Mantri Suraksha Bima Yojana Features

Here are the important features and highlights of PMSBY:

• The scheme gives accidental death benefit of up to Rs. 2 lakh.
• In case of accidental death, permanent total disability, or total loss of both hands, both eyes or one leg or foot, the cover is up to Rs. 2 lakh.
• The sum assured is Rs. 1 lakh in case of partial disability or loss of one leg, hand, foot, eye or sight.
• The assured amount is paid to the nominee.
• The scheme is renewed every year with a single year cover at a time.

PMSBY is offered by Public Sector General Insurance Companies or any other general insurance company willing to offer the product on similar terms with the required approvals and tie-ups with banks. Banks can choose any insurance company to offer the scheme to their customers.

Background of Pradhan Mantri Suraksha Bima Yojana Policy

PMSBY was launched in May 2015 as a government backed accidental death insurance scheme. At that time, only 20% of India's population had any kind of insurance, and this scheme was made to increase that number. Suraksha Bima Yojana is mainly for people who are not covered under any insurance scheme, especially in rural areas.

PM Suraksha Bima Yojana is available for all, but it was launched keeping in mind people from poor families and those who cannot afford the insurance plans of private or public sector companies. In case of accidental death of the account holder, the nominee can claim the insurance cover. For more details, visit the official website at jansuraksha.gov.in.

FAQ's

What is the premium of PM Suraksha Bima Yojana?

The annual premium of PMSBY is Rs. 20, which is auto-debited from the savings bank account of the policy holder.

Who can apply for PMSBY?

Any savings bank account holder in the age group of 18 to 70 years can join the scheme by giving consent for auto-debit of the premium.

Where can I download the PMSBY application form?

The PMSBY application form and claim form can be downloaded from the official Jan Suraksha website at jansuraksha.gov.in.