पीएमएसबीवाई 2026: ₹20 में ₹2 लाख का दुर्घटना बीमा
Quick facts: Just ₹20/year premium · ₹2 lakh for accidental death · ₹1 lakh for partial disability · age 18-70 · auto-debit from any savings account · automatic enrolment for E-Shram card holders · portal jansuraksha.gov.in.
The Pradhan Mantri Suraksha Bima Yojana (PMSBY), launched alongside PMJJBY on 9 May 2015, is the cheapest meaningful insurance any Indian can buy — ₹20 per year for ₹2 lakh accidental death cover. To put this in perspective, a cup of tea costs more than your annual PMSBY premium. Yet as of 2026, over 49 crore Indians are enrolled, with 2+ lakh claims settled since launch.
PMSBY में क्या मिलता है — What’s Covered
| Event | Payout |
|---|---|
| Accidental death | ₹2,00,000 to nominee |
| Permanent total disability (loss of both eyes / both limbs / one eye and one limb) | ₹2,00,000 |
| Permanent partial disability (loss of one eye / one limb) | ₹1,00,000 |
| Natural death | Not covered (use PMJJBY for that) |
What counts as “accident”
- Road accidents, drowning, falls, burns, electrocution, machinery accidents
- Murder / homicide (if declared accidental and police report confirms)
- Death due to snake bite, animal attack, lightning
What’s NOT covered
- Natural death (disease, heart attack, old age) — use PMJJBY
- Suicide / self-inflicted injury
- Death during participation in hazardous activities (professional racing, mountaineering)
- Death due to drug abuse / alcoholism
- Death during war, riots (with some state exceptions)
- Pre-existing terminal disease causing accidental-looking death
पात्रता — Who Qualifies
- Indian citizen aged 18-70 years at enrolment
- Active savings bank account
- Aadhaar linked to the account
- Self-declaration of good health at enrolment
Automatic enrolment scenarios
- E-Shram card holders: enrolled automatically at zero premium (Government pays the ₹20/year)
- Some PSU bank accounts: opened post-2018 may auto-enroll; check your bank statement
Cover continues till age 70
Renewal is annual until age 70; after that, coverage ends automatically.
कैसे enrol करें — How to Enrol
Option 1: Net banking (1-click enrolment)
Most major Indian banks (SBI, HDFC, ICICI, PNB, BoB, Axis, Canara, Union, etc.) have a single-click PMSBY enrolment in their mobile apps:
- Log in → search “PMSBY” or “Suraksha Bima”
- Confirm name, DOB, nominee
- Accept auto-debit of ₹20/year
- Done — enrolment confirmation by SMS immediately
Option 2: Branch
- Visit bank with Aadhaar + savings account details
- Fill the PMSBY Consent-cum-Declaration form
- Add nominee details (critical)
- Submit → ₹20 debited
Option 3: Bank Mitra / Business Correspondent
Rural and semi-urban — enroll on the spot with biometric.
Option 4: E-Shram auto-enrolment
If you have an E-Shram Card, PMSBY is enrolled automatically as part of your card — Government pays the ₹20 on your behalf. Check your E-Shram profile to confirm.
Premium and Renewal
- Annual premium: ₹20 (auto-debited on 1 June each year)
- Bank account must have ₹20+ on 1 June
- If debit fails, cover lapses for 30 days; pay manually to restore
- Beyond 30 days → re-enrol with fresh health declaration
Practical tip: leave a minimum ₹500 balance in your account year-round. Between PMSBY (₹20) + PMJJBY (₹436) = ₹456 gets debited on 1 June every year for ₹4 lakh combined insurance cover.
Claim Process — Step-by-Step
Step 1: Immediate (within 30 days of accident)
Nominee informs the bank where the PMSBY is enrolled. The bank is the single point of contact.
Step 2: Documents needed
- Original death certificate (from Municipal Corporation/Gram Panchayat)
- Copy of FIR (police first information report)
- Post-mortem report (for accidental death)
- Nominee’s ID proof + bank account details
- Claim form (available at bank or jansuraksha.gov.in)
- Original PMSBY enrolment confirmation (if available)
Step 3: Bank submits to insurance partner
Claim is forwarded to the partner insurance company (typically a GIC subsidiary like New India, National, United, Oriental).
Step 4: Verification
- Document check (15-30 days)
- Independent investigator may visit the family
- Medical / police report cross-verification
Step 5: Payout
- Accidental death claim: ₹2 lakh credited to nominee’s bank in 75-90 days
- Partial disability: ₹1 lakh, after 90-120 days (requires medical board certification)
PMSBY claim-settlement ratio: 96%+ as of 2026.
Disability Claim — Partial Disability Process
For partial disability (not death):
- Obtain medical board certificate within 12 months of accident
- Certificate must specify exact disability + percentage
- Submit to bank with claim form + FIR + hospital records
- Bank forwards to insurance company
- Medical verification → payout ₹1 lakh (partial) or ₹2 lakh (total)
हेल्पलाइन — Official Helpline
| Service | Number |
|---|---|
| Jan Suraksha Helpline | 1800-110-001 |
| Alt | 1800-180-1111 |
| Bank | customer care |
| Portal | https://www.jansuraksha.gov.in |
FAQ — Common Questions
Is PMSBY enough or should I buy separate accident insurance? PMSBY’s ₹2 lakh is a baseline cover. If you’re the sole breadwinner, supplement with a personal accident policy for ₹10 lakh – ₹25 lakh (annual premium ₹1,500-3,500) from private insurers. PMSBY + personal accident = solid coverage.
Can I have both PMSBY and PMJJBY? Yes — and you should. They cover different events (accidental vs natural death). Combined premium: ₹456/year for ₹4 lakh total cover. Most financial planners recommend enrolling in both.
Does PMSBY cover accidents while driving without a helmet? Usually yes — PMSBY doesn’t exclude based on helmet or seatbelt use. However, drunk-driving accidents may be excluded (standard accident-insurance clause).
My E-Shram card auto-enrolled me in PMSBY. Do I need to enrol again at my bank? No. E-Shram auto-enrolment is valid cover at zero premium. Verify your E-Shram profile’s PMSBY section to confirm. But understand: only ONE PMSBY enrolment is active at a time — banks won’t double up.
What if I enrol but change my bank account? Inform your new bank; they can transfer your PMSBY enrolment. Alternatively, cancel old enrolment and re-enrol at new bank. Fresh 45-day waiting doesn’t apply to PMSBY (only PMJJBY has that).
What about accidents abroad? PMSBY generally covers Indian citizens on Indian territory. Accidents while traveling abroad are not covered. For international coverage, buy a travel insurance policy.
Related guides on LabhKosh
- PMJJBY ₹436 Life Insurance
- Jan Dhan Yojana Zero-Balance Account
- E-Shram Card Apply
- Ayushman Bharat Card Apply
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Last verified: 20 April 2026. Official source: https://www.jansuraksha.gov.in