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Pradhan Mantri Suraksha Bima Yojana (PMSBY)

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PM Suraksha Bima (PMSBY) — Durghatna me mrityu ya purna divyangta par ₹2 lakh, aanshik divyangta par ₹1 lakh — premium sirf ₹20 prati varsh

Seedha jawaab: Durghatna me mrityu ya purna divyangta par ₹2 lakh, aanshik divyangta par ₹1 lakh — premium sirf ₹20 prati varsh.

Vibhag: Vittiya Seva Vibhag (DFS), Vitt Mantralaya — Jan Suraksha yojanaen · Official portal: www.jansuraksha.gov.in · Helpline: 18001801111 · Jankari antim baar verify: 2026-10-20

Yojana ke baare me

PMSBY duniya ke sabse saste bimaon me se ek hai — sirf ₹20 saalana premium par durghatna ke liye ₹2 lakh tak ka cover. 18 se 70 saal ka koi bhi bank/post-office khaata-dharak jud sakta hai. Dhyaan dein — ye sirf durghatna (accident) ka bima hai: bimari se mrityu ya aspatal ka kharcha isme shamil nahi hai. Cover har saal 1 June se 31 May tak hota hai aur premium khaate se auto-debit ho jata hai, isliye May ke mahine me khaate me balance rakhna yaad rakhein.

Kaun patr hai ✓

  • 18 se 70 saal ki umar ka koi bhi vyakti jiske paas sahbhagi bank ya post-office me bachat khaata ho
  • Jisne premium ke auto-debit ki sahmati di ho
  • Ek vyakti sirf ek hi khaate ke zariye jud sakta hai

Kaun patr NAHI hai ✗

  • Bimari ya prakritik karan se mrityu/divyangta is yojana me cover nahi hai — ye keval durghatna ka bima hai; aatmahatya bhi cover me nahi hai
  • Jo divyangta yojana ki paribhasha me nahi aati (jaise ek aankh ya ek ang ka aanshik nuksan jo 'sampoorn aur theek na hone wala' na ho), us par bhugtan nahi milta — paribhasha neeche FAQ me hai
  • Asptaal ke kharche ki bharpai (reimbursement) is yojana me nahi milti

Patrata ke niyam samay-samay par badal sakte hain. Awedan se pehle apni sthiti official portal par confirm zaroor karein.

Kaunse documents chahiye

Apply kaise karein — step by step

  1. Bank/post-office shakha se form leinPMSBY form apni shakha se milta hai; kai bank net-banking/mobile app se bhi judne ki suvidha dete hain — apne bank par confirm karein.
  2. Nominee jodein aur sahmati deinForm me nominee ka sahi vivaran bharein aur ₹20/saal ke auto-debit ki sahmati dein. Premium har saal cover varsh (1 June-31 May) shuru hone par khaate se kat ta hai.
  3. Har saal khaate me balance rakheinSirf ₹20 hi chahiye, lekin us samay khaata sakriya aur balance-yukt hona chahiye. Balance na hone par cover us saal ke liye ruk jata hai.

Status / kist kaise check karein

  1. Passbook/statement check kareinHar saal ₹20 ki katauti dikhna hi cover jaari hone ka saboot hai. Na dikhe to shakha jaakar usi varsh ke liye sthiti sudharwayein.
  2. Shakha se pushtiBank/post-office shakha se PMSBY sthiti aur nominee vivaran ki pushti karayi ja sakti hai.
Thagi se bachein: Awedan bilkul muft hai. Koi vyakti naam jodne ya kist jaldi dilane ke paise mange, OTP mange, to turant mana karein aur helpline 18001801111 ya najdeeki police se shikayat karein. Apply hamesha sirf official portal (www.jansuraksha.gov.in) se karein.

Aksar puche jaane wale sawal (FAQ)

PMSBY me kitna paisa milta hai?

Durghatna me mrityu par ₹2 lakh; purna divyangta (dono aankhein, ya dono haath-pair ka upyog khona, ya ek aankh ke saath ek haath/pair) par ₹2 lakh; aanshik divyangta (ek aankh ki roshni ya ek haath/pair ke upyog ka sampoorn aur theek na hone wala nuksan) par ₹1 lakh (DFS ke anusaar).

Premium sirf ₹20 hai — koi chhupa kharcha to nahi?

Nahi. Premium ₹20 prati varsh prati sadasya hai, jo aapki sahmati se khaate se ek kist me auto-debit hota hai. Yahi is yojana ki poori lagat hai (DFS ke anusaar).

Bimari se mrityu ho jaye to claim milega?

Nahi. PMSBY sirf durghatna se hui mrityu/divyangta ko cover karta hai. Har karan se mrityu ke cover ke liye PMJJBY (₹436/saal) alag yojana hai — dono ek saath lena sabse surakshit vikalp hai.

Durghatna ke baad aspatal ka kharcha milega kya?

Nahi. PMSBY me aspatal kharche ki bharpai nahi hai — bhugtan sirf mrityu ya tay paribhasha wali divyangta par ek-musht milta hai. Muft ilaaj ke liye Ayushman Bharat PM-JAY alag yojana hai.

70 saal ke baad kya cover band ho jayega?

Haan. PMSBY ki adhiktam umar 70 saal hai — uske baad cover navinikrit nahi hota. Pravesh bhi 18-70 ke beech hi hota hai.

Premium katna band ho gaya to kya karu?

Turant apni shakha se sampark karein — balance ki kami se cover ruka hota hai. Shakha usi cover varsh ki sharton ke anusaar dobara judne ki prakriya batayegi. Har saal May me khaate me paryapt balance rakhein taaki aisa na ho.

Jankari ke srot (Sources)

Koi jankari purani ya galat lage to Contact page par batayein — official source se verify karke turant sudhara jayega.

Doston-parivaar ko bhejein

Ye poster WhatsApp par forward karne ke liye hai — jise is yojana ki zaroorat ho, us tak sahi jankari pahunchayein.

PM Suraksha Bima (PMSBY) — WhatsApp share poster

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