Pradhan Mantri Suraksha Bima Yojana (PMSBY) ek one-year personal accident insurance scheme hai jo accident ke karan death aur specified permanent disability ke against financial protection provide karti hai. Current Department of Financial Services information ke according eligible bank/Post Office account holders ko ₹20 per year premium par ₹2 lakh tak accident cover milta hai, jabki specified partial disability ke liye ₹1 lakh benefit available hai.
Scheme ka standard risk-cover period 1 June se 31 May tak hota hai. Eligible person prescribed consent ke through auto-debit enable karke enrol kar sakta hai. Multiple bank/Post Office accounts hone par bhi PMSBY cover sirf one account ke through liya ja sakta hai.
Desk4Info ke Government Schemes section mein Jan Suraksha aur other central-government schemes ke practical guides bhi available hain.
PMSBY 2026 — Key Details
| Particular | Verified Detail |
|---|---|
| Scheme | Pradhan Mantri Suraksha Bima Yojana |
| Scheme Type | Personal Accident Insurance |
| Eligibility Age | 18 to 70 years |
| Annual Premium | ₹20 |
| Accidental Death Cover | ₹2 lakh |
| Permanent Total Disability | ₹2 lakh |
| Specified Partial Disability | ₹1 lakh |
| Risk Period | 1 June to 31 May |
| Enrolment | Bank/Post Office account through auto-debit |
| Current Annual Application Fee | No separate application fee; annual premium is ₹20 |
Eligibility, Cover and Important Conditions
PMSBY mein participating bank ya Post Office ke individual account holders aged 18–70 years eligible hain. Current DFS guidance single aur joint account holders dono ko cover karti hai, subject to scheme conditions and consent for auto-debit.
The scheme covers accidental death and specified permanent disability. Both-eye loss, loss of use of both hands/feet, or the specified combination of one-eye and one-hand/foot loss carries ₹2 lakh, while total and irrecoverable loss of sight of one eye or loss of use of one hand or foot carries ₹1 lakh.
Natural death PMSBY benefit ke under covered nahi hai. Suicide death ke case mein benefit payable nahi hai, while accidental death has to satisfy the scheme’s accident and documentary requirements.
Hospitalisation expenses ka separate reimbursement PMSBY mein available nahi hai. Road, rail, drowning aur crime-related accident cases mein police reporting may be required; snake bite ya fall jaise cases mein immediate hospital record se accident cause establish kiya ja sakta hai.
⚠️ Critical Mandatory Warning: PMSBY ek accident insurance scheme hai, general health insurance nahi. Hospital bills ka reimbursement is scheme ke under separately available nahi hai.
Enrolment & Claim Management
PMSBY ka cover annual cycle par operate karta hai. Standard period 1 June to 31 May hai, lekin delayed enrolment ya renewal annual premium payment ke baad possible hai; delayed enrolment mein risk cover premium ke actual auto-debit date se start hota hai.
Subscriber consent ke according premium account se auto-debit hota hai. Bank/Post Office master policy holder ke roop mein enrolment authorization retain karta hai aur claim ke samay insurer additional documentation maang sakta hai.
Official claim form accident ki date se 30 days ke andar claim submit karna desirable batata hai. Death claim nominee/appointee ya applicable circumstances mein legal heir file kar sakta hai, while disability claim insured subscriber se related hota hai.
Current DFS Annual Report ke according banks/Post Offices ko claim documents insurer ke designated electronic channel par submission ke 7 days ke andar forward karna hai, aur insurers ko documents receive hone ke 7 days ke andar claim settle karna hai.2025-26 DFS data ke mutabik November 2025 tak PMSBY enrolments 55.32 crore tak pahunch chuke the, with 1,70,608 claims paid and a reported 97.05% settlement ratio. Yeh figures November 2025 reporting period ke hain, current September 2026 enrolment count nahi.
PMSBY 2026: Current Operational Status
PMSBY currently active hai. Department of Financial Services ki current PMSBY page 5 January 2026 ko last updated thi aur ₹20 premium, 18–70 eligibility aur ₹2 lakh/₹1 lakh benefit structure continue karti hai.
May 2026 mein Government ne PMSBY, PMJJBY aur APY ke 11 years of social-security coverage complete hone ki official information publish ki. Isse scheme ke continued operation ka current government record establish hota hai.
PMSBY ka koi recruitment-style vacancy count, salary, written examination ya selection process nahi hai. Isliye UR/OBC/EWS/SC/ST seat matrix, pay scale aur examination stages applicable nahi hain.
Current annual cycle ke liye koi separate recruitment-style “last date” nahi publish ki gayi hai; rules annual enrolment cycle aur delayed enrolment mechanism specify karte hain.
PMSBY Claim: Common Rejection Risks
- Multiple bank accounts se duplicate coverage claim karna: benefit one account tak restricted hota hai.
- Premium auto-debit fail hona: insufficient balance se cover terminate/suspend ho sakta hai.
- 70 years age cross karna: scheme cover terminate ho jata hai.
- Accident evidence incomplete hona: documentary proof required hai.
- Claim unnecessarily delay karna: official claim form 30-day submission ko desirable batata hai.
- Partial disability ko automatically ₹1 lakh claim samajhna: only specified irrecoverable losses listed under PMSBY are covered.
- Hospital bills ko PMSBY claim samajhna: hospitalisation expense reimbursement available nahi hai.
⚠️ Critical Mandatory Warning: Accident ke immediately baad bank/Post Office aur applicable authorities ko inform karein, prescribed claim form aur documentary evidence maintain karein, aur nominee details updated rakhein. Duplicate PMSBY enrolment se additional insurance benefit nahi milta.
PMSBY FAQs
PMSBY mein ₹20 dene par kitna insurance milta hai?
Annual ₹20 premium par accidental death ya specified permanent total disability ke liye ₹2 lakh benefit available hai. Specified partial permanent disability ke liye ₹1 lakh benefit hai.
PMSBY ke liye age limit kya hai?
Participating bank/Post Office ke individual account holders 18 se 70 years age group mein eligible hain. Multiple accounts hone par enrolment sirf one bank/Post Office account se kiya ja sakta hai.
PMSBY claim kitne din mein file karna chahiye?
Official claim form accident ki date se 30 days ke andar claim submit karna desirable batata hai. Current DFS process mein bank/Post Office ko claim documents electronic channel se insurer ko seven days ke andar forward karne aur insurer ko receipt ke seven days ke andar settlement karne ka operational instruction diya gaya hai.
Official Departmental Directory
| Resource | Official Source |
|---|---|
| Current PMSBY Information | Department of Financial Services PMSBY Page |
| PMSBY Rules | Official PMSBY Rules |
| Application / Enrolment Form | Official PMSBY Forms |
| State-wise Toll-Free Numbers | State-wise Jan Suraksha Helplines |
| National Toll-Free | 1800-180-1111 / 1800-110-001 |
| myScheme | PMSBY on myScheme |
For Rajasthan, the official Jan-Suraksha statewise list currently identifies Bank of Baroda as the SLBC convenor bank and lists 1800-180-6546 as the state toll-free number. Gujarat ke liye listed number 1800-225-885 hai.
Editorial Integrity Disclaimer
Yeh article official PMSBY Rules, Department of Financial Services ki current PMSBY information, official Jan-Suraksha claim material aur latest available DFS reporting ko cross-check karke prepare kiya gaya hai. Supplied Rules 1 June 2022 se effective framework establish karte hain, while current DFS PMSBY page was last updated 5 January 2026.
Current verified core terms are ₹20 annual premium, 18–70 years eligibility, ₹2 lakh accidental death/qualifying total disability cover, ₹1 lakh specified partial disability cover, and annual 1 June–31 May coverage.
Claim ke waqt latest official form, participating bank/Post Office instructions aur applicable insurer requirements ko follow karein. State-wise helpline details bhi official Jan-Suraksha list se verify karke use karein.
Aapke uploaded prompt ke anusaar PMSBY par recruitment-specific seat matrix, salary aur examination-selection sections intentionally apply nahi kiye gaye hain, kyunki scheme insurance/social-security product hai, recruitment notification nahi.
Primary sources: Department of Financial Services — PMSBY · Jan-Suraksha official portal · PMSBY Rules PDF · myScheme — PMSBY
