Key points
- PMSBY ek saal ka accident insurance hai jiska premium ₹20 prati vyakti saalana hai.
- Accident se maut ya poori viklangta par ₹2 lakh, aur aanshik viklangta par ₹1 lakh tak ka cover milta hai.
- 18 se 70 saal ke bank ya post office savings account holder auto-debit ki sahmati dekar jud sakte hain.
- Enrolment bank branch par form jama karke ya bank ki net banking se ho sakta hai.
Pradhan Mantri Suraksha Bima Yojana (PMSBY) Ministry of Finance ki ek accident insurance yojana hai. Iska maqsad kam premium par aam logon ko durghatna se hone wali maut ya viklangta ke khilaf ek buniyadi suraksha dena hai. Neeche di gayi saari jaankari Bharat sarkar ke official portal myScheme par PMSBY ke page se li gayi hai.
Aakhri aur sahi jaankari ke liye official website zaroor dekhein. Koi bhi yojana ke naam par paise maange to savdhaan rahein.
Yojana kya hai aur kitna premium?
Is yojana mein premium ₹20 prati member prati saal hai. Ye rakam aapke bank ya post office account se auto-debit ke zariye har coverage saal ke liye 1 June ko ya usse pehle kat jaati hai. Cover ek saal ka hota hai, jo 1 June se 31 May tak chalta hai, aur har saal premium katne par aage badhta hai.
Official page ke mutabik cover in sthitiyon mein khatam ya seemit ho jaata hai: 70 saal ki umar poori hone par, account band hone par, ya premium katne ke liye account mein balance na hone par. Ek vyakti sirf ek hi account se is yojana mein jud sakta hai; galti se ek se zyada account se premium kat jaaye to bhi cover ₹2 lakh tak hi seemit rahega.
Fayde: kitna cover milta hai?
| Sthiti | Rakam |
|---|---|
| Accident se maut (nominee ko) | ₹2 lakh |
| Dono aankhon ki roshni, dono haath ya pair ka poori tarah aur sthayi nuksaan, ya ek aankh aur ek haath/pair ka nuksaan | ₹2 lakh |
| Ek aankh ki roshni ya ek haath/pair ka poori tarah aur sthayi nuksaan | ₹1 lakh |
Dhyan dein: official FAQ ke anusaar is yojana mein accident ke baad hospital kharch ka reimbursement nahi milta. Upar ki list se kam (aanshik) viklangta par bhi koi rakam nahi milti. Ye cover kisi doosri insurance policy ke alawa milta hai. Kaun si sthitiyan cover hoti hain aur kaun si nahi, iski poori list official FAQ mein di gayi hai.
Kaun eligible hai?
- Participating bank ya post office mein individual savings account rakhne wale log, jinki umar 18 saal (poori) se 70 saal (age nearer birthday) ke beech ho.
- Jo auto-debit ke zariye premium katne ki sahmati dein.
- Joint account mein sabhi holders alag-alag jud sakte hain, agar wo eligibility poori karte hain aur har vyakti ₹20 premium deta hai.
- Institutional (sansthagat) accounts is yojana ke liye eligible nahi hain.
- India mein kisi bank branch mein eligible account rakhne wale NRI bhi jud sakte hain; claim ki rakam sirf Indian rupee mein milti hai.
Documents aur apply kaise karein?
Official page ke anusaar enrolment ke liye sabse zaroori cheez ek eligible savings account aur auto-debit ki sahmati hai. Form ke saath aapka bank jo KYC documents maange, wo jama karein.
- Offline: Apni bank branch jaayein jahan aapka savings account hai, ya jansuraksha.gov.in se PMSBY ka form download karein. Form bharkar bank mein jama karein. Safal enrolment par aapko “Acknowledgement Slip cum Certificate of Insurance” milega.
- Online: Agar aapka bank suvidha deta hai, to net banking ke zariye bhi PMSBY cover liya ja sakta hai.
- Helpline: National toll-free number 1800-180-1111 / 1800-110-001 hai. Rajya-wise toll-free numbers jansuraksha.gov.in par diye gaye hain.
Claim kaise milta hai?
Maut ke case mein claim nominee ya appointee kar sakta hai; nomination na ho to legal heir claim kar sakte hain. Viklangta ka claim insured vyakti ke bank account mein aata hai, jabki maut ka claim nominee ya legal heir ke account mein bheja jaata hai. Sadak, rail jaise accidents ki police mein report zaroori hai, jabki saanp ke kaatne ya ped se girne jaise maamlon mein turant ke hospital record se kaaran sabit karna hota hai. Ek vyakti ko sirf ek hi claim milta hai.
Yojana se judne ke baad bank statement mein har saal premium katne ki entry zaroor check karein, taaki cover band na ho.
Sources:
Ye jaankari sirf shiksha aur jaankari ke liye hai, financial ya legal advice nahi.
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