The Government of India has launched the Pradhan Mantri Suraksha Bima Yojana (PMSBY) scheme for 2024 to provide health insurance to all permanent residents. PMSBY is an annual accident insurance scheme that can be renewed each year and covers death or disability resulting from an accident. Applicants wishing to benefit from this scheme must renew it annually by May 31. With a minimal premium under the PMSBY scheme, applicants can afford health insurance without financial strain.
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Helpful Summary
| Name of the scheme | PMSBY Scheme |
| Launched by | Government of India |
| Objective | Health Insurance |
| Eligibility | Indian residents aged 18-70 with a bank account |
| Beneficiaries | Citizens of India |
| Official website | jansuraksha.gov.in |
PMSBY Scheme Details 2024
The Government of India has introduced this scheme to provide health insurance of up to ₹2 lakh at a monthly premium of ₹20 for all permanent residents. All Indian citizens aged between 18 and 70 years are eligible to avail themselves of the scheme. In case of death or disability, the applicant will receive financial assistance of ₹2 lakh, and in case of partial disability, ₹1 lakh will be provided. The ₹20 premium will be directly deducted from the applicant’s savings account. Eligible applicants must fill out the online application form on the official website.
Objective of the PMSBY Scheme
The purpose of PMSBY is to help financially weaker individuals who cannot afford adequate health insurance. Through this scheme, financially vulnerable citizens can obtain health insurance at significantly lower rates than the market. Applicants need only pay a ₹20 premium, which will be directly deducted from their savings account. The duration of the PMSBY scheme is one year, and applicants must renew it each year. To benefit from this scheme, applicants must have a savings account linked to a government bank.
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Eligibility Criteria
- The applicant must be aged between 18 and 70.
- The applicant must have a savings account with any bank.
Benefits of the PMSBY Scheme
- Selected applicants will receive health insurance of up to ₹2 lakh in case of an accident.
- In case of death, the applicant’s family will receive ₹2 lakh, and in case of partial disability, ₹1 lakh.
- Applicants pay only a ₹20 premium, which is very affordable compared to market rates.
- The scheme allows financially weak citizens to obtain life insurance without financial difficulties.
- The maximum age limit for PMSBY is 70 years.
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Required Documents
- Aadhaar Card
- Email ID
- Mobile Number
- Electricity Bill
- PAN Card
- Passport-size photo
- Birth Certificate
- Death Certificate
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Claim Process for PMSBY
- To claim under the PMSBY scheme, applicants can visit the official Jan Suraksha website https://jansuraksha.gov.in/ or go to the bank branch where the policy was taken.
- Applicants must obtain a claim application form from the relevant official at the website or bank branch.
- The applicant must fill in the required details in the form and attach the necessary documents.
- Once submitted, the insurance company will review the claim and release the insured amount.
- Applicants should submit the form accurately and on time to expedite the claim process.
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Renewal Process
- To renew the PMSBY scheme, applicants can visit the official website.
- On the homepage, select the renewal option.
- On the new window, enter the required details and attach the necessary documents.
- After reviewing the details, select “Submit” to complete the application.
Contact Information
Phone Number: 1800-110-001
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Frequently Asked Questions
What is the insurance coverage under the PMSBY scheme?
How much premium is required for the PMSBY scheme?
Who is eligible for the benefits of the PMSBY scheme?
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