Health Insurance

Pradhan Mantri Suraksha Bima Yojana (PMSBY)

Pradhan Mantri Suraksha Bima Yojana is one of the three social security programs the Government of India announced. PMSBY is an accident insurance scheme that provides one year of accidental death…

Pradhan Mantri Suraksha Bima Yojana is one of the three social security programs the Government of India announced. PMSBY is an accident insurance scheme that provides one year of accidental death and disability coverage with annual renewal. This policy helps the underprivileged and low-income section of society with a minimum premium cost of INR 12 per annum. Pradhan Mantri Suraksha Bima Yojana provides an amount of INR 2 lakh to the nominee for the accidental death of the policyholder and INR 1 lakh for the permanent total disability of the policyholder.

What is Pradhan Mantri Suraksha Bima Yojana (PMSBY)?

The Government of India has launched an accident insurance scheme called Pradhan Mantri Suraksha Bima Yojana (PMSBY). This social security scheme targets the low-income people of the country as PMSBY comes with a low premium amount, unlike many other health insurance policies sold by private organizations.

Pradhan Mantri Suraksha Bima Yojana (PMSBY) provides coverage for full and partial disability and death. The registered bank account of the policyholder will be used to deduct the insurance premium of INR 12. Anyone between 18 to 70 years old can benefit from PMSBY by providing their Aadhaar card as a Know Your Customer (KYC) document.

Features and Benefits of Pradhan Mantri Suraksha Bima Yojana (PMSBY) Scheme

The PMSBY scheme allows low-income individuals to protect themselves from adverse circumstances that may result in death or disability. The features and benefits of the pm Suraksha Bima Yojana are listed below:

Features of the PMSBY Scheme

Benefits of the PMSBY Scheme

A low premium amount, i.e. INR 12.

Accident insurance covers 

The nominee will get the sum amount in case the policyholder dies.

The nominee can avail of the claim amount of INR 2 Lakh

Auto-debit facility is available for premium deduction.

No worries about the regular payment

Option to choose yearly renewability or long-term policy.

Easy renewal process.

Tax Benefits.

Section 80C deduction and Section 10(10D) of the Income Tax Act states that the Sum Insured of INR 1 lakh is not taxable.

Coverage of Pradhan Mantri Suraksha Bima Yojana (PMSBY):

In the below table, we have mentioned the coverage benefits of PM Suraksha Bima Yojana (PMSBY):



Accidental death

INR 2 lakhs (given to nominee)

Permanent total disability

INR 2 lakhs to the policyholder

Permanent partial disability

INR 1 lakh to the policyholder

Exclusions Under Pradhan Mantri Suraksha Bima Yojana  (PMSBY)

The policyholders are covered under Pradhan Mantri Suraksha Bima Yojana in case of death and disability. However, there are certain exclusions regarding the cause of death and the type of disability. The following are exclusions under the PMSBY scheme:

  • Suicidal death
  • Non-permanent disabilities (partial disabilities without an irrecoverable loss) are not covered under Pradhan Mantri Suraksha Bima Yojana (PMSBY)

Eligibility Criteria for Pradhan Mantri Suraksha Bima Yojana (PMSBY)

To avail of PMSBY, you have to fulfil certain conditions. Here is a list of such eligibility requirements.

  • The minimum age requirement is 18 years.
  • The maximum PMSBY age limit is 70 years.
  • Interested potential policyholders should have an active savings bank account.
  • Applicant’s bank account should be integrated with their Aadhaar card.
  • If the Aadhaar details are not linked with the mentioned bank account, a copy of the card should be sent along with the application.

Banks Participating in Pradhan Mantri Suraksha Bima Yojana (PMSBY):

Below mentioned is the list of banks that are a part of the Pradhan Mantri Suraksha Bima Yojana (PMSBY):

  • Axis Bank
  • Allahabad Bank
  • Bank of Maharashtra
  • Bank of India
  • Canara Bank
  • Bharatiya Mahila Bank
  • ICICI Bank
  • IDBI Bank
  • Corporation Bank
  • Dena Bank
  • Central Bank
  • Federal Bank
  • HDFC Bank
  • Kotak Bank
  • South Indian Bank
  • IndusInd Bank
  • Kerala Gramin Bank
  • Punjab National Bank
  • Oriental Bank of Commerce
  • Punjab and Sind Bank
  • State Bank of India
  • UCO Bank
  • State Bank of Hyderabad
  • United Bank of India
  • State Bank of Travancore
  • Syndicate Bank
  • Vijaya Bank
  • Union Bank of India

Read more: Ayushman Bharat Yojana

Documents Required to Be a Part of Pradhan Mantri Suraksha Bima Yojana (PMSBY)

Below is the list of documents that you need to submit to be a part of the Pradhan Mantri Suraksha Bima Yojana (PMSBY):

  • Duly filled application form
  • Aadhar Card
  • Bank account details

Enrollment and Registration Process for Pradhan Mantri Suraksha Bima Yojana

You can enrol yourself by visiting any affiliated bank or insurance firm associated with PMSBY. The Pradhan Mantri Suraksha Bima Yojana form, popularly known as the PMSBY form, can be downloaded from the government's Jan Suraksha website and is available in different languages ​​like English, Hindi, Gujarati, Bengali, Marathi, Oriya, Tamil, Telugu.

The registration process can be initiated through the relevant Internet banking service or by calling the toll-free number of the onboarding company.

How can you activate the PM Suraksha Bima Yojana scheme using the SMS facility?

  • Receive activation SMS.
  • Reply "PMSBY Y" in the activation SMS.
  • Receive a message acknowledging the receipt.
  • The bank will manage the processing information from the savings account’s back end.

How to use the Internet banking feature to activate the PMSBY scheme online. 

  • Sign in to your internet banking account.
  • Click on Insurance 
  • Determine the account that will be used to pay the premium amount 
  • Verify and validate the information.
  • Download the receipt and make a note of the provided reference number.

Pradhan Mantri Suraksha Bima Yojana (PMSBY) Scheme Claim Process

Below mentioned is the claim process of the Pradhan Mantri Suraksha Bima Yojana (PMSBY) Scheme:

  • The policyholder or nominee should contact the bank or insurance provider where the policy was purchased to file a claim.
  • Obtain and complete the claim form. It will contain information like name, address, phone number, hospital details, etc. You can download the PMSBY claim form for free from the Jansuraksha website. It is available in multiple languages, such as Telugu and Punjabi, are supported by the form.
  • Submit the filled PMSBY claim form along with the relevant documents.
  • The insurance company will verify the details.
  • Once the verification is done, the claim amount will be transferred into the given bank account.

Pradhan Mantri Suraksha Bima Yojana (PMSBY) Scheme Renewal

You can renew the Pradhan Mantri Suraksha Bima Yojana (PMSBY) scheme by enabling the auto-debit facility. This will result in the renewal of PMSBY and automatic debit of premium from your bank account, and the PMSBY plan will be automatically renewed. The PMSBY policy term runs from June 1 to May 31. Therefore, the policy should be renewed before the end of May. If you decide not to renew, you must send a cancellation request to the concerned bank.

Pradhan Mantri Suraksha Bima Yojana (PMSBY) Toll-Free Number

Pradhan Mantri Suraksha Bima Yojana (PMSBY) customer care number is 1800-180-1111/1800-110-001. You can get the state-wise toll-free number on the PMSBY website:

State Name

Name of the Bank

Toll-Free Contact Number

Andman & Nicobar Island

State Bank of India


Andhra Pradesh

Andhra Bank



State Bank of India


Arunachal Pradesh

State Bank of India



State Bank of India



State Bank of India



Punjab National Bank


Dadra & Nagar Haveli

Dena Bank



Oriental Bank of Commerce


Daman & Diu

Dena Bank



Punjab National Bank



Dena Bank



State Bank of India



Syndicate Bank



Syndicate Bank-SLBC


Himachal Pradesh

UCO Bank



Bank of India


Madhya Pradesh

Central Bank of India



Canara Bank



State Bank of India

1800 - 345 - 3658


UCO Bank



Bank of Maharashtra



State Bank of India



State Bank of India



State Bank of India



Punjab National Bank



State Bank of India



Indian Bank



State Bank of Hyderabad



Bank of Baroda


Uttar Pradesh

Bank of Baroda

1800-102-4455 / 1800-223-344

West Bengal and Tripura

United Bank of India


Tamil Nadu

Indian Overseas Bank



State Bank of India


Pradhan Mantri Suraksha Bima Yojana (PMSBY) FAQs

  1. What is Pradhan Mantri Suraksha Bima Yojana (PMSBY)?

Ans. Pradhan Mantri Suraksha Bima Yojana (PMSBY) is a government-backed accident insurance scheme launched by the Government of India. It aims to provide affordable personal accident insurance coverage to individuals aged 18 to 70 years.

  1. How does PMSBY work?

Ans. Under PMSBY, eligible individuals can enrol by paying a nominal annual premium. The scheme provides accidental death and disability coverage. In the event of accidental death or total permanent disability, a fixed sum insured is paid to the insured person or their nominee.

  1. Who is eligible to enrol in PMSBY?

Ans. Any Indian resident between 18 and 70 can enroll in PMSBY. The individual must have a savings bank account and provide the required self-certification of good health to join the scheme.

  1. What does PMSBY provide the coverage?

Ans. PMSBY provides coverage for accidental death and disability. In the unfortunate event of the insured person's death due to an accident, a sum insured of Rs. 2 lakh is payable to the nominee. In the case of total permanent disability, the same amount is paid to the insured person.

  1. What is the premium amount for PMSBY?

Ans. The annual premium for PMSBY is Rs. 12 per person. The premium is deducted directly from the insured person's savings bank account through an auto-debit facility.

  1. How can one enroll in PMSBY?

Ans. Individuals can enrol in PMSBY through designated banks or insurance companies. They must fill out the application form and submit it with the premium amount. The enrollment period is usually from 1st June to 31st May of each year.

  1. Can one join PMSBY at any time during the year?

Ans. No, enrollment for PMSBY typically runs from 1st June to 31st May. Enrolling at the beginning of the scheme period is advisable to avail of the benefits for the entire year.

  1. Can an individual have multiple PMSBY policies?

Ans. No, an individual can have only one PMSBY policy. Duplicate enrollments are not allowed.

  1. What happens if the premium payment is unsuccessful?

Ans. The policy will lapse if the premium payment is unsuccessful due to insufficient funds or other reasons. To continue the coverage, the insured person must renew the policy and pay the premium within the specified period.

  1. Is PMSBY renewal automatic?

Ans. No, you need to renew your policy annually by paying the premium.

  1. Do I need a medical checkup for PMSBY?

Ans. No, there's no medical test required for enrollment.

  1. Can I claim from both PMSBY and another insurance policy?

Ans. Yes, PMSBY benefits are over and above any other insurance coverage you might have.

  1. What documents are needed for a claim under PMSBY?

Ans. Claim form, policy document, FIR, death certificate (in case of death), disability certificate (for disability), etc.

  1. How long does it take to get the claim amount?

Ans. The claim settlement process typically takes 30-45 days.

  1. Is there a customer care number for PMSBY?

Ans. Yes, you can call 1800 266 9966 for any questions or assistance.


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