Pradhan Mantri Suraksha Bima Yojana (PMSBY) – ₹12 Me ₹2 Lakh Accident Insurance Kaise Milega
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Aaj ke time me insurance lena bahut zaroori ho gaya hai. Lekin India me kai log aise hain jo high premium ki wajah se insurance nahi le paate. Isi problem ko solve karne ke liye Government of India ne Pradhan Mantri Suraksha Bima Yojana (PMSBY) launch ki thi.
Ye ek low cost accident insurance scheme hai jisme sirf ₹12 per year me aapko ₹2 lakh tak ka accident insurance cover milta hai.
Agar kisi insured vyakti ki accident me death ho jati hai ya permanent disability ho jati hai, to insurance company claim amount deti hai.
Is article me hum detail me samjhenge:
- PMSBY Scheme kya hai
- ₹12 me ₹2 lakh insurance kaise milega
- Eligibility kya hai
- Apply kaise kare
- Claim process kya hai
PMSBY Scheme Kya Hai?
Pradhan Mantri Suraksha Bima Yojana (PMSBY) ek government backed accident insurance scheme hai jo 2015 me launch ki gayi thi.
Is scheme ka main objective hai ki India ke har aam aadmi ko affordable accident insurance provide kiya ja sake.
| Scheme Name | Pradhan Mantri Suraksha Bima Yojana |
|---|---|
| Launch Year | 2015 |
| Annual Premium | ₹12 per year |
| Accident Death Cover | ₹2 Lakh |
| Permanent Disability | ₹2 Lakh |
| Partial Disability | ₹1 Lakh |
| Age Limit | 18 – 70 Years |
₹12 Me ₹2 Lakh Accident Insurance Kaise Milega?
PMSBY scheme ka sabse bada benefit ye hai ki isme sirf ₹12 ka annual premium hota hai.
Ye amount direct aapke bank account se auto debit ho jata hai har saal May ya June me.
Agar aapka bank account hai aur aapne PMSBY activate kiya hua hai to aap automatically insurance cover ke under aa jate hain.
Agar accident hota hai to:
- Death hone par nominee ko ₹2 lakh milte hain
- Permanent disability par ₹2 lakh milte hain
- Partial disability par ₹1 lakh milta hai
PMSBY Scheme Ke Major Benefits
- Sirf ₹12 ka annual premium
- ₹2 lakh tak accident cover
- Simple enrollment process
- Auto debit facility
- Government backed insurance
- All bank account holders eligible
PMSBY Eligibility Criteria
| Criteria | Requirement |
|---|---|
| Age | 18 to 70 Years |
| Bank Account | Active Savings Bank Account |
| Aadhaar | Preferred for KYC |
| Premium Payment | ₹12 Per Year Auto Debit |
PMSBY Apply Kaise Kare?
1. Bank Branch Se Apply Kare
- Apne bank branch me visit kare
- PMSBY form fill kare
- Nominee details fill kare
- Auto debit permission de
2. Net Banking / Mobile Banking
- Internet banking login kare
- Insurance section open kare
- PMSBY scheme select kare
- Confirm enrollment
PMSBY Claim Process
Agar insured person ka accident ho jata hai to nominee claim file kar sakta hai.
Claim Process Steps
- Bank ya insurance company ko inform kare
- Claim form fill kare
- Required documents submit kare
- Verification ke baad claim approve hota hai
Required Documents
- Claim form
- Death certificate (if applicable)
- Accident report / FIR
- Hospital documents
- Nominee ID proof
PMSBY Scheme Kis Ke Liye Best Hai?
- Daily wage workers
- Farmers
- Small business owners
- Low income families
- Students
Conclusion
Pradhan Mantri Suraksha Bima Yojana India ki sabse affordable insurance schemes me se ek hai.
Sirf ₹12 per year me ₹2 lakh accident insurance milna ek bahut bada financial protection hai.
Agar aapne abhi tak PMSBY scheme join nahi ki hai to apne bank me jaake enrollment zaroor kare.
Frequently Asked Questions (FAQ)
1. PMSBY scheme kya hai?
PMSBY ek government accident insurance scheme hai jisme ₹12 per year me ₹2 lakh tak cover milta hai.
2. PMSBY ka premium kitna hai?
Is scheme ka premium sirf ₹12 per year hai.
3. PMSBY age limit kya hai?
Is scheme me 18 se 70 saal ke log enroll ho sakte hain.
4. PMSBY claim kaise kare?
Accident hone par nominee bank ya insurance company me claim form submit kar sakta hai.
5. PMSBY aur PMJJBY me kya difference hai?
PMSBY accident insurance hai jabki PMJJBY life insurance scheme hai.