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Pradhan Mantri Suraksha Bima Yojana apply online 2023

Launched in 2015, the Pradhan Mantri Suraksha Bima Yojana apply online offers a one-year accidental death and disability benefit that can be renewed every year. Similarly, insurance companies in the public and private sectors will work in partnership with scheduled commercial banks, regional rural banks, and cooperative banks to administer this social security program. The program’s goal is to guarantee that anyone with a permanent, total, and impartial disability can take advantage of this specific insurance coverage.

Pradhan Mantri Suraksha Bima Yojana apply online
Pradhan Mantri Suraksha Bima Yojana apply online

Pradhan Mantri Suraksha Bima Yojana apply online 2023.

Post Name Pradhan Mantri Suraksha Bima Yojana apply online
Category Insurence
Portal freshgujarat.com
Post Date 07/12/2023

According to the most recent PIB release, women make up approximately 41.50 percent of the scheme’s enrolled population and 61.29 percent of claim beneficiaries.

One of the significant government programs that has questions for both preliminary and main exams is PMSBY.

The following table discusses some of the Pradhan Mantri Suraksha Bima Yojana’s highlights:

Date of Launching 9th May 2015
Launched by PM Narendra Modi
Government Ministry Ministry of Finance


Benefits of Pradhan Mantri Suraksha Bima Yojana

  • The Pradhan Mantri Suraksha Bima Yojana offers a life cover of Rs. 2 lakhs for one year to all its account holders. This life cover is provided in case of accidental death or permanent disability.
  • A life cover of Rs. 1 lakh is provided to the beneficiary in case of partial disability.
  • This scheme can be availed by any individual aged between 18 years to 70 years.
  • In case of the death of the account holder, the benefits of the scheme can be availed by his/her nominee.
  • The scheme provides an annual premium of Rs. 12 per annum per member. This premium is auto-debited in one instalment on or before 1st June of every year.

Eligibility for PMSBY

  • Any individual aged between 18 years to 70 years are eligible to apply for the scheme.
  • He/she must have a bank account along with their phone number linked to the account.
  • The individual should submit their Aadhaar details while applying for the scheme. This Aadhaar details will be linked with their bank account.
  • If any individual has multiple bank accounts of one or different banks, then he/she will be eligible to join the scheme through one bank account only. In the case of a joint account, the scheme benefits can be availed by all the bank account holders.
  • In the case of an NRI beneficiary, the claim benefits will only be provided to the nominee in Indian currency.

The Pradhan Mantri Suraksha Bima Yojana provides coverage for accidental deaths, murders, and disabilities brought on by natural disasters. However, the Pradhan Mantri Suraksha Bima Yojana does not cover any suicide deaths. In the event that a suicide occurs, no benefits will be given to the family members.

Read Rules For Pradhan Mantri Suraksha Bima Yojana Click Here


Banks Participating in Pradhan Mantri Suraksha Bima Yojana (PMSBY)

Allahabad Bank

Dena Bank

Axis Bank

Federal Bank

Bank of India


Bank of Maharashtra


Bharatiya Mahila Bank


Canara Bank

IndusInd Bank

Central Bank

Kerala Gramin Bank

Corporation Bank

Kotak Bank

Oriental Bank of Commerce

Syndicate Bank

Punjab and Sind Bank

UCO Bank

Punjab National Bank

Union Bank of India

State Bank of Hyderabad

United Bank of India

State Bank of India

Vijaya Bank

State Bank of Travancore


Claim Process of Pradhan Mantri Suraksha Bima Yojana

  • The policyholder or nominee should contact the bank or insurance company where the PMSBY policy was purchased in order to submit a claim.
  • Acquire and fill out the claim form. There will be information such as name, address, phone number, and hospital details. The PMSBY claim form can be downloaded for free from the Jansuraksha website. It is possible to access the form in Telugu, Punjabi, and other languages.
  • In the event that the nominee files a claim, send the completed form along with any relevant supporting documentation, like a certificate of disability or death.

The information will be confirmed by the insurance company.

Other Scheme Link


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Pradhanmatri Jeevan Jyoti Bima Scheme Apply Online Here


If the documents are genuine and the claim money is deposited into the specified bank account, the claim will be settled.

How to Check Pradhan Mantri Suraksha Bima Yojana Application Status?

The process to submit a claim for benefits under PM Suraksha Bima Yojana is as follows:

  • The bank must be notified immediately of the accident by the insured or the nominee (in the event of death).
  • A claim form must be received through the bank, a specific insurance provider, or online. The form must be completed appropriately.
  • The claim form must be submitted to the bank branch in full within 30 days of the accident’s date of occurrence.
  • Original FIR, a post-mortem report, a death certificate, or, in the case of a disability, a disability certificate issued by a Civil Surgeon, must be submitted with the claim form. Include a discharge certificate as well.
  • Within 30 days after receiving the claim, the bank will check the account information before sending the case to the insurance provider.
  • The insurer will confirm that the insured is included in the master policy’s list of insured parties.
  • After receiving the necessary paperwork from the bank, the claim will be handled within 30 days.
  • The nominee or insured will subsequently receive payment for the admissible claim.
  • If no nominee has been chosen by the insured, the death benefit will be paid to the insured’s legitimate heir. The succession document must be presented by the rightful heir.
  • The bank is given a 30-day window to complete the claim process.

Under the Pradhan Mantri Suraksha Bima Yojana, coverage is provided for accidental death and disability with supporting documentation. Among the best social security programs is PMSBY, which offers a plethora of benefits, features, and minimum rates. You can apply for this program through websites such as Freshgujarat. It provides life insurance to those who are less wealthy without significantly depleting savings.

Important Link

Download Application Form Click Here
Claim Form Click Here
Full Details Video Gujarati Click Here
Usefull Link Click Here


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