The Pradhan Mantri Suraksha Bima Yojana (PMSBY) Scheme 2025 is a government plan that gives Indian people affordable accidental health insurance. Initiated by the Central Government of India, this program provides for your protection if you suffer an accidental death or disability, for a period of one year. For an affordable premium of only ₹20 a year, individuals with low income can get covered by PMSBY.
Coverage can only be continued if policyholders renew their subscription by the end of May each year. Withdrawing the premium from the beneficiary’s savings account is automatic, so everything goes smoothly.
PMSBY Scheme 2025 – Key Highlights
| Aspect | Details |
|---|---|
| Scheme Name | Pradhan Mantri Suraksha Bima Yojana (PMSBY) |
| Launched By | Government of India |
| Launch Year | 2025 |
| Beneficiaries | Indian citizens aged 18–70 years |
| Coverage Amount | ₹2 lakh (death/total disability) ₹1 lakh (partial disability) |
| Annual Premium | ₹20 (auto-debited from bank account) |
| Application Mode | Online |
| Official Website | https://jansuraksha.gov.in |
| Helpline Number | 1800-110-001 |
Objective of PMSBY Scheme
The main aim of PMSBY is to make accidental insurance available to people who do not earn enough to buy regular health insurance. For just ₹20 a year, the scheme guarantees policyholders have money to cope with unexpected accidents.
Eligibility Criteria
- Must be an Indian citizen.
- Age between 18–70 years.
- Must hold an active savings account in a participating bank.
Key Benefits
✅ Accidental Death Cover – ₹2 lakh
✅ Total Disability Cover (e.g., loss of both eyes/hands/feet) – ₹2 lakh
✅ Partial Disability Cover (e.g., loss of one eye/hand/foot) – ₹1 lakh
✅ Affordable Premium – Only ₹20 per year
✅ Auto-debit Facility – Hassle-free premium payment
Required Documents
- Aadhaar Card
- Mobile Number (linked to bank account)
- Bank Account Details
- Passport-sized photograph
Coverage Termination Conditions
- Policyholder turns 70 years old.
- Bank account is closed or has insufficient balance.
- Duplicate policy (only one policy per person is valid).
- Non-payment of premium (may be reinstated upon full payment).
How to Apply for PMSBY Scheme 2025
- Visit the official website: https://jansuraksha.gov.in.
- Fill out the application form with personal & bank details.
- Submit necessary documents (Aadhaar, mobile number, etc.).
- Authorise auto-debit for premium payment.
PMSBY Claim Process
- Visit the bank branch where the policy was issued or access the Jan Suraksha portal.
- Obtain & fill the claim application form.
- Attach supporting documents (death/disability certificate, etc.).
- Submit the form for verification.
- Upon approval, the insurance amount will be disbursed.
Renewal Process
- Log in to the PMSBY portal.
- Click on “Renew Policy”.
- Verify details and confirm renewal.
- Ensure sufficient balance for auto-debit of ₹20 premium.
Important Downloads
FAQs
Q1. What is the coverage amount under PMSBY?
- ₹2 lakh for accidental death/total disability; ₹1 lakh for partial disability.
Q2. How much is the PMSBY premium?
- ₹20 per annum, auto-debited from the linked bank account.
Q3. Who is eligible for PMSBY?
- Indian citizens aged 18–70 years with a savings account.
Q4. How to renew PMSBY?
- Renewal is automatic if the bank account has sufficient balance. Alternatively, manually renew via the official portal.
For further assistance, contact the PMSBY helpline: 1800-110-001.