Pradhan Mantri Suraksha Bima Yojana 2025 is one of India’s most affordable government-backed accident insurance schemes that provides financial security to citizens in case of accidental death or disability. Launched to promote social security for every family, the scheme offers ₹2 lakh accident cover at an annual premium of just ₹20, making it one of the most accessible insurance schemes in the country. This article explains benefits, eligibility, premium, coverage rules, application process, FAQs, and all the latest updates for 2025.
What is Pradhan Mantri Suraksha Bima Yojana 2025?
Pradhan Mantri Suraksha Bima Yojana 2025 (PMSBY) is a government accident insurance scheme that provides cover for accidental death and permanent disability. The scheme is renewed annually and administered by Public Sector General Insurance Companies (PSGICs) or approved private insurers in partnership with banks and post offices.
The main aim is to offer affordable risk coverage to every Indian citizen, especially economically weaker families.
Key Features of Pradhan Mantri Suraksha Bima Yojana 2025
Here are the 9 amazing power facts that make PMSBY a must-have plan:
1️⃣ Ultra-low Premium
- Annual premium: ₹20 per year
- Deducted automatically from the bank/post office account
2️⃣ High Coverage at Low Cost
- ₹2,00,000 – Accidental death
- ₹2,00,000 – Total and irrecoverable disability
- ₹1,00,000 – Partial disability
3️⃣ Coverage Duration
- Valid from 1 June 2025 to 31 May 2026
4️⃣ Eligibility Range
- Open for individuals aged 18 to 70 years
5️⃣ Auto-debit Facility
- Premium automatically deducted before 1 June every year
6️⃣ One Person – One Account Rule
- Even if you have multiple accounts, coverage allowed only in one account
7️⃣ Easy Enrolment
- Available at all banks, post offices, and online portals
8️⃣ Aadhaar as Primary KYC
- Aadhaar helps speed up enrollment and claim processing
9️⃣ Rejoining Anytime
- If enrollment lapses due to low balance, you can rejoin anytime by paying full premium
Benefits of Pradhan Mantri Suraksha Bima Yojana 2025
Accidental Death Benefit – ₹2 lakh
If the insured person dies due to an accident, the nominee receives ₹2,00,000.
Severe Disability Benefit – ₹2 lakh
This includes:
- Total loss of both eyes
- Loss of both hands or feet
- Loss of sight in one eye with loss of use of one hand or foot
Partial Disability Benefit – ₹1 lakh
For:
- Total loss of sight in one eye
- Loss of one hand or foot
These benefits provide exceptional financial support to families during emergencies.
Eligibility Criteria for Pradhan Mantri Suraksha Bima Yojana 2025
To join PMSBY, an applicant must:
- Be 18 to 70 years old
- Have a bank or post office savings account
- Provide consent for auto-debit
- Complete KYC, preferably Aadhaar-based
- Ensure sufficient balance for premium deduction
When Does The Pradhan Mantri Suraksha Bima Yojana 2025 Coverage End?
The insurance cover terminates under the following circumstances:
- When the subscriber turns 70 years
- Closure of bank/post office account
- Insufficient balance during premium deduction
- Multiple accounts used for PMSBY (only one will be valid)
- Non-payment of premium due to any technical reason
Reactivation is allowed after paying full premium, but coverage starts only from the auto-debit date.
Application Process for PMSBY 2025
You can apply for Pradhan Mantri Suraksha Bima Yojana 2025 via both offline and online modes.
📌 Offline Application
Step 1: Visit your bank or post office branch.
Step 2: Fill out the PMSBY application form (available at branches or from official portal).
Step 3: Submit the form with required documents.
Step 4: Once enrollment is processed, you will receive an Acknowledgement Slip cum Certificate of Insurance.
📌 Online Application
- Visit: https://jansuraksha.gov.in/Forms-PMSBY.aspx
- Download form → Fill details → Submit to bank
- Many banks also allow digital enrollment directly through net banking or mobile apps
Documents Required
- Aadhaar card (preferred KYC)
- Bank/post office account details
- Passport-size photo (if demanded)
- Duly filled PMSBY form
Contact Details
- National Toll-Free: 1800-180-1111 / 1800-110-001
- State-wise Helpline: Available on official website
Frequently Asked Questions (FAQs)
1. Is hospitalization cost covered under PMSBY?
No, PMSBY covers only accidental death and disability, not hospitalization.
2. Who receives the claim amount after the death of the subscriber?
The nominee registered in the bank or PMSBY form.
3. Is FIR required for claim approval?
Yes, FIR or accident report is required for death or major disability claims.
4. Is suicide covered?
No, suicide is not covered under PMSBY.
5. Are natural calamities (earthquake, flood) covered?
Yes, accidental death or injury due to natural calamity is covered.
6. Can a person apply from multiple accounts?
No, coverage is allowed only from one bank/post office account.
7. Can NRIs apply?
Yes, NRIs can join PMSBY, but claims are payable only for accidents occurring in India.
8. Can I rejoin if my cover lapses?
Yes, you may rejoin anytime by paying full premium.
9. What happens if the insured goes missing?
Benefit is payable after declaring the person deceased by a competent authority.
Conclusion
Pradhan Mantri Suraksha Bima Yojana 2025 is one of the most affordable government insurance schemes, offering high-value accident coverage at a very low cost. Every citizen with a bank account should enroll in this scheme for financial security and peace of mind.
#PMSBY2025 #PradhanMantriSurakshaBimaYojana2025 #GovernmentSchemesIndia #AccidentInsurance #JanSuraksha #InsuranceSchemeIndia #GovSchemesAI #KrishnaWrites