PM Suraksha Bima Yojana (PMSBY) Bharat Sarkar ki ek accident insurance yojana hai jo sirf ₹20 saal ke premium par ₹2 lakh tak ka cover deti hai. Ye un karodon logon ke liye banayi gayi hai jinke paas koi bima nahi hai — khaas taur par gaon-kasbon aur asangathit kshetra ke log.
Is guide me hum samjhenge ki PM Suraksha Bima Yojana me kya cover milta hai, kaun jud sakta hai, aur isme judna kitna aasan hai.
PM Suraksha Bima Yojana Kya Hai?
PMSBY ek ek saal ka renewable accident insurance hai. Iska cover har saal 1 June se agle saal 31 May tak rehta hai, aur premium aapke bank account se automatically kat jaata hai. Ye yojana Vitt Mantralaya ke tehat sarkari aur private general insurance companies ke zariye chalti hai.
Sabse khaas baat — premium itna kam hai ki garib se garib parivar bhi ise afford kar sakta hai.
Kitna Cover Milta Hai?
| Sthiti | Cover Rakam |
|---|---|
| Durghatna me mrityu | ₹2,00,000 |
| Durghatna me poorn viklangta (total disability) | ₹2,00,000 |
| Durghatna me aanshik viklangta (partial disability) | ₹1,00,000 |
| Saalana premium | Sirf ₹20 |
Dhyan rahe — PMSBY sirf durghatna (accident) ko cover karta hai. Bimari ya natural death isme cover nahi hoti. Har kaaran se mrityu par cover ke liye PM Jeevan Jyoti Bima Yojana (PMJJBY) alag yojana hai.
Kaun Jud Sakta Hai? (Eligibility)
- Umar: 18 se 70 saal tak.
- Bank account: Kisi bhi participating bank ya post office me savings account hona chahiye.
- Sehmati: Premium ke auto-debit ke liye consent form par sign karna hota hai.
- Ek niyam: Ek vyakti sirf ek hi bank account se PMSBY me jud sakta hai — multiple accounts se nahi.
PMSBY Me Kaise Judein?
Step 1: Apne bank ya post office ki branch jayein.
Step 2: PMSBY ka consent-cum-declaration form bharein — Aadhaar aur nominee ka naam zaroori hai.
Step 3: Form jama karte hi ₹20 ka premium aapke account se auto-debit ho jayega.
Step 4: Kuch bank net-banking ya mobile app se bhi online judne ki suvidha dete hain.
Cover agle saal 1 June ko automatically renew ho jaata hai — bas account me ₹20 ka balance hona chahiye. Agar balance kam hua to auto-debit fail hoga aur cover ruk jayega.
Claim Kaise Karein?
Durghatna ki sthiti me nominee (mrityu par) ya khud bimit vyakti (viklangta par) ko bank me claim form ke saath zaroori kagaz — jaise FIR, death certificate ya disability certificate — jama karne hote hain. Isliye judte waqt nominee ka naam sahi bharein aur parivar ko yojana ke baare me zaroor batayein.
PMSBY Kyun Zaroori Hai?
Ek chhoti si durghatna poore parivar ki aarthik neenv hila sakti hai — ilaaj ka kharcha ya kamane wale ki kshati. ₹20 saal me ₹2 lakh ka cover is jokhim ko kaafi had tak kam kar deta hai. Health insurance ke baare me aur jaanne ke liye hamara Health Insurance guide padhein, aur finance ki aur jaankari ke liye Finance section dekhein.
PMSBY Se Jude Kuch Aam Sawal
Sawal: Kya main do bank accounts se PMSBY le sakta hoon? Nahi. Ek vyakti sirf ek hi bank account se PM Suraksha Bima Yojana me jud sakta hai. Niyamon ke anusaar ek se zyada accounts se judna maanya nahi hai.
Sawal: Premium kab kat-ta hai? Har saal May ke mahine me ₹20 ka premium aapke bank account se auto-debit ho jaata hai, aur cover 1 June se agle saal 31 May tak renew ho jaata hai. Isliye account me hamesha paryaapt balance banaye rakhein.
Sawal: Kya PMSBY me bimari ka ilaaj cover hota hai? Nahi. PM Suraksha Bima Yojana sirf durghatna (accident) ki sthiti me mrityu ya viklangta par cover deti hai. Bimari ya natural death isme cover nahi hoti — iske liye health insurance alag se lena chahiye.
Yeh sirf jaankari hai, financial advice nahi hai. Yojana ke niyam aur premium sarkar dwara badle ja sakte hain — judne se pehle Jan Suraksha ki official website ya apne bank se poori jaankari lein.