Pradhan Mantri Suraksha Bima Yojana (PMSBY) 2025

Introduction: Kya Hai Ye PMSBY Scheme?

Dosto, aaj ke time me insurance kitna zaroori hai ye sabko pata hai. Par kya aapko pata hai ki sirf ₹12 rupaye annually me aap ₹2 lakh ka accident insurance cover pa sakte hain? Haan bilkul sahi suna aapne!

Pradhan Mantri Suraksha Bima Yojana (PMSBY) Government of India ki ek revolutionary insurance scheme hai jo 2015 me launch hui thi aur 2025 me bhi utni hi beneficial hai. Ye scheme specially un logon ke liye design ki gayi hai jo financially weak hain aur expensive insurance plans afford nahi kar sakte.

Iss article me hum aapko PMSBY 2025 ke baare me A to Z complete information denge - from eligibility criteria se lekar claim process tak, har ek cheez detail me. Toh ready ho jaiye, kyunki ye information aapki aur aapke family ki financial security ke liye bahut important hai!

PMSBY 2025: Detailed Overview

Scheme Ka Basic Framework

Pradhan Mantri Suraksha Bima Yojana ek pure accident insurance scheme hai. Matlab agar aapke saath koi accidental death ya disability hoti hai, toh aapko ya aapke nominee ko insurance amount milta hai.

Key Highlights 2025:

• Premium Amount: ₹12 per year (sirf ek din ki chai ke barabar!)
• Coverage Amount: ₹2,00,000 (Do lakh rupaye)
• Renewal: Auto-debit through bank account (har saal 1st June ko)
• Age Limit: 18 to 70 years
• Scheme Type: One year cover (renewable annually)
• Managing Authority: Banks in partnership with insurance companies

2025 Me Kya Hai Naya?

Current year 2025 me PMSBY me kuch important updates aaye hain:

1. Digital Application Process Enhanced: Ab aap completely online apply kar sakte hain bina bank jaaye
2. Faster Claim Settlement: Claims 30 days ke andar process ho rahe hain
3. Multi-language Support: Regional languages me bhi forms available hain
4. Integration with Ayushman Bharat: Better coordination with other government schemes
5. Mobile App Facility: Dedicated app through claim status track kar sakte hain

Eligibility Criteria: Kaun Le Sakta Hai PMSBY Ka Faida?

Basic Requirements

PMSBY join karne ke liye aapko ye conditions fulfill karni hongi:

1. Age Factor:

• Minimum age: 18 years
• Maximum age: 70 years
• Entry age maximum 70 years tak extend kar diya gaya hai

2. Bank Account:

• Aapke paas savings bank account hona compulsory hai
• Account active hona chahiye
• Auto-debit facility enable honi chahiye
• Multiple accounts hain toh ek account se hi enroll kar sakte hain

3. Aadhaar Card:

• Valid Aadhaar number mandatory hai
• Bank account se link hona chahiye (as per government norms)

4. Citizenship:

• Indian citizen hona zaroori hai
• NRIs eligible nahi hain

5. Health Status:

• Koi specific medical examination required nahi hai
• Pre-existing conditions ka koi impact nahi (accident insurance hai)

Who Cannot Apply?

• Government employees jo already similar schemes me covered hain (optional for them)
• Persons above 70 years (renewal nahi hoga)
• NRIs aur foreign nationals

Coverage Details: Kya-Kya Cover Hota Hai?

Insurance Coverage Breakdown

PMSBY teen tarah ke benefits provide karta hai:

1. Accidental Death (Durghatna Mrityu):

• Amount: ₹2,00,000 (Full coverage)
• Condition: Death purely accidental honi chahiye
• Payment to: Nominee ko milega amount

2. Permanent Total Disability (Sampurna Apangta):

• Amount: ₹2,00,000 (Full coverage)

• Conditions:

  • Dono aankhon ki complete loss of sight
  • Dono hands ka loss of use
  • Dono legs ka loss of use
  • Ek aankh aur ek hand/leg dono ka loss

3. Permanent Partial Disability (Akanshik Apangta):

• Amount: ₹1,00,000 (50% coverage)

• Conditions:

  • Ek aankh ki complete loss of sight
  • Ek hand ya ek leg ka loss of use

What is NOT Covered?

Ye situations me claim nahi milega:

• Suicide - Deliberately khudkushi karne par
• Self-inflicted injuries - Khud ko nuksaan pahunchane par
• War/Riot related injuries - Jung ya dange me hui chot
• Nuclear risks - Nuclear radiation se hui damage
• Illness/Disease - Natural bimari se mrityu (sirf accident cover hai)
• Under influence - Nashe me gaadi chalate waqt accident (varies by insurance company terms)

Application Process: Kaise Apply Karein PMSBY 2025?

Method 1: Through Bank (Offline Process)

Step-by-Step Guide:

Step 1: Bank Visit Karein

• Apne bank branch me jaayein jahan aapka savings account hai
• PMSBY enrollment form maangein

Step 2: Form Fill Karein

• Form accurately fill karein

• Required details:

  • Name (as per bank records)
  • Account number
  • Aadhaar number
  • Date of birth
  • Nominee details (name, relation, address)
  • Mobile number
  • Email ID (if available)

Step 3: Documents Attach Karein

• Aadhaar card copy
• Bank passbook copy (optional, bank already has details)
• Recent passport size photo (agar maanga jaye)

Step 4: Auto-debit Consent

• Auto-debit authorization form sign karein
• Ye ensure karta hai ki har saal premium automatically deduct ho

Step 5: Form Submit Karein

• Bank me form submit kar dein
• Acknowledgment receipt zaroor lein

Step 6: Premium Deduction

• First premium deduction within few days
• Coverage same day se start ho jayega jis din premium deduct hoga

Method 2: Online Application (Digital Process)

Online Process Through Net Banking:

Step 1: Net Banking Login

• Apne bank ke net banking portal par login karein

Step 2: Insurance Section

• "Insurance" ya "Government Schemes" section me jaayein
• PMSBY option select karein

Step 3: Details Fill Karein

• Personal information auto-fill ho jayega
• Nominee details add karein
• Declarations accept karein

Step 4: OTP Verification

• Mobile par aaya OTP enter karein
• Aadhaar verification complete karein

Step 5: Submit Application

• Final submit karein
• Confirmation SMS/Email aayega
• Certificate download kar sakte hain

Step 6: Premium Auto-debit

• First premium automatically deduct hoga
• Coverage instantly activate

Method 3: Through Common Service Centers (CSC)

CSC Se Application:

1. Nearest CSC (Jan Seva Kendra) par jaayein

2. VLE (Village Level Entrepreneur) ko documents provide karein:

   • Aadhaar card
   • Bank passbook
   • Mobile number
3. VLE aapki madad se online form fill karega
4. Biometric verification hoga
5. Application submit hoga aur acknowledgment milega

Documents Required (Summary)

✅ Mandatory Documents:

• Valid Aadhaar Card
• Active Savings Bank Account
• Mobile Number (for OTP)

✅ Additional Information Needed:

• Nominee details (Name, DOB, Relationship)
• Address proof (usually Aadhaar sufficient)
• Email ID (optional but recommended)

Premium Payment: Paisa Kaise Kata Hai?

Premium Structure 2025

Annual Premium Breakdown:

• Base Premium: ₹12
• Total Deduction: ₹12 only

(Note: Kuch banks minimal service charges le sakte hain, but mostly ₹12 hi total amount hai)

Payment Method

Auto-debit Through Bank Account:

1. Deduction Date: Har saal 1st June (or around that date)
2. Account Requirement: Sufficient balance hona chahiye
3. Failure Scenario: Agar balance nahi hai toh coverage lapse ho jayega
4. Re-enrollment: Failed payment case me re-enroll karna padega

Important Payment Points:

• One-time annual payment - Monthly nahi kata
• Pre-authorized debit - Bank account se auto-deduct hota hai
• No cash payment - Cash me premium nahi de sakte
• No cheque - Cheque se bhi payment nahi hota
• SMS alert - Premium deduction ka SMS aata hai

Renewal Process

Automatic Renewal:

• Agar sufficient balance hai account me on 1st June
• Auto-debit successful ho jayega
• Coverage automatically renew ho jayega next year ke liye

Manual Renewal (If coverage lapsed):

• Bank me jaake re-enrollment form fill karein
• Fresh application ki tarah process hoga
• Coverage gap period cover nahi hoga

Claim Process: Claim Kaise Karein? (Step-by-Step)

When to Claim?

Claim tab file karna hai jab:

• Accidental death ho gayi ho (nominee claim karega)
• Permanent total disability ho gayi ho
• Permanent partial disability ho gayi ho

Documents Required for Claim

In Case of Accidental Death:

1. Duly Filled Claim Form - Insurance company ka official claim form
2. Death Certificate - Municipal authority se issued
3. FIR Copy - Police station se (if applicable)
4. Post Mortem Report - Medical authority se
5. Nominee's Identity Proof - Aadhaar, PAN, etc.
6. Bank Account Details - Cancelled cheque of nominee
7. Insurance Certificate - PMSBY enrollment proof
8. Claimant's Affidavit - Notarized affidavit

In Case of Disability:

1. Claim Form - Fully filled and signed
2. Disability Certificate - Authorized medical practitioner se
3. FIR Copy - If accident reported to police
4. Medical Reports - Treatment details, X-rays, scan reports
5. Hospital Discharge Summary
6. Doctor's Certificate - Permanent disability confirm karta hua
7. Identity Proof - Aadhaar card
8. Bank Details - Passbook or cancelled cheque

Claim Filing Process (Step-by-Step)

Step 1: Immediate Action

• Accident hone ke turant baad hospital me admit karwayein
• Medical treatment start karein
• Police complaint lodge karein (serious accidents me)

Step 2: Bank Ko Inform Karein

• Apne bank branch me jaayein
• PMSBY claim ke baare me batayein
• Claim form collect karein

Step 3: Insurance Company Contact

• Bank aapko insurance company ka detail dega
• Insurance company ke claim department ko contact karein
• Claim number note kar lein

Step 4: Documents Collect Karein

• Upar mentioned sabhi documents arrange karein
• Photocopies aur originals dono rakhein
• Medical certificates notarize karwayein

Step 5: Claim Form Fill Karein

• Accurately aur completely form fill karein
• Koi column blank na chhode
• Nominee/Claimant sign kare

Step 6: Submit Documents

• Bank branch me ya directly insurance company ko submit karein
• Acknowledgment receipt zaroor lein
• Claim tracking number note karein

Step 7: Follow-up Karein

• Regular intervals par claim status check karein
• Bank ya insurance company se contact me rahein
• Additional documents maange toh turant provide karein

Step 8: Claim Settlement

• Verification complete hone ke baad
• Amount nominee/claimant ke bank account me transfer hoga
• Usually 30-60 days lagta hai (2025 me process fast hai)

Claim Rejection Reasons & Solutions

Common Rejection Reasons:

1. Incomplete Documentation

   • Solution: Pehle hi complete documents submit karein

2. Late Claim Filing

   • Solution: Accident ke turant baad claim process start karein

3. Premium Not Paid

   • Solution: Ensure karein ki har saal premium paid hai

4. Non-accidental Death/Disability

   • Solution: Clear medical evidence provide karein ki accident thi

5. Policy Lapsed

   • Solution: Regular premium payment maintain karein

Agar Claim Reject Ho Jaye:

• Insurance company se written rejection reason maangein
• Additional documents provide karein if asked
• Insurance Ombudsman se complain karein
• Consumer court me case file kar sakte hain

Benefits of PMSBY: Kyon Join Karein?

Financial Benefits

1. Ultra-Low Premium:

• Sirf ₹12 saal me
• Daily calculation karein toh ₹0.03 paise per day
• Sabse affordable insurance scheme

2. High Coverage:

• ₹2 lakh ka coverage
• Death aur disability dono cover
• Family ki financial security

3. No Medical Examination:

• Koi health checkup nahi chahiye
• Quick enrollment
• Age-related issues ka tension nahi

4. Tax Benefits:

• Section 80C under Income Tax Act me deduction
• Premium paid tax-free
• Claims received bhi tax-free

Social Benefits

1. Financial Inclusion:

• Har income group ke log apply kar sakte hain
• Poor aur middle-class families ka support

2. Accident Protection:

• India me accidents ki rate high hai
• Accidental deaths se family ko protection

3. Easy Accessibility:

• Kisi bhi bank branch se join kar sakte hain
• Digital platforms par bhi available

4. Government Backed:

• Trusted government scheme
• Transparency aur accountability

Comparison with Other Insurance Schemes

PMSBY vs Private Accident Insurance:

Feature	PMSBY	Private Insurance
Premium	₹12/year	₹500-5000/year
Coverage	₹2 lakh	Varies (₹2-50 lakh)
Medical Test	Not required	Often required
Claim Process	Simple	Complex sometimes
Age Limit	18-70 years	Varies
Enrollment	Any bank	Agent required

PMSBY vs PMJJBY (Pradhan Mantri Jeevan Jyoti Bima Yojana):

Feature	PMSBY	PMJJBY
Type	Accident only	Death (any reason)
Premium	₹12	₹436/year
Age Limit	18-70	18-50
Coverage	₹2 lakh	₹2 lakh
Best For	Accident protection	Life insurance

State-wise Implementation & Statistics

Coverage Across India (2024-25 Data)

Top Enrolled States:

1. Uttar Pradesh - 1.5+ crore enrollments
2. Maharashtra - 1.2+ crore enrollments
3. Bihar - 95+ lakh enrollments
4. West Bengal - 85+ lakh enrollments
5. Madhya Pradesh - 80+ lakh enrollments

Fastest Growing States:

• Gujarat - 45% growth in last year
• Rajasthan - 42% growth
• Karnataka - 38% growth
• Tamil Nadu - 35% growth

Success Stories

Real-life Impact Examples:

Case 1: Ramesh Kumar - UP

Ramesh, ek auto driver, bike accident me seriously injured ho gaye. Unhe permanent partial disability hui (one leg). PMSBY claim karke unhone ₹1 lakh received kiye jo unki treatment aur family support me kaam aaye.

Case 2: Sunita Devi - Bihar

Sunita ke husband construction site accident me expire ho gaye. PMSBY nominee hone ki wajah se unhone ₹2 lakh claim receive kiye jo bachon ki education aur family ki immediate needs me helpful rahe.

Case 3: Arjun Patel - Gujarat

Factory worker Arjun ko machinery accident me permanent total disability hui. PMSBY se ₹2 lakh milne se unhone chhota business start kiya aur financially independent bane.

Common Myths & Facts About PMSBY

Myth Busters

Myth 1: "Sirf garib logon ke liye hai"

✅ Fact: Koi bhi eligible person join kar sakta hai - rich ya poor

Myth 2: "Claim milna mushkil hai"

✅ Fact: Proper documentation ke saath claims easily settle hote hain

Myth 3: "Medical examination zaroor hai"

✅ Fact: Bilkul nahi, koi medical test required nahi

Myth 4: "Natural death bhi cover hoti hai"

✅ Fact: Nahi, sirf accidental death/disability cover hai

Myth 5: "Har accident me claim milega"

✅ Fact: Terms & conditions apply, exclusions read karein

Myth 6: "Multiple accounts se multiple coverage"

✅ Fact: Ek person sirf ek coverage le sakta hai

Myth 7: "Claim automatic mil jata hai"

✅ Fact: Claim file karna padta hai with proper documents

Myth 8: "Premium kabhi nahi badhta"

✅ Fact: Currently ₹12 hi hai, but government future me revise kar sakti hai

Important Terms & Conditions

Policy Terms You Must Know

1. Coverage Period:

• June 1st to May 31st (annual cycle)
• Mid-year joining me prorata basis nahi
• Full year ka premium dena padega

2. Accident Definition:

• Sudden, unforeseen, involuntary event
• External, visible bodily injury
• Solely and directly causing death/disability

3. Nominee Rules:

• One nominee compulsory
• Multiple nominees bhi add kar sakte hain with percentage share
• Minor nominee allowed (guardian details required)
• Nominee change kar sakte hain anytime

4. Age Calculation:

• As on enrollment date
• 70 years tak renewal possible
• 71st birthday ke baad no coverage

5. Exclusions (Kya Cover Nahi Hota):

• Self-inflicted injuries
• Suicide or attempted suicide
• War or war-like operations
• Nuclear radiation
• Intoxication (drug/alcohol influenced accidents - varies)
• Adventure sports (as per insurance company terms)

6. Claim Time Limit:

• Death claims: Within 30 days of death
• Disability claims: Within 90 days of accident
• Late claims may be rejected

7. Multiple Policies:

• Same person multiple PMSBY nahi le sakta
• But PMSBY + PMJJBY together le sakte hain
• Other private insurance ke saath bhi compatible

How to Check PMSBY Status?

Enrollment Status Check Karne Ke Tarike

Method 1: Through Bank

• Net banking me login karein
• Insurance section me check karein
• Status active ya inactive dikhega

Method 2: SMS

• Registered mobile se SMS karein (bank-specific format)
• Example: "PMSBY STATUS" send to bank number

Method 3: Bank Branch Visit

• Passbook lekar branch jaayein
• Officer se status puchhe

Method 4: PMJJBY-PMSBY Portal

• Official website visit karein
• Account number se login karein
• Enrollment details dekh sakte hain

Certificate Download Kaise Karein?

Online Download:

1. Net banking login
2. Insurance section
3. PMSBY certificate download option
4. PDF save karein

Offline:

• Bank branch se request karein
• Written application submit karein
• Certificate print karke milega

Tips for Maximum Benefit

Smart Strategies

1. Enroll Early:

• 18 years ki age hote hi enroll karein
• Maximum protection period milega

2. Keep Documents Safe:

• Insurance certificate safe rakhein
• Nominee ko bhi inform karein
• Digital copy bhi maintain karein

3. Update Nominee Details:

• Life changes (marriage, kids) ke according update karein
• Correct nominee ensures smooth claim

4. Maintain Bank Balance:

• June month me sufficient balance rakhein
• Auto-renewal ke liye important

5. Inform Family:

• Family members ko scheme ke baare me batayein
• Claim process ke baare me aware karein

6. Link with Aadhaar:

• Aadhaar linking compulsory hai
• Claims me easy verification

7. Keep Mobile Number Active:

• Registered mobile number active rakhein
• Important notifications receive karne ke liye

8. Read Policy Document:

• Terms & conditions carefully padhein
• Exclusions ko samjhein

9. Combine with PMJJBY:

• Dono schemes together lein
• Comprehensive coverage (accident + life)
• Total premium: ₹12 + ₹436 = ₹448/year

10. Annual Review:

• Har saal premium deduction confirm karein
• Coverage active hai ya nahi check karein

Bank-wise PMSBY Details

Major Banks Offering PMSBY

State Bank of India (SBI):

• Online enrollment: SBI net banking
• Partner Insurance: SBI Life Insurance
• Claim helpline: 1800-267-9090
• Process: Fast track claims

HDFC Bank:

• Digital enrollment available
• Partner: HDFC ERGO
• Customer care: 1800-266-0700
• Features: Mobile app integration

ICICI Bank:

• iMobile app se enrollment
• Partner: ICICI Lombard
• Helpline: 1860-266-7777
• Benefits: Instant certificate generation

Punjab National Bank (PNB):

• Branch aur online dono option
• Partner: PNB MetLife
• Contact: 1800-180-2345
• Special: Rural area focused

Bank of Baroda:

• Easy enrollment process
• Partner: BOB Life Insurance
• Toll-free: 1800-258-4455
• Feature: Regional language support

Canara Bank:

• Simplified online process
• Partner: Canara HSBC OBC Life
• Customer care: 1800-425-0018
• Benefits: Quick claim settlement

How to Choose Right Bank?

• Existing Account: Jis bank me account hai wahi best
• Digital Features: Online facility chahiye toh modern banks
• Branch Network: Rural area me branch availability check karein
• Claim Record: Bank ki claim settlement history dekhe

Latest Updates & News (2025)

Recent Government Announcements

January 2025:

• Digital India initiative ke under, complete paperless enrollment launched
• Aadhaar-based instant enrollment facility

February 2025:

• Mobile app "PM Suraksha" launched
• Real-time claim tracking feature added

March 2025:

• Regional language support expanded to 22 languages
• Specially-abled persons ke liye simplified process

April 2025:

• Integration with Ayushman Bharat Digital Mission
• Health ID linkage started

Expected in May-June 2025:

• Premium review (may remain ₹12 or slight revision)
• Coverage amount increase discussion (from ₹2 lakh to higher)
• Age limit expansion plans under consideration

Future Roadmap

Proposed Enhancements:

1. Coverage Increase: ₹5 lakh tak coverage ka proposal
2. Premium Structure: Slab-based premium (age-wise)
3. Additional Benefits: Medical expenses coverage along with insurance
4. Family Floater: Complete family cover option
5. Digital Claims: 100% paperless claim process by 2026

Contact & Support Information

Helpline Numbers

National Toll-Free Numbers:

• PMSBY General Helpline: 1800-180-1111 / 1800-110-001
• PMJJBY-PMSBY Unified: 1800-180-1111
• Email: [email protected]

Bank-Specific Numbers (mentioned in previous section)

Official Websites & Portals

Primary Portal:

🌐 www.jansuraksha.gov.in

• Official PMSBY website
• Complete information
• Downloads available
• FAQs section

PMSBY Application Portal:

🌐 www.pmjjby-pmsby.gov.in

• Online application
• Status check
• Certificate download
• Claim tracking

Finance Ministry:

🌐 www.finmin.nic.in

• Policy updates
• Government notifications
• Scheme guidelines

Social Media Handles

Official Twitter: @FinMinIndia

Facebook: Ministry of Finance, India

YouTube: Finance Ministry Channel

Grievance Redressal

Step 1: Bank Level

• First contact your bank branch
• Speak to PMSBY nodal officer

Step 2: Insurance Company

• Contact partner insurance company
• File written complaint

Step 3: Insurance Ombudsman

• File complaint online at www.cioins.co.in
• Free service
• Resolution within 30 days

Step 4: Consumer Forum

• Last resort
• Legal action
• District/State/National level

Comparison: PMSBY vs Other Government Schemes

Complete Government Insurance Portfolio

1. PMSBY (Accident)

• Premium: ₹12
• Coverage: ₹2 lakh
• Age: 18-70

2. PMJJBY (Life)

• Premium: ₹436
• Coverage: ₹2 lakh
• Age: 18-50

3. Atal Pension Yojana (Pension)

• Premium: Age-based (₹42-₹1454/month)
• Pension: ₹1000-5000/month after 60
• Age: 18-40 (joining)

4. Ayushman Bharat (Health)

• Premium: Free
• Coverage: ₹5 lakh/family/year
• For: Poor & vulnerable families

Ideal Combination for Complete Protection:

✅ PMSBY (₹12) + PMJJBY (₹436) = ₹448/year for life & accident cover

✅ Add Ayushman Bharat if eligible (free)

✅ Add Atal Pension for retirement (optional)

Total Annual Cost: ₹448 for comprehensive accident + life coverage!

FAQs - Frequently Asked Questions

Q1: PMSBY me enroll hone ke liye kya-kya documents chahiye?

Answer: Sirf 3 basic documents chahiye:

1. Aadhaar card (mandatory aur bank se linked hona chahiye)
2. Active savings bank account (auto-debit ke liye)
3. Registered mobile number (OTP verification ke liye)
   Bas! Koi medical certificate ya income proof nahi chahiye.

Q2: Agar premium payment fail ho jaye toh kya hoga?

Answer: Agar June me account me sufficient balance nahi hai aur premium deduct nahi hota:

• Aapka coverage lapse ho jayega
• Us period ki accidents cover nahi hongi
• Re-enrollment karna padega fresh application ki tarah
• Gap period me koi coverage nahi hoga
  Solution: June month me minimum ₹12 balance zaroor rakhein

Q3: Kya mai ek se zyada bank accounts se PMSBY le sakta hu?

Answer: Nahi, ek person sirf ek hi PMSBY policy le sakta hai. Multiple bank accounts hain toh bhi sirf ek account se enroll kar sakte hain. Duplicate enrollment allowed nahi hai.

Q4: Nominee kaun ho sakta hai aur kya mai nominee change kar sakta hu?

Answer:

• Kaun ho sakta hai: Koi bhi - spouse, parents, children, siblings, ya koi bhi person
• Minor nominee: Haan, allowed hai (guardian details required)
• Change: Haan, bank me jaake nominee change request de sakte hain anytime
• Multiple nominees: Haan, percentage distribution ke saath

Q5: Road accident me injury hui but death nahi, kya claim milega?

Answer: Haan, injury permanent disability cause kare toh:

• Permanent Total Disability (dono eyes/hands/legs): ₹2 lakh
• Permanent Partial Disability (ek eye/hand/leg): ₹1 lakh
  Temporary injury cover nahi hoti. Disability permanent aur certified honi chahiye authorized medical practitioner se.

Q6: Claim settlement me kitna time lagta hai?

Answer: 2025 me claim process fast hai:

• Document verification: 7-15 days
• Investigation (if needed): 15-30 days
• Claim settlement: Total 30-60 days
  Complete documents submit karein toh faster processing hoti hai. Bank aur insurance company ki efficiency par bhi depend karta hai.

Q7: Kya natural death ya illness se death me claim milega?

Answer: Nahi, PMSBY sirf accidental death aur disability cover karta hai. Natural death, illness, disease, ya medical conditions cover nahi hote. Iske liye PMJJBY (Pradhan Mantri Jeevan Jyoti Bima Yojana) lena chahiye jo any reason death cover karta hai.

Q8: 70 saal ke baad kya hoga? Renewal milega?

Answer: Nahi, 70 years ki age ke baad renewal nahi hoga. Ye scheme 18-70 years ke logon ke liye hai. Agar aapki age 70 cross kar gayi, toh policy terminate ho jayegi. Premium refund bhi nahi hoga.

Q9: Premium ka amount kabhi badhega?

Answer: Currently ₹12 fixed hai, but:

• Government future me revise kar sakti hai
• Inflation aur claim ratio ke basis par
• Abhi tak 2015 se ₹12 hi hai
• Koi bhi change pehle announce hoga
  Generally stable rakha jata hai scheme ko affordable banaye rakhne ke liye.

Q10: Office ya workplace accident cover hota hai?

Answer: Haan, bilkul! PMSBY har tarah ke accidents cover karta hai:

• Workplace accidents
• Road accidents
• Home accidents
• Public place accidents
  Bas accident genuine aur involuntary honi chahiye. Terms & conditions ke exclusions me nahi aani chahiye.

Q11: Kya mai PMSBY aur PMJJBY dono le sakta hu?

Answer: Haan absolutely! Ye recommended bhi hai:

• PMSBY: Accident death/disability (₹12/year)
• PMJJBY: Any reason death (₹436/year)
• Total cost: ₹448/year
• Total coverage: ₹4 lakh (accident me ₹2 lakh + ₹2 lakh, natural death me ₹2 lakh)
  Complete protection milta hai.

Q12: Online claim kar sakte hain ya bank jaana padega?

Answer: 2025 me dono options hain:

• Online: Documents scan karke upload kar sakte hain insurance portal par
• Offline: Bank branch me physically submit kar sakte hain
• Hybrid: Initial online filing, final documents offline submission
  Serious cases me bank jaana better hai proper guidance ke liye.

Q13: Agar accident India ke bahar hua toh claim milega?

Answer: Yes, worldwide coverage hai PMSBY me!

• Accident kahi bhi ho - India ya abroad
• Claim valid hai
• But documents Indian authorities se attested hone chahiye
• Foreign documents ka translation aur verification required
  NRIs eligible nahi hain scheme ke liye, sirf resident Indians jo travel kar rahe hain.

Q14: Joint account hai toh dono log policy le sakte hain?

Answer: Haan, joint account ke case me:

• Dono account holders separately enroll kar sakte hain
• Individual coverage milega (₹2 lakh each)
• Dono ka premium account se deduct hoga (₹12 × 2 = ₹24)
• Separate policies, separate nominees

Q15: Mental health issues ya depression se related accidents cover hain?

Answer: Ye complicated case hai:

• Self-harm/Suicide: Cover nahi hai
• Accidental injury (mental health patient ko): Case by case basis
• Insurance company investigation karega
• Medical reports aur circumstances dekhi jayengi
  Generally, self-inflicted injuries excluded hain terms me.

Disclaimer:

Ye article informational purpose ke liye hai. PMSBY me enrollment se pehle official government websites aur apne bank se verify zaroor karein. Terms & conditions apply. Premium aur coverage amounts government notifications ke according change ho sakte hain.

Last Updated: Oct, 2025