Pradhan Mantri Suraksha Bima Yojana In Hindi – प्रधानमंत्री सुरक्षा बीमा योजना)

Pradhan Mantri Suraksha Bima Yojana In Hindi

Pradhan Mantri Suraksha Bima Yojana Overview

Pradhan Mantri Suraksha Bima Yojana is an accidental insurance plan developed by Indian government to secure the life of Indians from an accidental tragedy. With the motive to secure the lives of Indians this scheme was launched. This is a government backed accident insurance plan. This scheme is also mentioned in Budget Speech of year 2015, given by our Finance Minister Mr. Arun Jaitley.

This scheme was launched by our Prime Minister Narendra Modi. He launched this scheme in Kolkata on May 9, 2015. As per the survey of the government in May,2015 only 20% of Indian population was covering with these kind of insurance, this was really a attentive matter for Indian government this was showing the uncertain future of Indians. to make aware Indians about the need of insurance and with the motive to insure their lives this scheme was launched by the Indian Government.

This scheme is just like insurance plans; annual premium for this scheme covers you for accident insurance for one year, to redeem this insurance you need to pay the premium annually on continuous basis. Annual premium is needed to pay as auto-debit facility from your bank account. All those Indians who are having their individual bank accounts are eligible to have this scheme. Any Indian who comes under the age group of 18-70 years can have this scheme.

Pradhan Mantri Suraksha Bima Yojana In Hindi (प्रधानमंत्री सुरक्षा बीमा योजना)

Pradhan Mantri Suraksha Bima Yojana In Hindi

प्रधान मंत्री सुरक्षा बीमा योजना भारतीय सरकार द्वारा एक आकस्मिक त्रासदी से भारतीयों के जीवन को सुरक्षित करने के लिए विकसित एक आकस्मिक बीमा योजना है। भारतीयों के जीवन को सुरक्षित करने के उद्देश्य से इस योजना को लॉन्च किया गया था। यह एक सरकारी समर्थित दुर्घटना बीमा योजना है। हमारे वित्त मंत्री श्री अरुण जेटली द्वारा दिए गए वर्ष 2015 के बजट भाषण में इस योजना का भी उल्लेख किया गया है।

यह योजना हमारे प्रधान मंत्री नरेंद्र मोदी द्वारा शुरू की गई थी। उन्होंने इस योजना को 9 मई, 2015 को कोलकाता में लॉन्च किया। मई 2015 में सरकार के सर्वेक्षण के मुताबिक, भारतीय आबादी का केवल 20% ही इस तरह के बीमा के साथ कवर कर रहा था, यह वास्तव में भारतीय सरकार के लिए एक चौकस मामला था जो यह दिखा रहा था भारतीयों का अनिश्चित भविष्य भारतीयों को बीमा की आवश्यकता के बारे में जागरूक करने और अपने जीवन बीमा करने के उद्देश्य से यह योजना भारतीय सरकार द्वारा शुरू की गई थी।

यह योजना सिर्फ बीमा योजनाओं की तरह है; इस योजना के लिए वार्षिक प्रीमियम आपको एक वर्ष के लिए दुर्घटना बीमा के लिए कवर करता है, इस बीमा को रिडीम करने के लिए आपको निरंतर आधार पर सालाना प्रीमियम का भुगतान करना होगा। आपके बैंक खाते से ऑटो-डेबिट सुविधा के रूप में भुगतान करने के लिए वार्षिक प्रीमियम की आवश्यकता होती है। वे सभी भारतीय जिनके पास व्यक्तिगत बैंक खाते हैं, वे इस योजना के लिए पात्र हैं। 18-70 साल के आयु वर्ग के अंतर्गत आने वाले किसी भी भारतीय के पास यह योजना हो सकती है।

Features Of Pradhan Mantri Suraksha Bima Yojana (PMSBY)

This scheme was being launched with the motive to secure the lives of Indian, as its noble motive this scheme is also having some salient features which are you should know and these features are as following:

  • This government backed insurance plan gives 1 year accident cover to the insured.
  • To redeem the insurance you need to premium annually.
  • Annual premium of this policy is just Rs.12.
  • A sum assure of 2 lakhs is offered to the insured person.
  • A person can have only one insurance at a time, even then they are having multiple bank accounts does not mean that they can have multiple policies.
  • Many private and government banks are offering you this policy i.e. HDFC, ICICI , SBI, Axis bank. Union Bank of India, Canara Bank and so on.
  • After attaining the age of 70years, this policy gets terminated automatically.
  • You mobile number need to be updated with your bank account if you want to avail the policy, without updated mobile number with your bank account you cannot avail the policy.
  • Adhar card is primary KYC for this policy.
  • Premium of this is on auto-debited mode from customer’s saving account; customer can cancel this auto-debited mode.
  • A claim following sum assure of Rs.100000 is tax free.

Benefits Of The Pradhan Mantri Suraksha Bima Yojana (PMSBY)

With the launching of this policy government is giving many benefits to the insured person on claiming which we are going to discuss below:

  • In case of death of the insured person, this policy gives Rs. 2 lakh to nominee or legal heir.
  • In case of permanent total disability(loss of both eyes, loss of two limbs of body) of the insured person, policy gives Rs. 2 lakh to insured person.
  • In case of partial disability (one eye loss, one limb loss of body)of insured person this policy gives Rs. 1 lakh to insured person.
  • In case the insured person got temporary disability this policy gives Rs. 5000 per month for maximum 100 weeks to insured person.
  • For carriage of dead body this policy offers Rs. 2500.
  • This policy also provides child education grant if child is below 25 years of Rs. 10000 for one child and Rs.20000 for two child.

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Exclusions of PMSBY

With benefits of this policy there are also some exclusions means the things which will not be covered under this policy i.e.:

  • If insured person intentionally got injured or attempt suicide or got suicide in this case this policy does gives nay coverage.
  • If insured person got injured while taking alcohol and drugs, he\she will not be eligible to get any claim.
  • If the insured person get loss due to breaking law with criminal intent in this case also insured will not be eligible to get any claim.
  • Medical Expenses which are arising out from an accident are also excluded.
  • Any injury and death of the insured person while being part of any adventure and extreme sports is also excluded in this policy.
  • If insured person got injured or died while war, warlike activities and riot not claim will be offered to the insured person.
  • Any injury or death caused by chemical weapons, radiation, nuclear weapons is also excluded.
  • If insured person got dead or disability while childbirth and pregnancy is also excluded.

Eligibility for Pradhan Mantri Suraksha Bima Yojana (PMSBY)

To get the benefits of this policy person need to be completed with following eligibility criteria:

  • Person should be an Indian.
  • Should have Adhar card as a primary KYC needed for this policy.
  • Should be in age group of 18-70 years.
  • Persons should have an individual bank account in any of those banks which are approved by PMSBY.

प्रधान मंत्री सुरक्षा बीमा योजना (पीएमएसबीवाई) के लिए पात्रता

इस पॉलिसी के लाभ प्राप्त करने के लिए व्यक्ति को पात्रता मानदंडों के साथ पूरा करने की आवश्यकता है:
  • व्यक्ति एक भारतीय होना चाहिए।
  • इस नीति के लिए आवश्यक प्राथमिक केवाईसी के रूप में आदर्श कार्ड होना चाहिए।
  • 18-70 साल के आयु वर्ग में होना चाहिए।
  • पीएमएसबीवाई द्वारा अनुमोदित उन बैंकों में से किसी एक व्यक्ति के पास व्यक्तिगत बैंक खाता होना चाहिए।

How To Apply For Pradhan Mantri Suraksha Bima Yojana (PMSBY)

To apply online following steps need to be followed:

  • You need to visit official website of jansuraksha i.e. jansuraksha.gov.in
  • Then you need to select form from the menu .
  • A Pradhan Mantri Suraksha Bima Yojana application form will be displayed on screen.
  • Now you need to download the application form.
  • You can download the form in both language i.e. Hindi, English.
  • Now you need to fill the form with the required details.
  • Submit the filled form to bank where you are having your saving account, make sure your bank is empanelled with PMSBY.

You can also visit your bank to apply for this policy. Get a application form for PMSBY and submit it back to the bank officer after filling all required details.

प्रधान मंत्री सुरक्षा बीमा योजना (पीएमएसबीवाई) के लिए आवेदन कैसे करें

निम्नलिखित चरणों को लागू करने के लिए निम्नलिखित चरणों का पालन करना होगा:
  • आपको जनसुरक्ष की आधिकारिक वेबसाइट i.e. jansuraksha.gov.in पर जाना होगा
  • फिर आपको मेनू से फॉर्म का चयन करने की आवश्यकता है।
  • एक प्रधान मंत्री सुरक्षा बीमा योजना आवेदन पत्र स्क्रीन पर प्रदर्शित किया जाएगा।
  • अब आपको आवेदन पत्र डाउनलोड करना होगा।
  • आप दोनों भाषाओं में फॉर्म डाउनलोड कर सकते हैं यानी हिंदी, अंग्रेजी।
  • अब आपको आवश्यक विवरण के साथ फॉर्म भरना होगा।
  • भरे हुए फॉर्म को बैंक में जमा करें जहां आपके पास अपना बचत खाता है, सुनिश्चित करें कि आपका बैंक PMSBY के साथ सूचीबद्ध है।
इस नीति के लिए आवेदन करने के लिए आप अपने बैंक भी जा सकते हैं। पीएमएसबीवाई के लिए आवेदन पत्र प्राप्त करें और सभी आवश्यक विवरण भरने के बाद इसे बैंक अधिकारी को जमा करें।

How To Claim For PMSBY?

In case of death or injury, which will follow the criteria of claim under policy need to be informed to insurer within maximum 14 days. To get the claim following documents need to be submitted to insurer:

  • Duly filled claim form.
  • Medical bills.
  • Death certificate.
  • Physician certificate.
  • Police report.

With the submission of the documents the procedure of claim is being started by the insurer, after completing all verification insured or nominee can get the claim.

PMSBY was launched with a very noble motive of Indian government, increasing the ratio of the insured people in India and also securing the lives of the people and their families with a small amount of premium.

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