In today’s time, road accidents have increased rapidly. In case of road accident deaths or injuries, the government has run an insurance scheme for the financial assistance of the poor. In this, an insurance cover of lakhs is available at a premium of just Rs 12.
In today’s world, having a road accident has become a common thing in the fast paced life. Every day many people lose their lives in road accidents. Families who are suffering from lack of money, there is a mountain of sorrows when they get injured or die in a road accident. In such a situation, insurance with a better cover proves to be very helpful in terms of money in times of sorrow. But it is often seen that low earning families are not able to take advantage of the insurance facility.
In order to provide the benefit of insurance to the weak income group, the government has run a scheme named Pradhan Mantri Suraksha Bima Yojana. In this insurance scheme, we get a cover of lakhs by paying premium only in name. For low earning families, this scheme can prove to be of great use. Let us know more information related to the scheme.
2 lakh insurance will be available in 12 rupees
In the Pradhan Mantri Suraksha Bima Yojana, you can get insurance benefits up to Rs 2 lakh by depositing only Rs 12 in a year. If the insured dies in a road accident, the nominee will get Rs 2 lakh. Apart from this, Rs 1 lakh will be given even if there is a disability in a road accident.
Eligibility for the scheme
Any adult Indian person can take the benefit of Pradhan Mantri Suraksha Bima Yojana. The maximum age limit is 70 years. Also, to take advantage of the scheme, it is also necessary for you to have a savings account in any bank. Premium amount will be automatically deducted from your account through auto debit. Along with this, it is also necessary for the applicant to have Aadhar card, bank passbook and registered mobile number.
How to get claim
After the death of the insured, the nominee will have to go to the bank and the insurance office and fill the claim form. Along with this, he will also have to submit the death certificate in the bank branch having the policyholder’s savings account. After this, the amount of insurance cover will be transferred to the nominee by the bank officer in his bank account.
How to apply
To apply for Pradhan Mantri Suraksha Bima Yojana online, the applicant has to first go to the official website of Jan Suraksha Yojana. After which the home page will open in front of you.
Then on the home page click on the option of Forms. You will have 3 options in front of you. In these, click on the Prime Minister’s Security Insurance Scheme.
On clicking, the options of application form and claim form will open in front of you on the new page, in which you have to click on the application form.
Now you can download the PMSBY application form in Hindi and English or any other language according to you. After downloading, take a print out of the form.
Now fill all the information asked in the form like: agency name, savings account account number, your name, address, mobile number, Aadhar card number, date of birth, email ID, name of the nominee.
After this, you attach all the necessary documents asked for in the form with the application form. After filling all the information, you will have to submit the form to the bank with your savings account.