PMSBY: The central government is providing many insurance schemes for many poor and middle class people in the country. If a big person of the family loses his life unexpectedly.. the family loses a big direction. That’s why it offers many insurance plans with very low premium. One of these is Pradhan Mantri Suraksha Bima Yojana (PMSBY). Recently, the number of people dying in road accidents is increasing. As many people are losing their lives in these accidents, their families are facing a lot of financial problems along with loss of direction. With this in mind, the central government has introduced the Pradhan Mantri Suraksha Bima Yojana scheme to provide financial security to the poor and middle class people in case of death in road accidents. According to the latest report of the National Crime Records Bureau (NCRB), the number of road accidents in the country is steadily increasing. From 2020 to 2021, accidents have increased by 16.8 percent. While 1,55,622 lakh people died in road accidents in 2021, 3,71,884 people were injured in 4,03,116 road accidents in the same year. If you want to take insurance in private companies, the premium will be higher. Many people do not take insurance due to this. For such people, the central government is providing an opportunity to get accident insurance at a very low premium.

A person joining Pradhan Mantri Suraksha Bima Yojana will pay Rs. 20 by depositing Rs. Insurance benefits up to 2 lakhs can be availed. People joining this scheme should have a saving account in the bank. Official website of Pradhan Mantri Suraksha Bima Yojana or Directly to the website by clicking the link here Visit and get the application form for this scheme. The details included in the application should be completed and copies of the required documents should be attached and submitted to the bank. Rs.20 will be taken from the account for this scheme.

Who is eligible: Those between the age of 18 to 70 years are eligible for this scheme. Under this scheme, if any beneficiary dies in a road accident, the family members of the deceased can get financial assistance of Rs.2,00,000. In case of permanent disability in the accident, financial assistance of Rs. Those who have a savings account in the bank can join this scheme.

Claim Procedure: In case of death of the beneficiary enrolled in the scheme due to any accident, the claim form should be completed at the nominated bank and insurance office of the person. The insured has to submit the death certificate of the insured at the bank branch where the insured has his savings account. After the process is completed, the insurance cover amount will be transferred into the nominee’s account.

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