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PMSBY 2026: Eligibility, Benefits & How to Apply

Pradhan Mantri Suraksha Bima Yojana (प्रधानमंत्री सुरक्षा बीमा योजना) — ₹2 lakh accident cover for ₹20 a year · Bank account holders aged 18–70

Ongoing

₹2 lakh accident cover for ₹20 a year — Bank account holders aged 18–70

LATEST · 9 May 2026PMSBY completed 11 years with over 58.09 crore cumulative enrolments and Rs 3,667.52 crore paid on 1,84,662 claims as on 29 April 2026; premium stays Rs 20 a year. pib.gov.in ↗
Official site: jansuraksha.gov.in ↗

Source: myscheme.gov.in · checked 21 Oct 2026

PMSBY quick answers

What you get₹2 lakh accident cover for ₹20 a yearmyscheme.gov.inWho can get itBank account holders aged 18–70See eligibilityHow to applySee the stepsOfficial websitejansuraksha.gov.inCentral government

Benefit

  • On Death- the Nominee shall get Rs. 2 Lakhs.
  • Total and irrecoverable loss of both eyes or loss of use of both hands or feet or loss of sight of one eye and loss of use of hand or foot- Subscriber shall get Rs. 2 Lakhs.
  • Total and irrecoverable loss of sight of one eye or loss of use of one hand or foot –subscriber shall get Rs. 1 Lakh.

Source: myscheme.gov.in ↗ · 21 Oct 2026

Latest official updates

  • PMSBY completed 11 years with over 58.09 crore cumulative enrolments and Rs 3,667.52 crore paid on 1,84,662 claims as on 29 April 2026; premium stays Rs 20 a year.pib.gov.in ↗

Am I eligible for PMSBY?

Who can apply

Tick each line that is true for you.

Source: myscheme.gov.in ↗ · 21 Oct 2026

How to apply

Steps

  1. In order to enrol in PMSBY offline, one can visit the bank branch where one has a savings account or the candidate can visit the official site: https://jansuraksha.gov.in/Forms-PMSBY.aspx to download the form.
  2. After downloading the application form , candidate can fill in all the details and submit them to the bank along with the required documents.
  3. Once it is successfully submitted , subscriber will get an Acknowledgement Slip Cum Certificate of Insurance.
  4. State wise tollfree number - https://jansuraksha.gov.in/files/STATEWISETOLLFREE.pdf
  5. National Toll Free Number - 1800-180-1111 / 1800-110-001

Source: myscheme.gov.in ↗ · 21 Oct 2026

PMSBY: questions people ask

Who Can Claim Insurance Benefit In Case Of Death Of The Bank Account Holder Who Gave The Enrolment Form?

In case of death of the Account holder who enrolled in the scheme, claim can be filed by the nominee/appointee as per the enrolment form or by the legal heir/s in case there is no nomination made by the subscriber bank account holder.

What Is The Mode Of Payment Of The Claim Amount?

Disability Claim will be credited in the bank account of the insured bank account holder. Death claims will be remitted to the bank account of the nominee / legal heir(s).

Will The Family Get Insurance Benefit If The Account Holder Commits Suicide?

No.

Is It Necessary To Report Accidents To Police And Obtain FIR For Claiming Benefits Under The Policy?

In case of incidents like Road, Rail and similar vehicular accidents, drowning, death involving any crime etc., the accident should be reported to police. In case of incidents like snake bite, fall from tree etc., the cause should be supported by immediate hospital record.

Source: myscheme.gov.in ↗

What changed on this page

· PMSBY completed 11 years with over 58.09 crore cumulative enrolments and Rs 3,667.52 crore paid on 1,84,662 claims as on 29 April 2026; premium stays Rs 20 a year.

· Facts checked against the official sources on 21 Oct 2026.

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