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Accidental Insurance scheme

Protect yourself with our Accidental Insurance Scheme—providing essential coverage
and peace of mind in case of unforeseen accidents.

Home > Schemes > Accidental Insurance scheme

Applying for the Accidental Insurance scheme, also known as the "Pradhan Mantri Suraksha Bima Yojana (PMSBY)" in India, can be done through several channels. Here’s a step-by-step guide on how to apply for this scheme:

Step-by-Step Guide to Apply for Pradhan Mantri Suraksha Bima Yojana (PMSBY)
  • Step 1: Check Eligibility
    • Ensure that you meet the eligibility criteria for the PMSBY scheme:
    • Age Requirement: Individuals aged between 18 and 70 years.
    • Bank Account: You must have a savings bank account to enroll in the scheme.

  • Step 2: Gather Necessary Documents

    Prepare the following documents before starting the application process:

    • Aadhar Card
    • Bank Account Details
    • Contact Information (mobile number linked to the bank account)

  • Step 3: Visit Your Bank or Insurance Provider

    You can enroll in the PMSBY scheme through your bank or insurance provider. Most public and private sector banks in India offer this scheme.


  • Step 4: Application Process
    • Online Enrollment:

      Net Banking: Log in to your bank's net banking portal.

      Select Insurance: Look for the insurance section and select "Pradhan Mantri Suraksha Bima Yojana."

      Fill in Details: Enter the required details and confirm your enrollment.

    • Offline Enrollment:

      Visit Bank Branch: Go to your bank branch with the necessary documents.

      Fill Out the Form: Ask for the PMSBY application form and fill it out with accurate details.

      Submit the Form: Submit the completed form along with a copy of your Aadhar card and bank account details.

    • Auto-Debit Consent: Provide consent for the auto-debit of the premium from your bank account.

  • Step 5: Confirmation and Policy Details

    After successful enrollment, you will receive a confirmation message on your registered mobile number. Your bank will auto-debit the annual premium of ₹12 from your account.

    Key Features of Pradhan Mantri Suraksha Bima Yojana

    • Coverage: Accidental death and disability cover.
    • Premium: An annual premium of ₹12.
    • Sum Assured:

      ₹2 lakh for accidental death.

      ₹2 lakh for total and irrecoverable loss of both eyes or loss of use of both hands or feet.

      ₹1 lakh for total and irrecoverable loss of sight of one eye or loss of use of one hand or foot.

    • Renewal The policy needs to be renewed every year. The premium amount will be auto-debited from your bank account annually.
    • Contact for Assistance If you need any assistance with the application process, you can contact your bank's customer service or visit the bank branch for support.

Conclusion

Applying for the Pradhan Mantri Suraksha Bima Yojana is a simple and straightforward process, providing valuable financial protection in case of accidents. Ensure you have all the necessary documents and follow the steps outlined above to secure coverage under this beneficial scheme.