India is very large population country and most of the people belong to middle class and poor family so in this circumstance they can not save money for his future and in their series illness they can't afford doctor for their treatment and if main earner of family is die in unusual circumstances the all problems over his family in this condition government introduce new insurance policy for them.
Pradhan Mantri Bima Surksha Yojana (PMBSY) launched by Honourable Prime Minister of India Shri Narendra Modi in 8 may 2015 in Kolkata, The main motive of this scheme is to provide insurance cover of Rs.2,00,000 in case of accidental death and total disability to all citizens of India.
As per the information published by bank in march 2019, more than 15.47 crore people enrolled under Pradhan Mantri Bima Surksha Yojana (PMBSY).
This scheme administered through public sector general insurance companies and other general insurance company.
Who can apply :-
Everyone age between 18 to 70 and has a savings bank account, he can join this Pradhan Mantri Bima Surksha Yojana.
Amount of Premium :-
Monthly 1 ( one) rupee debited direct from bank account, total yearly amount 12 rupees debited. The Amount is auto debited facility from bank account holder on monthly basis for PMBSY.
It is one year policy and may be renewed each year by the bank account holder.
In which case help will be given :-
- Accidental death, lost complete and permanent eye vision in an accident or lost both legs in accident or lost both hand in an accident or lost vision of an eye and lost one hand and one leg in an accident,
- In case of lost vision of one eye or in case of if one arm or leg becomes unusable in this case the insurance cover is Rs. 1,00,000.
- In case of death due to natural reason such as heart attack, cancer or series disease is excluded
How to avail :-
If you have online banking services then you can done with online login with your bank account and fill form online.
In case you don't have online banking then go your bank branch and fill offline form given by bank.
The benefit can be avail from all nationalised Bank, to avail the benefit of this scheme a guarantee form has to be filled in the bank form in which the information of the nominee has to be mentioned.
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