Looking for information about Pradhan Mantri Suraksha Bima Yojana (PMSBY)? This guide covers eligibility, documents, premium, application, claims, and official links in one place.
Pradhan Mantri Suraksha Bima Yojana (PMSBY)
PMSBY is a one-year renewable personal accident insurance scheme of the Government of India. It provides ₹2 lakh for accidental death or permanent total disability and ₹1 lakh for specified permanent partial disability. It is administered through participating banks/Post Offices and insurers.
Last Verified: 27 August 2026
Source: Department of Financial Services, Ministry of Finance
Applicable State: India
Service Type: Bank / Post Office
Eligibility Criteria
| Eligibility Requirement | Details |
|---|---|
| Age | 18–70 years |
| Account | Individual bank/Post Office account with participating institution |
| Other Conditions | Only one account can be used for PMSBY enrolment |
Documents Required
| Document | Required / Optional | Purpose/Notes |
|---|---|---|
| Bank/Post Office account | Required | Premium is auto-debited |
| Consent/Enrolment form | Required | Authorises PMSBY and auto-debit |
| Aadhaar | KYC | Primary KYC for bank account |
Application Fee & Processing Time
| Application Type / Category | Application Fee | Processing Time |
|---|---|---|
| PMSBY enrolment | ₹20/year | Not clearly specified on the official source. |
Important Links
| Purpose | Official Link |
|---|---|
| Official Scheme Details | PMSBY – Department of Financial Services |
| Bank/Post Office Service | India Post PMSBY |
| Claim Form | Official PMSBY Claim Form |
| Official Forms/Guidelines | Jan Suraksha PMSBY Forms |
How to Apply — Step by Step
- Approach your participating bank/Post Office.
- Request PMSBY enrolment/consent.
- Submit the prescribed form and required details.
- Authorise annual auto-debit of ₹20.
- Keep the acknowledgement/enrolment details safely.
How to Track Application
PMSBY does not provide a separate central public application-status portal. Check enrolment/coverage details with the participating bank or Post Office where the PMSBY consent was given.
Need Help?
For an accident claim, submit the official claim form preferably within 30 days with the applicable supporting documents to the concerned bank/Post Office. For road/rail accidents, drowning or crime-related incidents, police reporting may be required.