It is very important to get insurance to keep the family safe in future problems, but it is not possible for the poor people to pay a higher premium. To help such people, the government is running the Pradhan Mantri Suraksha Bima Yojana. In which you can claim insurance up to 2 lakh by paying a premium of just Rs 12 annually.
This accident insurance scheme is very cheap compared to other policies. The government started this scheme in the year 2015 to secure the future of the weaker section people and to help the family members if they do not live. So what is this policy and how to take the benefit of it, know the complete details.
From accident to death, one gets claim
Under the PM Suraksha Bima Yojana, if the insured dies in an accident, then his family and nominee will get two lakh rupees. At the same time, if a person is partially disabled during the accident, then he will be given one lakh rupees. Whereas even if completely disabled, he will be given full two lakh rupees.
Who can take policy
People between 18 and 70 years of age can take advantage of this policy. In this, a premium of 12 rupees is deducted automatically every year from the bank account of the insured. If you want to surrender this policy, then you can close it by giving an application in the bank where you have an account.
How to apply
For applying under PM Suraksha Bima Yojana, the policy holder should have an active saving bank account. It is mandatory to link Aadhaar card with bank account. Fill the form of the plan for the application, as well as make a photocopy of the Aadhar card, bank account passbook, age certificate and income certificate and keep a passport size photo. For detailed information you can visit the website https://jansuraksha.gov.in/Forms-PMSBY.aspx.
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