Pradhan Mantri Suraksha Bima Yojana (PMSBY): Eligibility, Benefits, Application & Requirements
₹2 Lakh accident insurance cover for death and permanent disability at a nominal annual premium of just ₹20.
Quick Facts & Program Summary
What Is PMSBY?
Key Benefits & Support Allotments
Officially published financial and in-kind allotments provided under PMSBY.
| Benefit Provision | Category | Frequency | Statutory Allotment | Conditions & Limits |
|---|---|---|---|---|
| Accidental Death CoverAccidental Death Cover | Accident Insurance | One-Time Claim Settlement | ₹2,00,000 paid to designated nominee | Must maintain active qualifying status and complete scheduled re-certifications. |
| Total Irrecoverable Loss of Both Eyes/Hands/FeetTotal Irrecoverable Loss of Both Eyes/Hands/Feet | Disability Insurance | One-Time Claim Settlement | ₹2,00,000 | Must maintain active qualifying status and complete scheduled re-certifications. |
| Total Loss of One Eye/Hand/FootTotal Loss of One Eye/Hand/Foot | Partial Disability Insurance | One-Time Claim Settlement | ₹1,00,000 | Must maintain active qualifying status and complete scheduled re-certifications. |
Eligibility Criteria Matrix
Detailed statutory requirements evaluated during official application screening.
| Factor | Rule / Requirement | Threshold | Status | Authoritative Source |
|---|---|---|---|---|
| AGE RANGE | Age Range must be BETWEEN 18 to 70 years of age | 18 to 70 years of age | Mandatory | Jan Suraksha Official Portal |
| BANK ACCOUNT | Bank Account must be EQUALS Holds an active savings bank or post office account with auto-debit consent | Holds an active savings bank or post office account with auto-debit consent | Mandatory | Jan Suraksha Official Portal |
| AADHAAR CARD | Aadhaar Card must be EQUALS Aadhaar is the primary KYC document for the bank account | Aadhaar is the primary KYC document for the bank account | Mandatory | Jan Suraksha Official Portal |
Interactive Pre-Eligibility Screening Tool
Self-service evaluation tool to estimate potential program qualification before official submission.
Application & Verification Workflow
Visual roadmap of the complete citizen application lifecycle.
Check Eligibility
Verify household income and document criteria
Gather Documents
Collect proofs of identity, residency, and earnings
Official Portal Filing
Submit application form online or at local welfare desk
Agency Review
Caseworker audits documentation and cross-checks databases
Notice of Decision
Receive written approval letter and disbursement schedule
Periodic Recertification
Submit updated income proof every 6–12 months
How to Apply: Complete Step-by-Step Instructions
Follow these verified procedural steps to submit your application accurately.
Submit Consent Form to Bank
OnlineVisit your bank branch, log into net banking, or send an SMS consent for PMSBY enrollment.
Automatic Premium Deduction
Online₹20 is debited automatically every year between May 25 and May 31.
Required Documents Checklist & Readiness Tool
Verify document readiness to ensure a complete, delay-free application submission.
Identity proof and KYC
Consent form for annual ₹20 auto-debit in May
* Note: The readiness meter indicates document organization completeness and does not guarantee official approval.
Recertification & Denial Appeal Rights
Guidance on maintaining continuous benefits and exercising legal review rights.
Renewal Cycle: Every 6 to 12 months
Beneficiaries are notified 30–60 days prior to benefit expiration. Timely re-verification of earnings and household composition guarantees uninterrupted assistance.
Right to a Fair Hearing
If your application is denied or benefit amount is reduced, you have the statutory right to request a Fair Hearing or administrative appeal within 90 days of the decision notice date. Contact your local office caseworker or legal aid society for assistance.
Recent Policy Updates & Program Amendments
Verified legislative and administrative amendments tracked by our Change Intelligence Engine.
Annual statutory threshold revision adjusting maximum benefit allotments to reflect regional cost of living indices.
Source: Jan Suraksha Official PortalStreamlined online document upload enabled across official portal gateways for faster case processing.
Source: Official Department ReleaseFrequently Asked Questions
Common questions regarding eligibility, documentation, processing times, and appeals.
Official Sources & Gazette Citations
Verify program guidelines and legal mandates directly from authentic sovereign sources.
Yojana Eligibility is an independent civic discovery platform and is not operated by, affiliated with, or endorsed by sovereign government authorities. All tools, estimates, and pre-checks provided are informational. Official eligibility determination and disbursements are executed strictly by the responsible government authority upon verified application review.
Ready to Apply?
Proceed directly to the government department's authenticated website.