Pradhan Mantri Suraksha Bima Yojana (PMSBY) – Insurance Sirf Ek Rupay Mein – Rs. 12 a Year Accidental Death & Disability Cover

This post is written by Shiv Kukreja, who is a Certified Financial Planner and runs a financial planning firm, Ojas Capital in Delhi/NCR. He can be reached at

“Insurance sirf ek rupay mein – Aisa Kaise?” The boy asks his father and the father’s response makes his daughter emotional. You must have watched this commercial on your TV sets many a times this week as the government has launched its Jan Suraksha initiative very aggessively.

Prime Minister Mr. Narendra Modi is in Kolkata today and will be launching Pradhan Mantri Suraksha Bima Yojana (PMSBY), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY) from there. These schemes are targeted to provide social security benefits to a large percentage of the low income earning population in India.

Pradhan Mantri Suraksha Bima Yojana (PMSBY)

Policy Coverage – The scheme offers to provide you or your family a cover of up to Rs. 2 lacs in case of any mishappening, resulting into death or disability of the insured. In case of death or full disability, you or your family will get Rs. 2 lacs and in case of partial disability, you will get Rs. 1 lac. Full disability means loss of both eyes or both legs or both hands, whereas partial disability means loss of one eye or one leg or one hand.


Age of the Insured – Savings bank account holders aged between 18 years and 70 years are eligible to apply for this scheme. People aged more than 70 years will not be able to get the benefits of this scheme.

Premium Amount – It costs you just Rs. 12 in annual premium for having an accidental death or disability cover of Rs. 2 lacs under this scheme. It works out to be just Re. 1 a month, which is extraordinarily low. Again, your age has nothing to do with the premium payable for your insurance cover under this scheme as the premium is fixed at Rs. 12 for a cover of Rs. 2 lacs.

Period of Insurance – You will remain insured for a period of one year from June 1, 2015 to May 31, 2016. Next year onwards as well, the risk cover period will remain to be June 1 to May 31.

Administrators for PMSBY – The scheme would be offered / administered by many of the general insurance companies, both in the public sector as well as in the private sector. Participating banks will be free to engage any such general insurance company for implementing the scheme for their subscribers. National Insurance Company Limited, Oriental Insurance Company Limited and ICICI Lombard are some of the companies which would be offering this scheme.

Auto Debit Facility – You will be required to provide your consent for auto debit of Rs. 12 as the annual premium from any one of your bank accounts at the time of enrolling for this scheme. This premium of Rs. 12 will get deducted from your savings bank account through auto debit facility every year between May 25 and June 1.

Last Date for Enrolment – May 31, 2015 is the last date for getting enrolled for this scheme, but the government has given an extension of three months up to August 31, 2015 for us to get enrolled and give auto-debit consent for this scheme. This enrolment period may be extended by the government for another period of three months, up to November 30, 2015.

Those joining this scheme subsequent to May 31, 2015 will have to pay the full year’s premium of Rs. 12 and agree to specified terms of this scheme.

Toll-Free Numbers – 1800 110 001 / 1800 180 1111 – These two are the National Toll-Free Numbers for this scheme. You can check the state-wise toll-free numbers from this link – State-Wise Toll Free Numbers

Service Tax Exempt – Yes, Finance Minister Mr. Arun Jaitley has proposed to exempt this scheme from service tax. So, you will not be charged any service tax on the premium payable.

Know Your Customer (KYC) – Aadhaar Card issued by the UIDAI will be the primary requirement for your KYC under this scheme.

Application Form – Here you have the link to the application form for you to enroll yourself for this scheme – Application Form for PMSBY

Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)

Age of the Insured – Bank account holders aged between 18 and 50 years are eligible to apply for this scheme. So, if you are aged more than 50 years, you are not eligible to enroll yourself for this scheme. But, once enrolled, you can continue with this scheme till you attain the age of 55 years.

Premium Amount – Less than Re. 1 a day or an annual premium of Rs. 330 is what you need to pay to get a life cover of Rs. 2 lacs. No matter what your age is, the premium is fixed at Rs. 330 for a life cover of Rs. 2 lacs. This annual premium of Rs. 330 has been fixed for the first three years from June 1, 2015 to May 31, 2018, after which it will again be reviewed based on the insurers’ annual claims experience.

Period of Insurance – June 1st, 2015 to May 31st, 2016 is the period for which this scheme will cover all kind of risks to your life in the first year of operation. Next year onwards as well, the risk cover period will remain June 1 to May 31.

LIC as the Administrator – The scheme would be offered / administered by the Life Insurance Corporation (LIC) and other life insurance companies like SBI, ICICI etc. through their tie ups with the interested banks like SBI, ICICI, Canara Bank etc. Participating banks are free to engage any such life insurance company for implementing this scheme for their subscribers.

Auto Debit Facility – Annual premium of Rs. 330 will get deducted from your savings bank account through auto debit facility. You will have to give your consent for auto debit of premium from any one of your bank accounts at the time of enrolling for this scheme.

Last Date for Enrolment – May 31, 2015 is the last date for getting enrolled for this scheme, but the government has given an extension of three months up to August 31, 2015 for us to get enrolled and give auto-debit consent for this scheme. This enrolment period may be extended by the government for another period of three months, up to November 30, 2015.

Those joining this scheme subsequent to May 31, 2015 will have to pay the full year’s premium of Rs. 330 and submit a self-certificate of good health in the prescribed proforma.

Toll-Free Numbers – 1800 110 001 / 1800 180 1111 – These two are the National Toll-Free Numbers for this scheme. You can check the state-wise toll-free numbers from this link – State-Wise Toll Free Numbers

Service Tax Exempt – Finance Minister Mr. Arun Jaitley has proposed to exempt this scheme from service tax. So, you will not be charged any service tax on the premium payable.

Know Your Customer (KYC) – Aadhaar Card issued by the UIDAI will be the primary requirement for your KYC under this scheme.

Application Form – Here you have the link to the application form for you to enroll yourself for this scheme – Application Form for PMJJBY

I covered Pradhan Mantri Jeevan Jyoti Bima Yojana yesterday, a scheme which provides life insurance cover of Rs. 2 lacs to its subscribers for an annual premium of only Rs. 330. I think both these schemes are quite attractive and provide a combined cover of Rs. 4 lacs for a premium of just Rs. 342, which works out to be less than Re. 1 a day.

In a country like India, where many members of a family are dependent on the primary earner’s income to survive and grow, I think these schemes would play a very important role in providing a much required social security comfort to the citizens of India. I think the government is doing a wonderful job in taking these initiatives to attract low income group people to get themselves covered against the risks of untimely death or accidental disabilities. I think you should definitely subscribe to both these schemes.

Application Form for PMSBY

313 thoughts on “Pradhan Mantri Suraksha Bima Yojana (PMSBY) – Insurance Sirf Ek Rupay Mein – Rs. 12 a Year Accidental Death & Disability Cover

  1. One of the terms say, “Policy shall not be issued if nominee details are not provided in SMS / available in SB account.”. Does that mean that the nominee details should be present in my bank accounts also?
    How can we simply nominate anyone with just a name without specifying any other details like DOB or relationship?
    What if I enrol myself from both my bank accounts (SBI & ICICI)?

    1. Hi Alex,
      1. As it is an insurance contract, it is mandatory to provide the nominee’s details, as all the benefits will be payable to the nominee in the policy holder’s absence. So, you need to mention the name & address of the nominee along with your relationship with him/her in the Consent-cum-Declaration Form.

      So, if you do not provide nominee details in the form or if it is not available in your bank details, the insurance company will not be able to settle the claim once raised. Hence, in the absence of the nominee’s details, the insurance company will not be able to issue you the policy.

      2. It is not allowed to get yourself enrolled with two different banks. In case the same is found to exist, premium shall stand forfeited and no claims would be paid.

    2. All bank accounts have already the records of nominees, if anything is to be corrected you need to change it in your respective banks accordingly..

      I think a person is eligible to take these one policies in your name as they are asking you to submit the kyc..

      Moreover we need to be smart to avail the scheme.. Not to be over smart.. Where no other govt provided the schemes like this..

  2. Do these schemes actually work. If something bad happens how easy will it be to claim the insurance amount? Or we have to keep running for this document, that photocopy and give some chai-paani. The process will be difficult for low income groups, whom this scheme seems to target.

    1. Hi Manas,
      Though there is no history of claim settlements for these schemes, I hope nothing of this sort happens. I strongly believe a country is how its people are. Some new initiatives have been taken by this government in the positive direction, so we should think positive and contribute in the development of our country.

  3. In case if a person has already loss his eye during his early years than how the clause will be useful”
    “of Total and irrecoverable loss of sight of one eye or loss of use of one hand or foot sum insured will be Rs 1 lakh.’
    Can he claim it after 45 days of policy..

    1. Hi Rahul,
      Though I am not sure, I think this policy will cover the accidental damage which occurs during the policy tenure i.e. between June 1, 2015 and May 31, 2016. So, in this case, I think you’ll get benefits of a partial disability i.e. Rs. 1 lakh.

      1. Thanks for a Reply.

        One more thing we do have heard about insurance covered on debit card, 5 lac cover if debit card swiped in last 2-3 months. In that case can some one claim on both i.e debit card insurance cover and PMSBY.

      2. My father expired in road accident on 14/Feb 2017 , I gave all belonging documents to my bankers to clamp amount approx 2 months back.
        Yet I have not receive amount nor I’m getting any information from bankers.
        What is exactly processor to clamp ??
        How much time does department take to release insurance amount.

  4. Will these both insurance products remain valid if the insured person is affected at a foreign land?
    To whom should one run after for the claim?

    1. Not sure, but I think both these policies would cover the insured person while he/she is outside India. You need to approach the bank and the insurance company for claiming the sum assured.

  5. Sir, Can I apply for all 3 yojana such as Suraksha bima yojana, jeevan jyoti bima yojana & Atal pension yojana at a time? Sir, Can a Government servant apply for all these three yojana?

  6. I have heard that if i have already cover under other insurance (not under these schemes), then eligible for these schemes?

  7. sir. i am from punjab i have already account in pnb bank.
    can i PMJJBY buy online. plz let me know if i can get this plan online

  8. Hi,
    Pls let me know, in the life insurance they have a clause that it will continue to be valid till one reaches 55years of the age, does this mean after 55 years of age the life insurance will automatically get discontinued?
    If it gets discontinued do we get the maturity amount with interest that we have paid per annum.
    Also let me know if there is a maturity period other than death?



    1. Hi,
      1. Coverage under PMJJBY (life insurance) will be provided only till the age of 55 years. So, after 55 years of age, your life insurance agreement will automatically cease. However, PMSBY is valid till 70 years of age.
      2. Nothing will be paid back to you as the maturity amount or principal premium amount with interest.
      3. There is no maturity period other than death.

  9. i have made PMSBY application through my internet banking login, Now from social security schemes tab, it was showing the status
    One item found.1
    Reference number: 1200451299
    Scheme Name :Pradhan Mantri Suraksha Bima Yojana (PMSBY) Bank Name: State Bank of India
    Branch Code: A0174
    i didnt sure i was with this scheme now because money also was not debited from me. may i know whats it status? am i with this scheme or i have to register again for this?

  10. Hi, My name is Firoz
    In (PMSBY) I want to know about documents required at the time of claim to prove that it was an accident. who will be the intermediary to helps us in settlement of the claim from the insurance company. How our claim will be reimbursed (fund transfer). Wheatre politicians are allowed to take (PMSBY) policy.

    1. Hi Firoz,
      I do not have any information regarding claim settlement procedure as yet. Also, I don’t find any reason why politicians would be barred from taking PMSBY policy.

  11. Hi,

    I am currently located in USA and will be here for a few more months.How can I activate the PMSBY and PMJJBY schemes? I have an account in ICICI bank.

  12. Hi,

    I am currently insured with LIC in endowment plans as well as TERM plan. Still i want to take this insurance under PMJJY. Tomorrow if i die i will get sum assured from LIC as well as PMJJY right? Or only one policy provider? Pls clarify.

  13. Dear Mandy,
    There r two different plan.U can take both or either any one.
    One is life insurance cover another only accident related.

  14. Dear Sir,
    In both schemes PMJJBY & PMSBJ, how nominees will claims and what documents will require after death/dismissed of subscriber.
    Please explain….?

    1. Hi Tako,
      Nominees will file their insurance claims in a similar manner as it is in all other insurance policies. Death/disability certificate along with the certificate of insurance will be required to be submitted.

  15. If i have an lic policy n on my death can i claim this insurance money from lic n this pmjjby policy together…..or any one of them nly will be eligible

    Thanks in advance

  16. 1) I have a joint account in name of me and my wife. should both of us entitled for PMSBY & PMGGBY from same (joint) account?

    2) Should i subscribe these scheme through online?

  17. Sir, I want to purchase Pradhan Mantri Suraksha Bima Yojana (PMSBY)for our workers/ labour…and when I read the scheme offered by the government, I noticed that there is no definition to the word “Accident”. Please confirm whether the word “Accident” incudes only road accident or any other accident as well? Like any mishap during work in office or natural calamity eg. earthquake…if yes, please share the link or any document as confirmation for the same by the government, if any.

    1. Hi Manuj,
      ‘Accident’ covers different types of accidents like road, rail accidents, accidents due to natural calamities and arising out of terrorism / terrorist acts. As of now, there is no such document available for PMSBY, but here you have the link to one such policy from National Insurance –

  18. hello sir,

    me 2 years se NPS contribution kar raha hu. me ye jaan na chahta hu ki kya ye NPS yojana 1-6-2015 se Atal Pension Yojana me convert ho rahi he?

  19. Respected sir,
    I heard that if i have alredy insured myself from anyother insurance service provider than i am not eligibile for this both scheme is it true ???

  20. Respected sir,
    i want to know about pension scheme what are its benefits and process to enroll ??? My age is 24 years

  21. Can we open pradhan mantri suraksha bima yojana in my both accounts of canara bank and punjab & sind bank..??

    1. Hi Suryaba,
      Canara Bank has not started the SMS services for getting enrolled for these schemes. This is the response I got when I called them today on 1800 425 0018.

  22. as per this scheme, nowhere mention about the claim procedure i .e. where to lodge a claim? what are the docs required? time limit of claim settlement? from where to download a claim form? is it directly credited to sb a/c.?

    in our country where still people are illiterate, then main question is arise how they will take the benefit of this policy for whom such scheme is launched by govt.

    1. Hi Daxesh,
      I think the claim form is available on most of the bank websites and branches. Please contact the bank officials for further details. Moreover, the scheme is getting started w.e.f. June 1, so there is still a lot of time for the banks to get the details and provide its customers with the same.

  23. Dear Sir,
    as per this scheme, nowhere mention about the claim procedure i .e. where to lodge a claim? what are the docs required? time limit of claim settlement? from where to download a claim form? is it directly credited to SBI a/c.?

  24. Dear Sir,

    I have two-three queries,please clarify.
    1)in my family there are 4 member and all are having account in different different banks so can i fill suraksha bima form for all persons.
    2) i have filled form for me but need information that where i need to submit this form.

    Please clarify?

    Neelam Bani

  25. Sir
    I also personally found these schemes to b very attractive, but the bankers had not issued me any receipt for the insurance.
    I m quite worried for that

    Please guide me what to do.

    1. Most banks are asking their customers to get the receipt collected on or after 1st June. So, you should not worry about that. Once the premium gets deducted, it is a proof that you have subscribed to these schemes.

  26. Hi Shiv

    In the Pradhan Mantri Jeevan Jyoti Bima Yojana , If we are still alive after 55 years cover, will we get the 2 lakhs if we are still alive after 55 years , One of friend in bank Opened this scheme and was told he will get it once complete 55 yrs

  27. Dear sir/madam if in insurance period no any accident is happen so balance is refundable or not after complete of period date

  28. Just I want to confirm if I have already any other general insurance like lic, max company policy then this pradhan mantri jeevan jyot bima yojna also payable claim or not.

    Can we received claim from both lic and pradhan mantri jeevan jyot yojna?

  29. Respected Sir. Please send me the Indian overseas Bank link for online enrolment of insurance. I searched but I couldn’t find.

  30. Dear Sir,
    I have an ICICI Lombard Accident Insurance Policy of Rs.5 lakhs. If I take PMSBY of Rs.2 lacs then can I claim from both policies if I meet an accident and the medical cost is Rs.9 lakhs?

    1. Hi Dhaval,
      PMSBY covers only accidental death and disability (partial/full). In case of any such unfortunate event, you or your family will get insurance cover under both your policies, ICICI Lombard as well as PMSBY.

  31. sir mera account sbi hathars up me or me present time ajmer me yha ki kisi bhi branch me pmJjby ka from sumbit kar sakta hoo

  32. Sir
    I have applied for PMSBY through online banking(Axis Bank). my question is will they give(Axis bank) any certificate Or document for this?

    1. Hi Nanjundaswamy,
      Not sure about it, but I don’t think they will give any certificate for the same. You will be provided with some kind of e-Acknowledgement and that will work as your Certificate of Insurance as well.

  33. Sir, I have submitted PMJJY and PMJSY applications through SBI online, but I want to check (view) my application again to edit. I have a doubt that I have entered my nominee’s DOB wrong, how would I change it. Applications submitted but amount not deducted from my account.

    Thank you

  34. Hi,
    I have registered through SBI net banking. However, in the final form the email ID was seen as blank. So how will I get the policy details if they don’t have my email id registered?

    Also, can I register to PMBSY by sending an SMS to SBI?

    1. Hi Dhaval,
      I have no idea how SBI is going to confirm the receipt of your application, I think they would send an SMS to you once your application is processed & premium gets debited. Also, SMS facility must be there with SBI, but I don’t know the format of the SMS to be sent.

  35. I want to take both plan for my son. He is studying …so time doesn’t suit to bank time…we can apply through sms? Please give me detail where to sms?

  36. Hi Sir,
    I am working in Private company & I have EPF account. can I take the Aatal Pension scheme because in APS instruction that this policy for unstructured income people/ poor people.
    secondary, can I open the both PMSBY & Jiven jyoti scheme online through SBI Net banking.

    1. Hi Gopal,
      Every citizen of India can open APY account. But, as you are already covered under EPF, you won’t get the government contribution of up to Rs. 1,000 per annum. Moreover, yes, you can get both PMJJBY & PMSBY opened through SBI net banking.

  37. I need information like I have two bank account. To enroll this PMSBY I text in PNB and got the request ref no. and to enroll the same policy in icici I put a service request online and got the policy no.

    After that I came to know this schema we can have only in one bank. then what is the procedure to cancel PNB request online.

  38. If in insurance policy …crosses the insurance age !

    Will he be refunded ?

    And what is insurance age ?

  39. I registered for PMSBY & PMJJBY both online. The amount has been deducted from my account also. Now how can i get my receipt against both the security schemes. I should have proof of having the schemes other than the bank account statement showing the debited amount against the scheme. Please help!

    1. Hi Rita,
      With HDFC Bank, you can subscribe to these schemes through Net Banking as well as by sending an SMS.
      PMJJBY – To subscribe, you need to SMS PMJJBY Y to 5676712 from your registered mobile number.
      PMSBY – To subscribe, you need to SMS PMSBY
      Y to 5676712 from your registered mobile number.

  40. Hi sir,
    Can i submit my application form online
    Because i am live in other place and my account my hometown

    So please guide me

  41. i already registeted my sister name. before two days back now she got accident can plz reply me now its appplicable

    1. Coverage under this scheme starts from June 1, 2015. So, I don’t think your sister can claim this amount for an accident before June 1. But, you can still check it with the bank/insurance company.

  42. how can i check confirm pradhanmantri yojana form.i have submitted form in icici bank through and toll free no of maharashta state

  43. Sir,
    I have sended you message to register me for PMJJBY,PMSBY but still I dont get any confirmation how can know either my request is recieved or not.

  44. Sir can u pls let me know what are the documents required to be submitted in the bank for registration urder this scheme

  45. I have registered online for PMSBY. My question is what is the definition of ACCIDENT under this scheme. Is all types of accidents (fire, road, earthquake, fall from height, drowning- all unnatural deaths) covered under PMSBY.

  46. Hi Shiv,

    I want know number for sms register or how can i do register through online banking for ICICI BANK.

  47. After any incident, for insurance claim, I ll have to contact my bank ICICI or some insurance company ??
    Please name the companies if any, providing these insurances.

  48. Sir ,
    Am a we received many forms thinking today as the last date.. In our DC they said like till tmrw mrng 11am only we can do entries,But now I came to know till august we have got time.. So can I make later also?

    1. Yes Ravindar, one can subscribe to these schemes till August 31, 2015 for the current insurance period i.e. June 1, 2015 to May 31, 2015. But, there are certain conditions which one needs to fulfil subsequent to May 31, 2015.

  49. Hi in case I have an accident policy and life policy in other companies then also I can cilam in the amount in both the policy ie. In other inuances company and in pmjjvy

  50. hi ..!! wats d procedure fr d application could you help me out with this..??
    & how to apply ..??
    n is this scheme applicable to all banks..??

    1. Hi Ganapathi,
      You can apply for this scheme online through net banking or by visiting your bank or by SMS. This scheme is available with most of the banks, if not all.

  51. Sir, can I apply both PMJJY and PMJSY policy through SBI net banking after 1 June 2015. because many bank has pasted information in their bank that last date of registration for both scheme is 31st May 2015.

  52. hi,
    I had registered for Both beema & accident insurance & got debit of 342.00. On 2nd of this month I met with road accident with 100 % fractured leg bone then treated with implanted rod
    , I want to get clarified weather I get 1 lakh compensate on this?

    1. Hi Prasad,
      You need to confirm it with the insurance company or the bank whether 100% fractured leg bone with implanted rod is covered under loss of one limb or not.

  53. Can a person who have insurance policy holder other than PMSBY or PMJJBY is eligible for PMSBY & PMJJBY cause there is no statement in rules or terms and conditions of the schene

  54. I m in army and I want to know that are we ppl from army can also apply for both these schemes. If yes Pl guide us. How to go about it. Thanks and regards. Also Pl tell me the basic difference in both the scheme.

    1. Yes Amit, army personnel are also eligible for these schemes. You can visit any of your bank branches and apply for these schemes. PMJJBY is a term insurance plan with Rs. 2 lakh life cover for a premium of Rs. 330, while PMSBY is an accidental disability & death insurance scheme of Rs. 2 lakh for a premium of Rs. 12.

  55. Good morning.As an employer of small business, can I pay for these policies for my staff? If then, what is the procedure please? Thanks.

    1. Hi Tanny,
      Each of your staff needs to have a savings bank account and this schemes needs to be linked to that account. You can provide the cash benefit to your staff for the premium paid.

  56. Hi
    i open my policy with Kotak Mahindra Bank

    but my queary is What is the policy number how get it to me.

    send info in mai.

    1. Hi Kiran,
      It is a master policy in which each account holder, who subscribes to this scheme, is a beneficiary. You need to check the master policy no. with your bank.

  57. I have also registered for PMSBY & PMJJBY both. The amount has been deducted from my account immediately.
    Now how can I get my receipts & original Policy documents against both the security schemes.
    I must have proof of having these schemes other than the bank account statement showing the debited amount against these schemes.
    Please help immediately!

    1. Rs. 12 per year scheme is PMSBY, which is an accidental death & disability scheme. Rs. 330 per year scheme is PMJJBY, which is a life insurance scheme & covers death due to any reason.

  58. Already I’m having LIC policies. Suppose if i take these policies, will i get benefits from both the sources? kindly clarify.

  59. Is there any return after maturity for PMJJBY in case no event of subscriber death?
    What if one get a government job after taking ATAL PENSION YOJANA?

  60. Sir ,

    the pm’s
    Scheme of rs 12/year
    exidental insurance.
    And 330 sss
    Jivan jyoti bimas
    samples of filled formare avlbl here.. cn yu pls snd me by mail
    aftr filleng these
    Cn bank gv me any certificate or document relted this… …

    1. Hi Sankar,
      Every Indian Citizen is eligible for these schemes. So, if your age is within the limits, you are also eligible for all these schemes. However, being an NPS subscriber, you will not get the government co-contribution of up to Rs. 1,000 per annum.

  61. Can Bank deduct premium without consent of account holder. Can bank deduct premium even if the customer has not applied by filling form / online / sms /phone.

    What can be done if Bank has forcefully deducted the premium.

  62. If a person has give pmjjby pmsby application form along with debit mandate in may. Bank has give acknowledge ment slip of both to customer. But bank has debit only 12 rupee for pmsby in June and not debit 330 even lot of balance in account. Later customer is died of cancer now how can nominee claim because bank saying there is no debit for pmjjby. But he has acknowledge slip it is bank fault why nominee suffer. Please reply in my mail also most urgent sir

    1. Hi Sandeep,
      Firstly, you need to check the reason behind non-debit of premium. If it is bank’s mistake, then you can make an appeal in the banking ombudsman or even take the bank to the court of law.

  63. Dear Sir,

    If person availed other accidental and life insurance, is he eligible for PMSBY and PMJJBY? Because bank authorities says if you are already insured you can not avail the said schemes.
    As it is government subsidized scheme, is there any problem while claim settlement, as we possess other company’s insurance?

    1. Hi Siddharth,
      Bank authorities are misleading you. You can have other policies and still subscribe to these schemes. Moreover, I can’t predict whether there would be any problem with claim settlement or not.

  64. Dear Sir
    As per my knowledge APY is eligible for whom are not paying income tax. Then if somebody is not paying tax currently and started APY, in that case after some years if he came under tax paying slab (he need to pay income tax) than what happened?

    1. Hi Siddharth,
      A person, who is a tax payer, is not eligible for the government contribution. So, once you become a tax payer, the government would stop contributing to your account.

  65. Sir, I have got Savings Bank account with Central Bank of India. In an online form for PMSBY, one field to be filled is Date of Birth which shows “NULL” and their online software does not allow to fill up my correct Birth Date. Shall I ignore it and submit with filling other details? or it will cause me trouble in future? please advise.

  66. This schme was good but My mother age was 40 but aadhar card as wrong date of birth so how can apply for my mother

  67. Hello sir ,
    I am nakul singh and I have looking to apply for pmsby and pmjjy .I have an account with Pnb can I applied for it trough sms if yes then please provide me the procedure.

  68. Hi! I have a query on coverage. If there is a loss of one foot and one hand, will it be considered 100% disability and the claimant is entitled for ?2lacs as compensation??? None of the Public sector Insurance companies could reply without ambiguity. Please answer.

    1. Hi Maneesha,
      As per the wordings of the rules governing this scheme – “Total and irrecoverable loss of both eyes or loss of use of both hands or feet or loss of sight of one eye and loss of use of hand or foot” is covered under 100% disability. It seems from the language that a loss of one foot and one hand would be covered under partial disability and only Rs. 1 lakh would be paid. However, I think it should ideally be 100% disability.

  69. I got enrolled inPMSBY .I want to know will I be getting any Bond.What is the proof with insurance companies that I subscribed to this yojana .

  70. Namate
    Please clerify
    Accidental death means what…?
    Is only vehicle accident ? Or any kind of accidenatal death..?

  71. Hi sir i am living in dubai . I want to do both vima yojana. How can i do that? Is it limited time to open account or unlimited

  72. Dear sir what is the process to take the claim for 2 lac because my father was expire last mont (august) threw accident. Please tell me what are the document you need.

  73. I have sent messages as specified for PMSBY & PMJJBY today at about 12:30pm.When shall confirmation be recd? & is there any documentation proof to prove that I have participated in these schemes declared by our H’ble PM.

  74. sir,i applied for both pmsby and pmjjby from the cosmos co op bank ,but when i check online certificate of pmsby my date of birth is showing different…now what to do
    and also how can i check pmjjby certificate online

  75. sir
    our father passed away due to the accident but we realize after some few days that why we are not raise father death through accident he gone to the COMA stage and he died 19/09/2015 sir I am very poor condition please suggest me what can I do.
    sir one thing 3 party admit the hospital he was told to doctor this person is in drink alcohol but our father truly not taken but in discharge summary mention alcohol sir please advise me.

  76. Dear sir, How I can download my both policy which are introduced by pradhan mantri? Please give site of sbi bank & DENA bank.
    Thanks for reply in advance……

  77. Hi Sir,
    My dad expired on 16th Oct 2015. He had a fall from the bike and he went into coma and did not gain conscious till his last breath. His legs and hands were paralyzed. Doctors say it could be stroke as he had a blood clot in his head. He was in ICU for almost 20 days and he passed away. He had taken the Rs.12/- insurance from AXIS Bank.
    Request you to please help us how to claim for the same. Please mail me the details.
    Thanks you in advance.

  78. PMSBY 12rs insurance policy joining invalid. nationalised bank officers and clerical staff’s told about of the bank customers disclose the insurance central government

  79. I check my policy details
    I fill on line form for pbyogna
    But I show my birth day is wrong mentioned In it.
    Now my questions is how to correct it in policy details.

  80. Sir,My Father has applied for this insurance but Now he died because of an Heart attack or heart fail at home .Can We Get the Money Of this insurance.plzzzZz help me sir we are at very poor condition.

  81. sir
    we had applied for this policy on 1st june 2015 for my brother.unfortunately he expired in a fatal car accident on 5th june and now when we asked for claim nobody is responding from insurance company letter side (oriential insurance)so plz tell me what we should do for claim. Moreover bank clerk sent too many letters to company but they seems careless about letters and nvr respond to a single letter

  82. Sir,
    My father had taken PMSBY policy in the month of June & in October he met with an accident and his one leg is broken. Can we claim for the policy???

  83. pmsby claim amount not deposited in my sbh bank account after completing the procedure of claim …. national ins. mumbai branch says your village bank branch name is not available in our system … 3 months has gone … no reply …. please give the solution … my policy no. 550100421510000014. bank a/c no. 62199384124 bank ref. no ; SBHSB20409201518700837279 MOB no. 7249487575

  84. sir,
    My policy No is PMSBY 1212421317. Ireceived sms that i have to pay premium of Rs 12 beor 31 May 2016. I had been to my bank, State Bank OF India to pay but they expressed their inability to accept as the scheme server is disabled and they are helpless.My be software is corrupted or so.
    what should I do.
    I do not have the policy document (even e policy). How to get the policy document.
    Please help
    T Narasimha Rao
    cell -91 94499 23936

  85. Hi, My father who had passed away couple of months back due to brain disorder had taken a PMSBY Policy.
    Is the claim valid only for Accidental death or of any kind?

  86. Can I open now pmsby 12rs
    Because in my last pmsby 12rs nominee name was incorrect so I have cancel this now I again to join this please help me.

  87. My PMSBY policy was done from State Bank of India Kamalgazi more Branch(code 18125) last year. This year on 29.5.2016 again Rs. 12/- has been debited from my account towards renewal without my consent. No policy number or any thing regarding the policy was advised to me last year. For this year also I am in dark about the where about of the policy.
    Please let me know where from I can get the policy details.

  88. this is the most useful and admirable post which really helped me to solve my problem.
    I have found so many useful link on your post page .
    Where ever I look I found an useful post. I am really thankful to the Admin of this page.
    I hope you will continue writing good quality post as you are writing now a days.
    Best of luck.

  89. Hi….What is the procedure to claim the insurance by the nominee if the applicant passed away in an accident….Can you please share the document details to be submitted….
    Thanks in advance….

  90. Respected Sir,Maine policiy Holdar hu.but maine he policiy Rajasthan Barmer District Me Nikali.SBI BRANCH ME To Sir Joe problem to Nehi Na,Mai Belong karte hu Maharashtra se. She ple advice kijiye. or Online Premium send karneka tarika bataeye.

  91. what is last date to apply for policy insurance ?
    is it only connect with Government bank or private too can apply for policy insurance ?

  92. Hi Sir,

    I have enrolled for PMJJBY today 30th Jun’17 but accidentally I selected pay now option twice and amount got deducted Twice. What is the process of de-registering the scheme to get a refund. I was informed that the scheme enrolments are closed on 31st May’17. How can I de-register and get a refund.

  93. Hi..
    This is to complain you that my father G Dasari Veerabhadraiah had passed away in an accident on November 21st 2016. My father had done this insurance in Co-operative bank of chittoor district Andhra Pradesh.I have applied for the insurance claim on 23rd December 2016 in the co-operative bank of palamaner branch 517408.still today the insurance claim had not been claimed.Every time I approach the Bank manager he is passing his days complaining on the insurance company.. What is the minimum notice period for claim. Is this how you treat the middle class family every day walking for the branches..Am really very fed up with this process.I Hope atleast you will reply to me and make it claim as soon as possible

  94. Hi.
    My mom made policy with both ?12/- and ?330/- .
    Now she is suffering from Hernia .
    Doctor advised to operation.
    So can my mom get insured money?

  95. Respected Sir/ Madam,

    I use SBI Internet Banking and i applied PMSBY before about 25 days but till date no any response to me. Acknowledgement not download, status says that Not Applicable. please tell me solution about it..

  96. I’m the consumer of tripura gramin bank and I was going to take policy pmsby and pmjjby. But I was not get any certificate of my policy. I want to know how can I get the certificate.

  97. I have also registered for PMSBY . The amount has been deducted from my account immediately.
    Now how can I get my receipts & original Policy documents against the security schemes.
    I must have proof of having these schemes other than the bank account statement showing the debited amount against these schemes.
    Please help immediately!

  98. helloo sir
    if no accident will occures with the bima holder , then the given money by us is valueless ??? so please make my doubt clear

  99. Sir,
    My sister Expired last Tueday in cardiac arrest with mild Mr and Ar will i able to get the claim.
    needless to mention she had suscribed both the Policy Rs. 12 anf Rs. 330 but we dont know whose name is in the nominee..

    Pls advice…

  100. Respected Sir/ Madam,
    i want to know i register 330 schema and i have payed Rs. 330 in 31-may-2016. and 31-may-2017 i have no sufficient balance so not pay amount. now what happen in 31-may-2018 ?? now i have sufficient balance.

  101. I met an accident and got partial disability in my one leg which is 21.39 peecent. Claim submitted under the said scheme(PMSBY) My claim rejected stating by insurance company that physical disability is partial in nature. Policy only covers the disability which is total and irrecoverable. I have seen mou done by the bank with insurance company. I have seen other circulars/letters/guidelines, no clear cut information or guideline(s) have been seen on partial disability. Hence, i have again written the concerned bank / insu. company to give me clear cut guidelines on partial disability with copy of xircular(s) I even request you to please snd me copy of circular or guidelines in this regard. Pl help

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