PM Suraksha Bima Yojana 2025 ek Government accidental insurance scheme hai jisme sirf ₹12 premium me ₹2 lakh tak ka accident insurance milta hai. Is article me eligibility, benefits, documents, premium details aur online apply process step-by-step jane.
Introduction
The PM Suraksha Bima Yojana 2025 is one of the most helpful government insurance schemes for people who want low-cost accident insurance. Many families in India cannot afford expensive private insurance. To support these families, the Government of India launched this scheme with a very small premium of just ₹12 per year. In return, a person gets accident insurance coverage of up to ₹2 lakh.
In this article, we will explain what the scheme is, who can apply, how it works, what benefits it offers, and how you can apply online or offline.
Also read: PM SVANidhi Yojana 2025: Loan, Eligibility & Apply Online Guide.
What is PM Suraksha Bima Yojana 2025?
PM Suraksha Bima Yojana 2025 (PMSBY) is a government-backed accident insurance scheme launched to provide affordable financial protection to people. It offers insurance against accidental death or disability. The aim of this scheme is to make sure every citizen can get accident insurance without spending a lot of money.
The scheme is linked to a bank account, and the premium is auto-debited once every year.
Why is PM Suraksha Bima Yojana 2025 Important?
Accidents can happen anytime—on the road, at home, or at work. Many families face financial problems after such incidents. This scheme helps families get financial support quickly so they can manage medical or household needs.
Because the premium is extremely low, almost everyone can afford it.
Key Features of PM Suraksha Bima Yojana 2025
The scheme has simple rules and offers useful benefits. Below are the major features:
1. Very Low Premium
You only have to pay ₹12 per year. This is one of the lowest insurance premiums in India. The amount is deducted directly from your bank account.
2. High Insurance Coverage
The scheme provides:
- ₹2,00,000 for accidental death
- ₹2,00,000 for total permanent disability
- ₹1,00,000 for partial permanent disability
This amount is enough to give financial support to the insured person’s family.
3. Easy Enrollment
You can apply through any bank, post office, or using online banking apps like SBI, HDFC, PNB, Axis, and others. The process is simple and takes only a few minutes.
4. Auto Renewal Facility
Once you join, your plan is renewed every year automatically unless you stop it. This helps people who forget premium payments.
Eligibility for PM Suraksha Bima Yojana 2025
To join the scheme, you need to meet some basic conditions:
1. Age Limit
The applicant must be between 18 and 70 years old.
People above 70 years cannot join the scheme.
2. Bank Account
You must have a savings bank account or Jan Dhan account. The premium is deducted from this account.
3. Consent for Auto-Debit
The applicant must agree to auto-debit of the yearly premium.
Who Should Apply for PM Suraksha Bima Yojana 2025?
This scheme is ideal for:
- Students
- Daily wage workers
- Farmers
- Laborers
- Employees
- Self-employed people
- Small business owners
- Any person who wants low-cost insurance
Even if you already have another insurance plan, PMSBY can give extra protection.
You can also visit the official PMSBY website to check government guidelines and application details:
Benefits of PM Suraksha Bima Yojana 2025
1. Financial Security for Family
If the insured person dies in an accident, the family receives ₹2 lakh. This helps them handle expenses and survive difficult times.
2. Disability Benefit
If a person becomes permanently disabled, their ability to work reduces. The scheme provides financial assistance to support them.
3. Nationwide Availability
Anyone from any state of India can join the scheme. It is available in both rural and urban areas.
4. Coverage for All Accidents
The scheme covers:
- Road accidents
- Train accidents
- Industrial accidents
- Falls
- Fire accidents
Any accidental incident that leads to death or disability is covered.
Documents Required for PM Suraksha Bima Yojana 2025
To join the scheme, you need:
- Aadhaar Card
- Bank Passbook
- Mobile Number
- Passport Size Photo
- Filled Application Form (if applying offline)
If applying online, no physical documents are required.
How to Apply for PM Suraksha Bima Yojana 2025
You can apply using two methods: Online and Offline.
Step 1: Log in to Internet Banking
Open your bank’s internet banking website or mobile app.
Step 2: Search for Insurance Schemes
Go to the “Insurance” or “Government Schemes” section.
Step 3: Choose PM Suraksha Bima Yojana 2025
Click on PMSBY.
Step 4: Enter Details
Fill in basic details like:
- Name
- Date of Birth
- Nominee Name
- Relationship with Nominee
Step 5: Confirm Auto-Debit
Allow the bank to auto-debit the premium.
Step 6: Submit
After submission, you’ll get a confirmation message.
Read the complete article on Garib Kalyan Yojana 2025 to understand benefits, eligibility, and how to apply online.
How to Apply Offline (Step-by-Step Guide)
Step 1: Visit Your Bank Branch
Take your Aadhaar Card and bank passbook.
Step 2: Ask for PMSBY Form
Fill out the form completely.
Step 3: Attach Photograph
Attach a passport-size photo if required.
Step 4: Submit
Submit the form to the bank officer.
Your scheme will be activated within a few days.
You can download all official PMSBY forms, including the application and claim forms, from the government portal here:
Premium Payment Rules for PM Suraksha Bima Yojana 2025
- The premium is ₹12 per year.
- Deducted automatically from your bank account between May and June.
- Your account must have a balance of at least ₹12.
Claim Process for PM Suraksha Bima Yojana 2025
In case of an accident:
Step 1: Inform the Bank
Contact the bank branch and report the accident.
Step 2: Fill Claim Form
Download or collect the claim form and fill it.
Step 3: Attach Required Documents
- FIR or accident report
- Death certificate (if applicable)
- Disability certificate (if applicable)
- Bank details of nominee
Step 4: Submit the Form
Submit the form to the bank or insurance company.
Step 5: Claim Settlement
The claim amount is sent to the nominee’s bank account within a few weeks.
Conclusion
The PM Suraksha Bima Yojana 2025 is one of the best and simplest insurance schemes for people who want affordable accident coverage. With just ₹12 per year, anyone can secure their family’s future. The process to apply is easy, the claim process is smooth, and the benefits are very helpful for low-income and middle-class families.
If you have not enrolled yet, this is the right time to join and protect your family financially.
Also Read: Pradhan Mantri Viksit Bharat Rozgar Yojana 2025 – Eligibility, Benefits & Registration Process.
Frequently Asked Questions (FAQ)
1. What is PM Suraksha Bima Yojana 2025?
It is a government accident insurance scheme offering ₹2 lakh coverage for a yearly premium of ₹12.
2. Who is eligible for this scheme?
Any Indian citizen aged 18–70 with a bank account is eligible.
3. Can I apply online?
Yes, you can apply through internet banking or mobile banking apps.
4. What happens if my bank account has no balance?
Your policy may get cancelled if the premium cannot be auto-debited.
5. Can I rejoin the scheme after cancellation?
Yes, you can re-enroll anytime by paying the premium.
6. Is natural death covered in PM Suraksha Bima Yojana 2025?
No. The scheme only covers accidental death and disability.
7. How much money does the nominee get?
The nominee gets ₹2 lakh in case of accidental death.