In PM Suraksha Bima Yojana, you can get the benefit of insurance cover up to Rs 2 lakh by paying a premium of only Rs 12 annually. That is, to take advantage of this insurance scheme, you have to deposit only 12 rupees in a year, that is, if you calculate the month, then you will have to deposit only 1 rupee every month.
In today’s time, insurance cover is very important for everyone. In case of any kind of accident or emergency, the money received in the insurance cover is very useful for us. But still it is seen that very few people are able to take advantage of very important facility like insurance. This is because the premium amount in most insurance plans is very high.
Because of which the people belonging to the poor sections are deprived of availing the insurance cover. But the government is offering such an insurance scheme for the poor people, in which the premium amount is very less. The name of this scheme is Pradhan Mantri Suraksha Bima Yojana (PM Suraksha Bima Yojana) .
Insurance worth lakhs is available for just Rs 12
In the Pradhan Mantri Suraksha Bima Yojana, you can get the benefit of insurance cover up to Rs 2 lakh by paying a premium of only Rs 12 annually. That is, to take advantage of this insurance scheme, you have to deposit only 12 rupees in a year, that is, if you calculate the month, then you will have to deposit only 1 rupee every month.
Will get cover of lakhs in only 1 rupee a month
In this insurance scheme, if the insured dies in a road accident, then the nominee is given an insurance cover of Rs 2 lakh. At the same time, even if you are disabled in a road accident, you get a cover of Rs 1 lakh. Any adult Indian person can take advantage of this scheme. The maximum age limit to apply in the scheme is 70 years. Also, to take advantage of this scheme, it is also necessary to have a bank account. The premium amount is automatically deducted from the account through the facility of auto debit. Along with this, it is also necessary to have Aadhaar card, bank passbook and registered mobile number.
Claim will be received in this way
After the death of the insured, the nominee will have to fill the claim form by visiting the bank and insurance office. Along with this, the nominee will also have to submit the death certificate to the bank branch having the savings account of the policy holder. After this entire process, the claim amount will be transferred to the bank account.
What is the process to apply
To apply for Pradhan Mantri Suraksha Bima Yojana, you must first go to the official website of Jan Suraksha Yojana. After which the home page will open in front of you.
Then click on the form option on the home page. Now three options will appear in front of you. Out of these, click on Pradhan Mantri Suraksha Bima Yojana.
As soon as you click on the option, the options of application form and claim form will open in front of you. In those options, you have to click on the application form.
Now you have to download the Pradhan Mantri Suraksha Bima Yojana form in your language. After this, you have to fill all the information asked in the form like agency name, savings account number, your name, address, mobile number, Aadhaar number, date of birth, email, nominee’s name.
After this, attach all the necessary documents asked in the form. After filling all the information, you will have to submit the form by going to the bank having your savings account.
