The annual premium of Pradhan Mantri Suraksha Bima Yojana is only Rs.12. The premium of this plan is telling the specialty of this plan. Under this insurance scheme, accident insurance will be done at an annual premium of Rs.12. This scheme is for people in the age group of 18 - 70 years. Under this scheme, if the insured person dies in an accident, or both eyes or both hands or both legs are damaged in the accident, he will get Rs 2 lakh. The mode of operation of this scheme is exactly the same as Pradhan Mantri Jeevan Jyoti Bima Yojana. Pradhan Mantri Suraksha Bima Yojana, it was announced by Finance Minister Arun Jaitley in his Annual Budget 2015-16 on 28 February 2015. There are a large number of people in India who do not have any kind of life insurance, for this Prime Minister Suraksha Bima has been started. Will. Keeping an eye on the success achieved in the Pradhan Mantri Jan Dhan Yojana, Finance Minister Arun Jaitley has taken forward the Pradhan Mantri Suraksha Bima Yojana with full enthusiasm. In future, Pradhan Mantri Suraksha Bima will be linked to the Pradhan Mantri Jan Dhan Yojana. So think carefully about this plan and then try to take it
What is Pradhan Mantri Suraksha Bima Yojana?
Pradhan Mantri Suraksha Bima Yojana is a type of accident insurance policy under which the sum insured can be claimed in the event of death or disability at the time of accident. Pradhan Mantri Suraksha Bima Yojana will be valid for 1 year, which will have to be renewed every one year. Under the Pradhan Mantri Suraksha Bima Yojana, a sum insured of Rs 2 lakh in case of death and total disability and Rs 1 lakh in case of partial disability will be given.
Eligibility for the scheme
A person in the age group of 18 to 70 years can join the Pradhan Mantri Suraksha Bima Yojana (Atal Suraksha Bima Yojana in Hindi). On joining the Pradhan Mantri Suraksha Bima Yojana, the holder will have to pay an amount of Rs 12 per year as premium.
Under the Pradhan Mantri Suraksha Bima Yojana, a person of 18 to 70 years can avail
It is necessary to have Aadhar card to join Pradhan Mantri Suraksha Bima Yojana.
If a subscriber has 1 or more savings accounts then they can join the scheme through any one savings account
how to get profit
After joining the Pradhan Mantri Suraksha Bima Yojana, an insurance cover of up to Rs 2 lakh is given.
(a) In case of accidental death: Rs 2 lakh to dependents
(b) On Permanent Disability: Rs. 2 lakh to dependents
(c) On partial disability: Rs 1 lakh to dependents
What is required for PMSBY
*Age should be between 18 years to 70 years for this scheme. Even after 70 years, the benefit of this scheme is not being received.
*To take advantage of this scheme, the applicant must have a bank account.
*The premium money is directly debited from the bank account.
*If there is no balance in the account, the policy will be cancelled.
*In case of closure of the bank account, the policy will terminate.
*If you have more than one bank account, then only one bank account can be linked to the scheme.
how to register
You can register in two ways
visiting your bank branch
You can apply for PMSBY policy by visiting any branch of the bank in which you have an account. You can download the form related to this scheme and submit it to the bank. ( Click Here to download the form)
For premium, you have to give an acceptance in the bank form that the premium amount is automatically deducted from your account. Bank friends are also going door to door delivering PMSBY. The insurance agent can also be contacted for this. Government insurance companies and many private insurance companies also sell this plan.
Government's contribution to the Prime Minister's Suraksha Bima Yojana
The decision for this scheme will be taken by the government every year and the insurance amount will be given by the Public Welfare Fund.
Tax facility on Pradhan Mantri Suraksha Bima Yojana
At present this scheme is tax free under 80C. If Rs 1 lakh is being paid under the insurance policy but Form 15G or Form 15H has not been submitted then 2% TDS will be deducted from the total income.
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