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  1. Home
  2. India Services
  3. Schemes
  4. PM Suraksha Bima Yojana
👷 Workers & informal sector🏥 Health & insurance

PM Suraksha Bima Yojana

Pradhan Mantri Suraksha Bima Yojana (PMSBY)

PMSBY is an accident insurance scheme offering cover for accidental death and disability at a very low annual premium, auto-debited from your bank account. It's aimed at giving affordable protection to a wide population.

Official portal · Ministry of Financewww.jansuraksha.gov.inVisit official site
Last updated 19 Jul 2026 Verified against Ministry of Finance Educational guide, not a government site — see our editorial policy.

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Benefits

  • Accidental death / disability cover
  • Very low yearly premium
  • Easy enrolment via your bank

Eligibility

  • Bank account holders aged 18–70
  • With auto-debit consent for the annual premium

Documents needed

Savings bank accountAadhaarConsent form for auto-debit

How to apply

  1. 1Contact your bank (or use its app/net-banking).
  2. 2Opt in to PMSBY and give auto-debit consent.
  3. 3The annual premium is auto-debited each year.
  4. 4Nominee can claim the cover in case of an accident.

Sponsored

Frequently asked questions

What does PMSBY cover?

It provides cover for accidental death and permanent disability, at a low annual premium auto-debited from your bank account.

Related schemes

PM Jeevan Jyoti Bima Yojana

Life insurance cover at an affordable yearly premium.

Jan Dhan Yojana

Zero-balance bank account with insurance and DBT access.

PM Ujjwala Yojana

Free LPG gas connection for women of low-income households.

PM Awas Yojana

Financial help to build or buy a pucca house.