PMSBY
Pradhan Mantri Suraksha Bima Yojana is a government-backed accident insurance scheme in India. It was originally mentioned in the 2015 Budget speech by Finance Minister Late Arun Jaitley in February 2015.[1] It was formally launched by Prime Minister Narendra Modi on 8 May in Kolkata
Pradhan Mantri Suraksha Bima Yojana is available to people (Indian Resident or NRI) between 18 and 70 years of age with bank accounts. It has an annual premium of ₹12 (17¢ US) exclusive of taxes. The GST is exempted on Pradhan Mantri Suraksha Bima Yojana. The amount is automatically debited from the account. The accident insurance scheme can have one year cover from 1 June to 31 May and would be offered through banks and administered through public sector general insurance companies.[4]
In case of accidental death or full disability, the payment to the nominee will be ₹2 lakh (US$2,800) and in case of partial Permanent disability ₹1 lakh (US$1,400). Full disability has been defined as loss of use in both eyes, hands or feet. Partial Permanent disability has been defined as loss of use in one eye, hand or foot.[5][6] Further, death due to suicide, alcohol, drug abuse, etc. are not covered.
This scheme will be linked to the bank accounts opened under the Pradhan Mantri Jan Dhan Yojana scheme. Most of these account had zero balance initially. The government aims to reduce the number of such zero balance accounts by using this and related schemes.[7] Now all Bank account holders can avail this facility through their net-banking service facility at any time of the year
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