Pradhan Mantri Suraksha Bima Yojana
Pradhan Mantri Suraksha Bima Yojana: At present, there are many insurance companies that provide all kinds of insurance, but for this, a person has to pay a hefty premium and not everyone is able to pay this premium. We all know how important insurance is for us, so for those people who cannot insure themselves, the government provides the benefit of insurance protection under the Pradhan Mantri Suraksha Bima Yojana, in which insurance payment is made in case of death or disability or complete disability of the person in case of an accident.
What is Pradhan Mantri Suraksha Bima Yojana?
This is a central government scheme, this scheme was started by PM Modi on 8 May 2015. In this, the government provides insurance of 2 lakhs to those poor families who cannot afford insurance on their own at an annual premium of only 12 rupees. To avail the benefits of this scheme, the person should have an active bank account from which the premium amount is automatically deducted on time. In this scheme, insurance cover is given to persons from 18 to 70 years and persons above 70 years are not insured.
Features of this schemes
Pradhan Mantri Suraksha Bima Yojana is an insurance plan offered at a cheap rate, which can be availed by citizens of all sections of the country. In this, the person should have an active account from which a premium of ₹ 12 is automatically deducted every year. For this, there should also be an auto debit facility in the beneficiary’s account. In this, if the insured person dies in an accident, then the family is given an insurance cover of ₹ 200000 as financial assistance and if the person becomes completely disabled, then an insurance amount of one lakh is given.
Benefits of the scheme
- The benefit of Pradhan Mantri Suraksha Bima Yojana will be given to all the poor families of the country.
- In this scheme, if the insured person dies after any accident, then his family gets financial assistance of ₹ 200000.
- In this, after getting the insurance, it is necessary for the person to get it renewed every year.
- In this scheme, only ₹ 12 premium has to be paid in a year, which is auto debited and is automatically deducted from your bank account.
- You can get this insurance through any public sector insurance company.
- Citizens between the ages of 18 to 17 years get the benefit of this scheme.
- Citizens above 70 years of age are not given the benefit of this scheme.
- In this scheme, the insurance amount is deducted by June 1, so you should maintain the amount in your account so that it is automatically detected on time.
- In this scheme, if the insured person is not able to pay the premium for any reason, then he can restart his scheme by paying his premium in future.
