How to Apply for Suraksha Bima Yojana (PMSBY) Online

Understand the process of applying for Pradhan Mantri Suraksha Bima Yojana (PMSBY) with this comprehensive online guide.
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3 min
29-May-2024

Launched in 2015, the Pradhan Mantri Suraksha Bima Yojana (PMSBY) offers a one-year accidental death and disability cover, with the option for annual renewal. This social security initiative is administered through partnerships between public and private sector insurance companies, along with scheduled commercial banks, regional rural banks, and cooperative banks. The scheme aims to provide coverage for individuals experiencing permanent total or partial disability. PMSBY extends an opportunity to lower-income individuals to safeguard themselves against unforeseen incidents resulting in death or disability.

What is PM’s Suraksha Bima Yojana (PMSBY)?

The Pradhan Mantri Suraksha Bima Yojana (PMSBY) is a government-backed accident insurance scheme. It offers a one-year cover against accidental death and disability, renewable annually, to individuals aged 18-70 years. Administered through banks and insurance companies, it provides affordable insurance, particularly aimed at lower-income groups, with a minimal annual premium of Rs. 20.

Benefits of applying for PM's Suraksha Bima Yojana online

Applying for the Pradhan Mantri Suraksha Bima Yojana (PMSBY) online offers several advantages, making the process more accessible and convenient:

  • Convenience: Apply from anywhere at any time without the need to visit a bank or insurance office.
  • Quick process: Online applications are processed faster, ensuring quicker coverage activation.
  • Secure transactions: Enhanced security features protect your personal and financial information.
  • Easy documentation: Upload necessary documents digitally, reducing paperwork and simplifying the process.

Also, read: Benefits of health insurance

How to apply for Pradhan Mantri Suraksha Bima Yojana (PMSBY)?

You can enrol in the PMSBY by contacting an affiliated bank or insurance company. Additionally, the Pradhan Mantri Suraksha Bima Yojana (PMSBY) form can be downloaded from the government’s Jansuraksha website (jansuraksha.gov.in).

The form can be downloaded in multiple languages and the applicant can submit it to any affiliated bank or insurance company. You can download the application form in:

  • Bangla
  • English
  • Gujarati
  • Hindi
  • Kannada
  • Punjabi
  • Telugu

Read more: PMJAY online registration

Details to be filled in the PMSBY application form

You need to add the following details on the application form to complete the PMSBY apply online process:

  • Name of the Insurer
  • Name of bank account holder
  • Address of account holder
  • Name of district
  • PIN code
  • Bank/Post Office account number
  • IFSC code of the bank
  • Name of KYC document submitted
  • PAN number, if available
  • Aadhar number, if applicable
  • Email Id
  • Details of disability, if applicable
  • Nominee details

How to activate Suraksha Bima Yojana policy online?

The application can activate the policy online using the concerned bank’s net banking facility. Given below are the steps for the same:

Step 1: Visit the bank’s net banking website and login to your account.

Step 2: Click on the ‘Insurance’ tab on the homepage.

Step 3: Look for ‘Social Security Schemes’ in the drop-down and then select ‘Pradhan Mantri Suraksha Bima Yojana.’

Step 4: Select the account through which you wish to make the payment.

Step 5: Complete the payment and the process for account activation will be initiated.

Also, read: MJPJAY

How to active Suraksha Bima Yojana policy using SMS?

Apart from net banking, policy activation can also be done using SMS:

Step 1: Once you submit the application form, a confirmation message is sent to your registered mobile number.

Step 2: Subscribers must reply with 'PMSBY Y' to confirm and activate the scheme.

Step 3: After confirmation, subscribers get an acknowledgment message confirming their enrolment.

Step 4: The subscriber's bank handles the back-end processing, linking the PMSBY to their savings account.

Also, read: Pradhan Mantri Jan Arogya Yojana (PMJAY)

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Documents required - PM Suraksha Bima Yojana online apply

You need to keep a few details and documents handy when applying for Pradhan Mantri Suraksha Bima Yojana (PMSBY):

  • KYC document: The applicant needs to add PAN number or Aadhar number to the application form and also share a copy of an identity proof as a KYC document to the authorised bank or insurance company.
  • PAN/Aadhar details: If applicable, the applicant might have to add his or her PAN number or Aadhar card number to the application form.
  • Nominee details: The nominee’s name, address, date of birth, relationship with the applicant, and contact details are few of the information that needs to be added to the PMSBY registration form.

Also, read: ABHA card registration

Eligibility criteria for Pradhan Mantri Suraksha Bima Yojana

To avail the benefits of the PMSBY, certain eligibility criteria must be met. Here is a list of the requirements:

  • Age requirements: The minimum age to enroll in the scheme is 18 years, and the maximum age limit is 70 years.
  • Bank account: Applicants must have an active savings bank account.
  • Aadhaar integration: The savings bank account should be linked to the applicant’s Aadhaar card. If the Aadhaar details are not linked, a copy of the card must be submitted with the application.

Pradhan Mantri Suraksha Bima Yojana is a vital health insurance initiative providing affordable accident coverage to India's citizens. With minimal premiums, it ensures financial security and peace of mind, especially for the economically vulnerable. This scheme underscores the government's commitment to enhancing social welfare, making essential health insurance accessible to all, and fostering a safer, more secure society.

Frequently asked questions

Is the PMSBY application process complicated?

No, the PMSBY application process is simple and straight forward. All you need to do is fill in the application form and submit it your bank or insurance company, affiliated by the government under this scheme. The policy activation can be done using SMS or net banking.

Are there any age restrictions for applying online for PMSBY?

Yes, only people between the age of 18 and 70 years are eligible to apply for Pradhan Mantri Suraksha Bima Yojana.

What documents do I need to submit for the PMSBY online application?

The applicant needs to provide a KYC document, PAN card or Aadhar card details, and nominee details for PMSBY online application.

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