PMSBY — annual accident-insurance information
Pradhan Mantri Suraksha Bima Yojana provides annual accident-insurance cover through participating banks and insurers. The official resource separates accidental death or total disability from specified partial disability and explains premium auto-debit. Use it to understand the cover before consenting. Existing banking access does not prove that enrolment or renewal has been completed.
- Authority
- Department of Financial Services, Ministry of Finance
- Coverage
- All India
- Current status
- Official reference portal. Check the authority for availability and conditions.
What this service provides
- Accident-cover information
- Eligibility and premium information
- Renewal guidance
₹2 lakh for covered accidental death or total disability; ₹1 lakh for specified partial disability, subject to policy and claim conditions.
Who can use this service
Eligible bank-account holders aged 18–70 who provide the required consent, subject to scheme conditions.
Documents and information
Eligible bank account Consent for premium auto-debit
Official fees / charges
Official annual premium shown by DFS: ₹20. Private assistance is separate; claims and renewals follow scheme terms.
How to use the portal
- Read the covered events and exclusions in the scheme terms.
- Contact the participating bank or insurer.
- Confirm consent, premium debit and current coverage.
Before you begin
Public official information was readable. Individual applications require the responsible authority or lender to assess the case.
Source and verification notes
Directory information checked on 8 October 2026. Verification method: direct-page. Public official information was readable. Individual applications require the responsible authority or lender to assess the case. Official evidence: https://financialservices.gov.in/pradhan-mantri-suraksha-bima-yojana-pmsby
Important links
A reference to a loan or business programme is not an approval or a promise of finance. Read the lender’s eligibility, interest, fees and repayment terms. The lender decides sanction and disbursement.
Need help with this service?
Private assistance starts from ₹200.00. Official fees are extra where applicable. We confirm the scope and final charge first.
Keep OTPs, passwords and PINs private. Some steps require your own authentication, a centre visit or an authority’s decision.