PM Suraksha Bima — Quick Overview
| Scheme Name | PM Suraksha Bima Yojana — ₹2 Lakh Accident Insurance |
| Launched By | Government of India |
| Launch Year | 2015 |
| Benefit | ₹2 lakh accident cover for only ₹20/year |
| Category | Finance |
| Last Verified | May 2026 |
| Official Portal | https://jansuraksha.gov.in |
What is PM Suraksha Bima?
PMSBY provides accidental death and disability insurance cover of ₹2 lakh for just ₹20 per year, renewable annually through bank auto-debit.
Under this scheme, eligible beneficiaries receive ₹2 lakh accident cover for only ₹20/year. The scheme was launched in 2015 and is implemented by the Government of India.
Benefits of PM Suraksha Bima
₹2 lakh accident cover for only ₹20/year
Who is Eligible for PM Suraksha Bima?
- ✓Age 18–70 years
- ✓Active bank account with auto-debit facility
- ✓Aadhaar linked to bank
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Documents Required for PM Suraksha Bima
How to Apply for PM Suraksha Bima Online?
- 1Visit the official portal at https://jansuraksha.gov.in
- 2Click on Apply Now or Register button on the homepage
- 3Enter your Aadhaar-linked mobile number and verify OTP
- 4Fill in the online application form with required details
- 5Upload the required documents including Aadhaar and bank passbook
- 6Review all details and submit the application
- 7Note down the application reference number for future tracking
- 8Wait for verification and approval from the concerned authority
Official Government Portal
Apply directly on the official government website. This is the only authorised portal — never pay anyone to apply on your behalf.
🔗Apply on jansuraksha.gov.inApply Together — Scheme Bundles
These schemes complement PM Suraksha Bima. Apply for all of them together to maximise your benefits.
Health & Accident Cover Bundle
₹5 lakh health cover + ₹2 lakh accident insurance for just ₹20/year
Financial Safety Net Bundle
Zero-balance account + accident cover + life insurance for under ₹500/year
Frequently Asked Questions — PM Suraksha Bima
Common Questions About Finance Schemes
What are the four categories under PM Mudra Yojana in 2026?+
Shishu: up to ₹50,000 for new startups; Kishore: ₹50,001 to ₹5 lakh for growing businesses; Tarun: ₹5 lakh to ₹10 lakh for established businesses; Tarun Plus (launched 2024 Union Budget): ₹10 lakh to ₹20 lakh for those who successfully repaid a Tarun loan.
Which banks offer Mudra loans?+
All PSU banks (SBI, PNB, BOB, etc.), private banks, Regional Rural Banks (RRBs), Microfinance Institutions (MFIs), and NBFCs are registered Mudra lenders. Apply at any branch or online at udyamimitra.in.
How much pension will I get under APY?+
Depending on the pension plan (Rs.1K to Rs.5K/month) and your age at enrollment, your monthly contribution varies. Example: For Rs.5,000/month pension — if you join at age 18, contribute Rs.210/month; at age 30, contribute Rs.577/month; at age 40, contribute Rs.1,454/month.
Can I exit APY before 60 years?+
Voluntary exit before 60 is allowed but the subscriber only gets their own contribution plus accumulated interest, minus account maintenance charges. The government co-contribution (if any) is forfeited. In case of death before 60, the spouse gets the option to continue or claim the accumulated amount.
What does PMJJBY cover?+
It covers death due to any cause. Rs.2 lakh is paid to the nominee in case of the policyholder's death during the policy year.
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Related Finance Schemes
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Pradhan Mantri Mudra Yojana offers collateral-free business loans to micro and small enterprises under four categories: Shishu (up to ₹50,000), Kishore (₹50,001–₹5 lakh), Tarun (₹5 lakh–₹10 lakh), and Tarun Plus (₹10 lakh–₹20 lakh, launched 2024 for repeat Tarun borrowers). Over 52 crore loans sanctioned worth ₹27 lakh crore since 2015.
Atal Pension Yojana 2026 — Guaranteed ₹1,000–₹5,000 Monthly Pension | APY Registration
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PM Jeevan Jyoti Bima Yojana 2026 — Rs.2 Lakh Life Insurance at Rs.436/Year
PM Jeevan Jyoti Bima Yojana (PMJJBY) is a government-backed renewable term life insurance scheme that offers Rs.2 lakh death cover for any cause at just Rs.436 per year. The premium is automatically debited from the subscriber's savings bank account every year between 25 May and 31 May. Launched in 2015 under Pradhan Mantri Jan Suraksha Yojana, the scheme is available to all bank account holders aged 18 to 50 years and is administered through partner public and private sector banks.
PM Jan Dhan Yojana 2026 — Zero Balance Bank Account + ₹2 Lakh Insurance
Pradhan Mantri Jan Dhan Yojana (PMJDY) is India's largest financial inclusion scheme with 56+ crore accounts. Any Indian citizen can open a zero-balance savings account with free RuPay debit card, ₹2 lakh accident insurance, ₹30,000 life insurance, and ₹10,000 overdraft facility.