Pradhan Mantri Suraksha Bima Yojana (PMSBY)
The honorable Prime Minister (PM) of India Mr. Narendra Modi
has announced two beneficiary schemes. First one is ‘Pradhan Mantri Bima
Suraksha Yojana (for accidental death and disabilities) and second one is Pradhan
Mantri Jeevan Jyoti Bima Yojana (for life insurance) to help poor citizen of
India.
With the help of these insurance plans PM Modi is trying to
empower the citizens of country who live below poverty line and does not have
financial power to fight with sudden problems. He also thinks that these
schemes will prove as the key to make them self- dependent at each stage of
life. On this web page complete details
are going to deliver about (PMSBY) schemes online.
Pradhan Mantri Bima Suraksha Yojana Details Online:
Check this information:
Purpose: To give
financial benefits to dependents of family in case of accidental death and
disabilities.
Eligibility: Those
candidates can get the advantage of this scheme whose ages resides between
18-70 years and having an active Aaadhar linked bank account.
Premium: Everyone
can get benefit of this scheme by giving premium of Rs 12 per year.
Payment Mode: In
this scheme payment of 12 Rs will be automatically debited from insured persons
registered bank a/c.
Risk Coverage: See
this-
- In the case of accidental death and full disability: Rs 2 Lakh
- In the case of partial disability: Rs 1 Lakh.
Terms of Risk Coverage:
A person has to opt for the scheme every year. He can also prefer to give a
long-term option of continuing in which case his account will be auto-debited
every year by the bank.
Who will implement
this Scheme: The scheme will be offered by all Public Sector General
Insurance Companies and all other insurers who are willing to join the scheme
and tie-up with banks for this purpose.
In PMSBY, applicants can also get the benefit of TAX rebate
under section 80C but if the amount proceeds from insurance policy exceed Rs.1
lakh, TDS at the rate of 2% from the total proceeds if no Form 15G or Form 15H
is submitted to the insurer.
How to apply: All
willing and eligible candidates can get apply by filling form of PMBSY at bank on
or before 01st of June every year. The Name of nominee should be given in the
form.
Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY):
To get this scheme read following parts of the article then
apply.
Purpose: The main
purpose of this scheme is to give life insurance cover to poor citizens of
India.
Eligibility: Only
those persons can take advantage of this scheme whose ages resides between
18-70 years and having an active Aaadhar linked bank account.
Premium: Rs.
330/- per year will be automatically debited from persons’ account through ECS
in one installment.
Risk coverage: Rs
2 lakh will be given to nominee of Insured person in the case of death for any
reason.
How to apply: Check
this process to apply:
- First of all related and keen desired candidates should visit the scheduled bank for this facility
- Get the form and start filling form at Bank
- People can also get the benefit of this scheme for long time by taking auto debit option.
- In this option Rs of 330 will automatically debited from insured persons account every year.
- Submit the form at the branch to concern person.
- Don’t forget to take receipt of PMSBY.
Note: Dear
candidates before apply for any of the above schemes check entire details.
Take a Look on Below Table
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