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In order to provide insurance facilities to the people of the country, the Central Government has launched several schemes. Prime among these schemes is the Pradhan Mantri Suraksha Bima Yojana. The specialty of this scheme is that you can get a cover of up to 2 lakh rupees only by paying a premium of Rs 12 per year.
Similarly, there is also Pradhan Mantri Jeevan Jyoti Bima Yojana, in which you can get insurance of 2 lakhs by paying Rs. 330 annually. People from 18 to 50 years can easily take advantage of this. Similarly, there is also the Atal Pension Scheme, in which people aged 18-40 years can start any pension scheme of their own in the bank or post office. With a small deposit, they can secure their life for old age.
Also Check: Is Coronavirus treatment covered under your Existing Health Insurance Policy?
Among these three schemes, one talks about the Prime Minister Suraksha Bima Yojana. So far 21 crore people of the country have attached themselves to this scheme and they have become a part of this policy. Let’s try to understand this scheme through the questions and answers given below.
1-What is Pradhan Mantri Suraksha Bima Yojana and who can take benefit from it?
Anyone from 18 to 70 years can avail this insurance. The annual premium is 12 rupees and it can be taken from any bank branch. A cover of Rs 2 lakh is available annually at a premium of Rs 12. Also, there is accident insurance of 1 lakh rupees. If the person is partially crippled in the accident, then there is a cover of Rs 1 lakh. 2 lakh rupees are given to the dependent or nominee of the person who is completely disabled or after death.
2-Prime Minister Suraksha Bima Yojana is for how many days?
This insurance is for one year. It has to be renewed every year. The bank from which the insurance scheme has been taken, it can be renewed from the branch of that bank.
3- How many years will this insurance plan have to take to get it?
Since this scheme is for people between 18 and 70 years, this insurance ends as soon as 70 years are completed. To take it, a person must have a bank account. If there is no bank account, then at least the post office should have an account. Through this, you can get the benefit of this insurance scheme.
Also Read: How to apply for Pradhan Mantri Awas Yojana (PMAY): All you need to know
4- Under what circumstances the policy of insurance ends, what must be done to keep the policy going?
At the time the insurance premium is to be deposited, there should be money in your bank or post office account. If there is no balance, the insurance policy will automatically be canceled. If you close the bank or post office account, then the policy is canceled.
5-How to apply and where to apply for Pradhan Mantri Suraksha Bima Yojana?
You can apply for this policy in the bank or post office where you have an account. If you want the premium amount to be deducted from your account at a certain time (auto debit), then you have to give approval to the bank. If you want to do this online or from the mobile app, you can choose the option of auto debit.
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Source: https://www.sociallykeeda.com/insurance-of-2-lakhs-at-a-premium-of-12-rupees-know-what-is-pm-suraksha-bima-yojana-from-these-5-questions/
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