PM Suraksha Bima Yojana (PMSBY): Sirf ₹20 Mein ₹2 Lakh Ka Accidental Cover

PM Suraksha Bima Yojana (PMSBY) Kya Hai?

Aaj kal sadakon par roz hazaron haadse (accidents) hote hain. Aise mein agar pariwar ke kamane wale sadasya ke sath koi anhooni ho jaye, to poora ghar aarthik sankat mein aa jata hai. Private companies ke Accidental Insurance (Durghatna Bima) kafi mehnge aate hain.

Isi ko dhyan mein rakhte hue sarkar ne Pradhan Mantri Suraksha Bima Yojana (PMSBY) chalayi hui hai. Ye ek aisi scheme hai jisme aapko saal bhar ke liye matra ek chai ke pyale jitna kharcha karna hai, aur badle mein aapko ₹2 Lakh tak ka Accidental cover mil jata hai.

Premium Aur Coverage (Kya Milega?)

Is bima yojana ka premium itna kam hai ki shuruaat mein log is par yakeen hi nahi kar paate the.

• Premium: Sirf ₹20 saalana (lagbhag ₹1.6 per month!). Pehle ye ₹12 tha, jise ab ₹20 kiya gaya hai.
• Coverage Period: 1 June se agle saal 31 May tak.

Haadsa (Accident) Hone Par Kya Milta Hai? 1. Mrityu (Death): Agar durghatna mein jaan chali jaye, to nominee ko ₹2,00,000 (2 Lakh) diye jate hain. 2. Poori Apangta (Total Disability): Agar accident mein dono aakhein chali jayein, ya dono haath/pair kat jayein, to bhi ₹2,00,000 milte hain. 3. Aadhi Apangta (Partial Disability): Agar accident mein ek ankh ki roshni chali jaye, ya ek haath/pair kaam karna band kar de, to ₹1,00,000 ki madad milti hai.

(Note: Ye paisa ilaaj/hospital ke bill ke liye nahi hota, ye directly aarthik madad ke roop mein milta hai.)

Kaun Le Sakta Hai Ye Bima? (Eligibility)

Is yojna ka hissa banne ke liye sharatein aasan hain:

• Umar: 18 saal se lekar 70 saal tak ka koi bhi Bhartiya nagrik isey le sakta hai. (70 saal ke baad ye policy apne aap band ho jati hai).
• Bank Account: Aapka ek saving account (Bank ya Post Office mein) hona chahiye.
• Aadhaar: Bank account Aadhaar se link hona zaruri hai.
• Auto Debit Consent: Aapko bank ko likhit mein (ya online) permission deni hogi ki har saal May ke mahine mein aapke a/c se ₹20 kaat kar bima renew kar diya jaye.

Bima Kaise Shuru Karwayein? (Apply Process)

Online Tarika: Sabse asan tarika hai apne bank ki Net Banking ya Mobile App open karna. Wahan 'Insurance' ya 'Social Security Schemes' ka ek option hoga. Uspar click karein, PMSBY select karein, apna account number chunein, Nominee ki details dalein aur Confirm kar dein.

Offline Tarika: Apne us bank mein jayein jahan aapka account hai. Ek single page ka form bharna hota hai jisme Nominee (jise death ke baad paisa milega) ki detail deni hoti hai. Sign karke bank wale ko de dein, bima chalu ho jayega.

Accident Hone Par Claim Kaise Karein?

Claim lena ek paper-based process hai, isliye iski jankari family/nominee ko pehle se honi chahiye:

1. FIR & Post-Mortem: Accident ke turant baad Police FIR darj hona aur (death ke case mein) post-mortem report hona zaroori hai. Inke bina claim milna lagbhag namumkin hai.
2. Bank Ko Suchna: Accident hone ke 30 din ke andar Nominee ko us bank jana hoga jahan bima dharak ka account tha.
3. Claim Form Jama Karna: Bank se claim form lekar uske sath FIR ki copy, Death Certificate/Disability certificate aur Post-mortem report lagakar jama karni hogi.
4. Paisa Nominee Ke A/c Mein: Documents theek nikalne par, insurance company 30 din ke andar Nominee ke bank a/c mein seedha paisa (₹1 Lakh ya ₹2 Lakh) bhej deti hai.

Ye Galtiyan Bima Band Karwa Sakti Hain

• Account Mein ₹20 Na Rakhna: Bima har saal 25 May se 31 May ke beech renew hota hai. Agar in dino aapke account mein ₹20 ka balance nahi mila, to auto-debit fail ho jayega aur aapka bima turant ruk jayega. Isliye dhyan rakhein ki May mahine mein hamesha thode paise account mein rahne chahiye.
• Family Ko Na Batana: Bima aap apne liye nahi, apne parivar ke liye le rahe hain. Agar unhe hi is bare mein nahi pata hoga, to wo claim form kaise bharne jayenge? Unhe jarur bataein.
• Multiple Bima Lene Ki Koshish: Agar aapke 3 bank mein a/c hain aur aapne teeno se ₹20-₹20 cutwa diye, to aapko 3 baar cover nahi milega. Rules ke hisab se ek aadmi ko sirf ek hi bank se ₹2 lakh ka claim mil sakta hai.