The Pradhan Mantri Suraksha Bima Yojana (PMSBY), a government-sponsored insurance scheme that provides accidental death and disability cover for the weaker sections of the society at a very low premium of Rs 20 per year. The scheme is open to all bank account holders aged between 18 and 70 years who give their consent to join and enable auto-debit from their accounts. The scheme offers a sum insured of Rs 2 lakh for accidental death and full disability and Rs 1 lakh for partial disability. The scheme is administered by public sector general insurance companies and other general insurance companies who are willing to offer the product on similar terms with necessary approvals and tie-up with banks. The scheme was launched in 2015 and has been renewed every year since then. The premium rate was revised upward from Rs 12 to Rs 20 per annum in 2022, effective from June 1, 2022. The article claims that the scheme is beneficial for the poor and vulnerable sections of the society who cannot afford expensive insurance policies. It also provides some examples of beneficiaries who have received the claim amount under the scheme. The article concludes by urging the readers to enroll in the scheme and avail its benefits.

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