PMSBY 2026: Rs 2 Lakh Accident Insurance for Rs 20, Claim
📌Quick Facts & Summary
Key Benefit
Rs 2 lakh on accidental death or total permanent disability.
Who Can Apply
Savings account holders aged 18 to 70.
Status / Deadline
DFS PMSBY page URL pattern assumed from the PMJJBY page; check resolves (see image/URL table).
Official Portal
Helpline
1800-180-1111 / 1800-110-001
Last Verified
15 October 2026
🔗 Important Action Links (Official Portals):
What is the Scheme?
Accident insurance of Rs 2 lakh for just Rs 20 a year.
Also known as: Rs 20 insurance, accident bima
Who is it for?
Savings account holders aged 18 to 70.
Benefits and Financial Assistance
| # | Key Benefit / Entitlement Details | Category / Mode |
|---|---|---|
| 1 | Rs 2 lakh on accidental death or total permanent disability. | Primary Benefit (DBT/Subsidy) |
| 2 | Rs 1 lakh on partial permanent disability. | Direct Support |
| 3 | Premium Rs 20 a year, auto-debited (cover 1 June to 31 May). | Direct Support |
Eligibility Criteria
Applicants must meet the following eligibility conditions:
- Age 18 to 70 with a savings account and auto-debit consent.
Documents Needed
Keep the following documents ready before submitting your application:
- ✓ Savings account
- ✓ Aadhaar
- ✓ Nominee details
How to Apply Online (Step-by-Step)
- Enrol via net banking / mobile app or jansuraksha.gov.in.
How to Apply Offline
- Fill the PMSBY form at your bank or post office.
How to Check Application / Payment Status
- Ask your bank or check the certificate on jansuraksha.gov.in.
Official Website and Helpline Numbers
| Official Portal | https://jansuraksha.gov.in ↗ |
|---|---|
| Helpline / Contact | 1800-180-1111 / 1800-110-001 |
| Nodal Ministry | Department of Financial Services, Ministry of Finance |
Important Dates & Milestones
Renewal each year on 1 June. Checked 15 Oct 2026.
Frequently Asked Questions (FAQs)
❓ Does it cover natural death?
No, only accidents.
❓ Is snakebite or drowning covered?
Accidental death is covered; check the policy wording with your bank for specific cases.
❓ Can I have both PMSBY and PMJJBY?
Yes.
❓ What papers are needed for a claim?
Claim form, death certificate, FIR / post-mortem report, bank details of nominee.
Sources & Official References
All facts on this page were verified on 15 October 2026 from the following official government sources:
Fact-Check Verification: This scheme entry was reviewed and fact-checked by Abhishek (govtschemes.net) using official PIB releases, ministry guidelines, and gazette records.
If you notice any outdated rule or change, please report a correction.
Related Central Government Schemes
Other central government schemes in the same sector and target audience:
Notice: govtschemes.net is not a government website. We are an independent information site. Always confirm eligibility and apply only on official government portals.