How to Claim PMSBY for Accidental Death/Disability 2026

About This Guide

Pradhan Mantri Suraksha Bima Yojana (PMSBY) claim for accidental death (₹2 lakh) or partial/total disability (₹1-2 lakh). Premium ₹20/year auto-debited. Apply within 30 days of accident. Bank where premium debited handles. Underwritten by Public Sector general insurance companies.

Eligibility Criteria

• PMSBY enrolled member
• Accident occurred during cover period
• Within 30 days of accident
• Aadhaar mandatory
• Bank passbook (premium debited)

Documents Required

Keep these documents ready before starting application. Missing documents = delayed approval.

• PMSBY enrollment proof
• Aadhaar (deceased + nominee)
• Death certificate
• Police FIR (accidental)
• Postmortem report
• Hospital admission/discharge
• Disability certificate (for disability claim)
• Bank passbook
• Photo
• Claim form

Step-by-Step Application Process

Follow these steps in order. Each step is critical - skip none.

Key Benefits

• ₹2 lakh accidental death
• ₹1-2 lakh disability
• ₹20/year premium
• Auto-debit from bank
• Bank-mediated claim
• Multiple PSU insurance backers
• Pan-India coverage
• Affordable for poor
• Government-backed

What Happens After Application?

60-120 days settlement.

Frequently Asked Questions

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