You never know when an accident will happen while driving on the road. And that accident often puts the future of the entire family in darkness. Keeping that in mind, the central government has launched a special accident insurance scheme, where an insurance benefit of Rs 2 lakh is available for a premium of just Rs 20. Yes, this scheme is called Pradhan Mantri Suraksha Bima Yojana, which is important for everyone from low-income people to the lower or middle class.
The central government’s Dhamakadar Insurance Scheme
Let me tell you that the Pradhan Mantri Suraksha Bima Yojana was launched in 2015. And the main aim of this scheme is to provide financial assistance to the family in case of death or physical disability due to an accident. Especially in families that depend on the income of one person, this insurance works as a safety net.
It is known that this scheme provides several benefits in case of accidents. First of all, if the policyholder dies in an accident, the nominated person gets an insurance benefit of Rs 2 lakh. Even if both eyes or hands and feet are paralyzed in an accident, you get Rs 2 lakh. And in case of partial disability due to an accident, an insurance benefit of Rs 1 lakh is available. This amount is even transferred directly through a bank account.
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Who is eligible for this insurance?
To get the benefits of Pradhan Mantri Suraksha Bima Yojana, the applicant must fulfill the following qualifications—
- The applicant’s age must be between 18 and 70 years.
- The applicant must have an active bank account.
- Aadhaar must be linked to the bank account.
- The auto debit facility must be active with the bank account.
And the validity of this scheme is from January 1 to May 31 every year and is automatically renewed after that.
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How is the premium deducted?
It is known that only Rs 20 is charged annually for this insurance. And this money is deducted from the bank account through auto debit. As a result, there will be no hassle of renewing separately.
How to apply?
To apply for this scheme, you have to go to a nearby bank branch. Then you have to collect the Pradhan Mantri Suraksha Bima Yojana form there. Then you have to fill the form with the necessary information and documents and submit it there. Your insurance cover will be effective only after the bank approves it. This premium is even collected through net banking or mobile banking of many banks. So if you want to get the benefits of insurance, then apply for this scheme today.
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