🛡️ What is PMSBY ?

PMSBY (Pradhan Mantri Suraksha Bima Yojana) is India's cheapest accident insurance:

• Cost: ₹20/year (5 paise/day)
• Coverage: ₹2 lakh for death/full disability, ₹1 lakh for partial disability
• Where: Any bank (even with ₹500 balance)
• Renews Automatically every June 1st

  My bike skidded on rainy pithoragarh,uttarakhand roads last year. PMSBY paid ₹1 lakh for my fractured leg - more than my 6 months' earnings as a delivery partner. - Deepak ,Uttarakhand

🎯 Who Should Get PMSBY?

Perfect for:

• Daily wage workers
• Bike/scooter riders (covers 74% of India's accident deaths)
• Construction workers
• Anyone without employer insurance

📋 Eligibility in 10 Seconds

Criteria	Details
Age	18-70 years (no upper limit!)
Bank Account	Any Indian bank (SB/RD/current)
Documents	Just Aadhaar + mobile number

💸 What’s Covered? (Real-Life Examples)

1. Road Accidents (Hit by car/bike) → ₹2 lakh
2. Work Mishaps (Fell at construction site) → ₹1-2 lakh
3. Natural Disasters (Tree fall during storm) → ₹2 lakh
4. Murder/Assault → ₹2 lakh

❌ Not Covered: Illnesses (like cancer), suicide, or natural deaths

🏃♂️ How to Enroll (3-Step Cheat Sheet)

1. Visit your bank (or use net banking)
2. Fill 1-page form (ask for "PMSBY form")
3. Give ECS mandate (auto-debits ₹20/year)

⏰ Deadline: Join before June 1st yearly renewal

🚨 Claim Process (Stress-Free Guide)

1. Step 1: Inform bank within 30 days of accident
2. Step 2: Submit:
   • FIR copy (if applicable)
   • Disability certificate (from govt hospital)
   • Postmortem report (for death claims)
3. Step 3: Money comes in 10-20 working days

💡 Pro Tip: Pair with PMJJBY (₹436/year) for complete ₹4 lakh coverage!

❓ FAQs (From Real Users)

Q: Can I claim for my father's heart attack?
A: ❌ No - but enroll him in PMJJBY (covers natural deaths)

Q: What if I'm bedridden after an accident?
A: ✅ ₹1 lakh for permanent disability (like losing eyesight)

Q: Is train/bus accidents covered?
A: ✅ Yes - all accident types included.

📈 Why 25+ Crore Indians Trust PMSBY

• Saves 97% vs private accident policies
• No medical tests even for dangerous jobs
• Instant activation - no waiting period

"As a mason, I've seen 3 colleagues get ₹2 lakh after falls. This ₹20 policy does what expensive ones can't." - Raju, Bihar

Note: For illness coverage, consider pairing with PMJJBY or Ayushman Bharat.