How to Claim PM Suraksha Bima Yojana in 2026?

An accident doesn’t knock on the door before it happens, it can occur any time, creating financial difficulties for family members. To help families deal with these situations, the Government of India launched the PM Suraksha Bima Yojana (PMSBY). PMSBY aims to provide accidental death or disability coverage to millions of citizens at an affordable cost.

Many people apply for the PMSBY scheme, but not everyone knows how to file claims under the scheme. In this article, we will explore how to claim PM Suraksha Bima Yojana, what documents are required and more.

What is PM Suraksha Bima Yojana?

Launched in 2015, the PM Suraksha Bima Yojana is a scheme backed by the Government of India that aims to provide financial aid to insured individuals and their families. Individuals aged between 18 and 70 years can subscribe to the PMSBY scheme by paying an annual premium of ₹20. The insured person is required to renew the insurance policy every year, which can be done using the auto-debit feature at the bank.

PMSBY scheme provides the following financial benefits:

• An amount of ₹2 lakh to the nominee in case of accidental death
• ₹2 lakh to the insured in case of permanent total disability.
• ₹1 lakh in case of partial disability.

Also Read: Pradhan Mantri Suraksha Bima Yojana: A Complete Guide for Indians

How to Claim PM Suraksha Bima Yojana in Case of Death?

The nominee can follow these simple steps to claim the PM Suraksha Bima Yojana:

Step 1: The nominee should inform the bank and submit the claim form preferably within 30 days of the accident that resulted in the insured person's death.

Step 2: Visit the branch and fill out the death claim form with the required details.

Step 3: Attach necessary documents.

Step 4: Submit the completed form and supporting documents to the bank branch.

Step 5: Now, the bank will verify the documents and forward the claim to the insurance company for further processing.

Step 6: After approval, the insured amount will be directly credited to the nominee’s account.

How to Claim PM Suraksha Bima Yojana in Case of Disability?

If the insured individual faces any kind of total or partial disability due to an accident, they can follow these steps to file a claim under the PM Suraksha Bima Yojana:

Step 1: Individuals should inform the bank about the accident and disability as soon as possible.

Step 2: Visit the branch and fill out the disability claim form with the required details.

Step 3: Attach necessary documents.

Step 4: Submit the completed form and supporting documents to the bank branch.

Step 5: Now, the bank will verify the documents and forward the claim to the insurance company for further processing.

Step 6: After approval, the insured amount will be directly credited to the insured person’s bank account.

Documents Required to Claim PMSBY

Individuals should keep the following documents ready before starting the claim process:

• Properly filled claim form
• Copy of Aadhaar Card/Identity document
• Details of bank account
• Insurance policy/certificate document
• Copies of FIR (where applicable )
• Records from hospitals
• Certificate of disability issued by a competent authority
• Death certificate (in case of death)
• Post-mortem certificate (if required)
• Proof of nominee's identity/address

Who Can File Claim Under PM Suraksha Bima Yojana?

• Accidental Death: The nominee can start the claim process if the insured individual passes away due to an accident.
• Permanent Total Disability: If an individual faces permanent disability due to loss of both eyes, both hands, both feet, or any similar total disability, they can file a claim under PMSBY.
• Permanent Partial Disability: The insured person can file a claim if they face partial disability, such as loss of one eye, leg or any other partial disability due to an accident.

What If There is No Nominee Registered Under PMSBY Scheme?

In case there is no nominee registered under the PMSBY scheme and the insured individual has passed away due to an accident, then the claim amount could usually be claimed by the legal heir/heiress of the insured person.

In this situation, the claimant will have to provide further documents such as the legal heir certificate, succession certificate, indemnity bond or whatever other documents asked for by the bank or insurance firm. As the need for documents varies, the legal heirs are advised to approach the branch of the bank which is linked with the PMSBY scheme.

Common Reasons for Claim Rejection

• Incomplete Documents: Incomplete documents or wrong documents may lead to claim rejection.
• Not Covered by Scheme: If the annual premium was not successfully deducted from the bank account, the policy may not be valid.
• Natural Cause of Death: Under the PMSBY scheme, only accidental deaths and injuries are covered. Claims raised due to natural causes will not be accepted.
• Wrong Nomination Details: Incorrect or outdated nominee details can lead to complications during claim settlement.

How to Increase PMSBY Claim Chances?

For increasing the probability of quick claim acceptance, here are a few guidelines that you should consider:

• Always keep your nominee information up to date.
• Ensure enough balance for annual premium payment.
• Save policy documentation.
• File an accident report promptly.
• Ensure all relevant information is provided.
• Save copies of all documents submitted.

FAQs

What is PM Suraksha Bima Yojana (PMSBY)?

PM Suraksha Bima Yojana (PMSBY) is a government-backed accident insurance scheme that provides financial coverage in case of accidental death or disability at a nominal annual premium.

Who can claim benefits under the PMSBY scheme?

The insured person can claim benefits in case of disability, while the registered nominee can file a claim in the event of the policyholder's accidental death.

What is the compensation amount offered under PM Suraksha Bima Yojana?

The scheme provides ₹2 lakh for accidental death, ₹2 lakh for permanent total disability, and ₹1 lakh for permanent partial disability.

How can a nominee claim PMSBY benefits after the policyholder's death?

The nominee must inform the bank, fill out the death claim form, submit the required documents, and complete the verification process to receive the claim amount.

What documents are required for a PMSBY death claim?

Commonly required documents include the death certificate, claim form, nominee's identity proof, bank account details, FIR copy (if applicable), and post-mortem report where necessary.

What documents are needed for a disability claim under PMSBY?

The insured person may need to submit a disability certificate, medical reports, hospital records, claim form, identity proof, and bank account details.

How is the claim amount paid under the PMSBY scheme?

Once the claim is approved, the insurance benefit is directly credited to the claimant's bank account.

Can a claim be rejected under PM Suraksha Bima Yojana?

Yes. Claims may be rejected due to incomplete documentation, inactive policy coverage, incorrect information, or if the incident does not qualify as an accident under the scheme's terms.

Can a PMSBY claim be filed after 30 days of the accident?

Yes, delayed claims may be considered if valid reasons and supporting documents are provided. Contact the bank branch for specific requirements.

How long does PMSBY claim settlement take?

Claim settlement timelines vary, but claims are generally processed after document verification and approval by the insurer.