New Delhi: The Pradhan Mantri Suraksha Bima Yojana (PMSBY) was launched on 9th May, 2015. The scheme provides a cover of Rs. Two Lakh for accidental death or total permanent disability and Rs One Lakh in case of permanent partial disability. The cover period under this scheme is 1st June of each year to 31st May of subsequent year. The scheme is offered/ administered through both public and private sector general insurance companies, in tie up with scheduled commercial banks, Regional Rural Banks and Cooperative Banks. PMSBY offers a renewable one year accidental death cum disability cover to all subscribing bank account holders in the age group of 18 to 70 years for a premium of Rs.12/- per annum per subscriber to be auto debited from subscriber’s bank account.
PMSBY provides insurance cover to common people, especially poor and the under-privileged sections of the society. The Government as well as the Public Sector General Insurance Companies had organized massive campaign to create awareness amongst large sections of population and also carried outreach efforts to facilitate access to the schemes. An exclusive website www.jansuraksha.gov.in, which hosts all relevant material / information including forms, rules etc. related to this scheme in English, Hindi and regional languages, was created. The progress of settlement of claims under the schemes is monitored regularly by the Government. Any complaints in respect of the scheme are dealt in coordination with banks and insurance companies in getting it resolved expeditiously.
There is an improvement in the number of enrolments through auto-debit under the Scheme from 8.85 crore in the year 2015-16 to 13.41 crore in 2017-18. The details of State-wise distribution under the Scheme in the year 2017-18 are attached as Annexure. The accidental insurance policies under implementation with different Central Government Departments have been converged to PMSBY w.e.f. 1st June 2017.
Annexure
| No | Name of State / UT | PMSBY Enrolments |
| 1 | ANDAMAN AND NICOBAR ISLANDS | 25,939 |
| 2 | ANDHRA PRADESH $$ | 267,94,786 |
| 3 | ARUNACHAL PRADESH | 54,557 |
| 4 | ASSAM | 15,42,341 |
| 5 | BIHAR | 44,35,787 |
| 6 | CHANDIGARH | 1,80,897 |
| 7 | CHHATTISGARH | 48,78,782 |
| 8 | DADRA AND NAGAR HAVELI | 38,729 |
| 9 | DAMAN AND DIU | 30,015 |
| 10 | GOA | 2,34,179 |
| 11 | GUJARAT | 50,85,989 |
| 12 | HARYANA | 27,16,634 |
| 13 | HIMACHAL PRADESH | 9,70,141 |
| 14 | JAMMU AND KASHMIR | 6,06,542 |
| 15 | JHARKHAND | 17,33,879 |
| 16 | KARNATAKA | 63,87,312 |
| 17 | KERALA | 36,73,381 |
| 18 | LAKSHADWEEP | 4,510 |
| 19 | MADHYA PRADESH | 74,07,563 |
| 20 | MAHARASHTRA | 80,03,951 |
| 21 | MANIPUR | 87,690 |
| 22 | MEGHALAYA | 77,784 |
| 23 | MIZORAM | 72,568 |
| 24 | NAGALAND | 48,569 |
| 25 | DELHI | 22,21,327 |
| 26 | ODISHA | 35,93,515 |
| 27 | PUDUCHERRY | 1,93,922 |
| 28 | PUNJAB | 32,88,932 |
| 29 | RAJASTHAN | 47,74,162 |
| 30 | SIKKIM | 46,679 |
| 31 | TAMIL NADU | 68,65,370 |
| 32 | TELENGANA | 55,26,435 |
| 33 | TRIPURA | 3,11,420 |
| 34 | UTTAR PRADESH | 116,66,598 |
| 35 | UTTARAKHAND | 12,93,280 |
| 36 | WEST BENGAL | 55,91,359 |
| 37 | Others & Non-CBS Enrolments ** | 136,27,812 |
| Grand Total | 1340,93,336 |
** Beneficiaries converged from Ministry of Textiles, Women & Child Development, MSME and Department of Animal Husbandry, Dairy and Fisheries from their respective erstwhile Insurance schemes. Non-CBS enrolments pertain to urban cooperative bank subscribers which were not migrated to CBS system.
$$ includes 1.99 crore beneficiaries which have been converged from AABY to PMSBY in the state of Andhra Pradesh
This was stated by Shri Shiv Pratap Shukla, Minister of State for Finance in written reply to a question in Rajya Sabha.
