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How to Claim PMSBY Accidental Insurance ₹2 Lakh 2026

Claim PMSBY ₹2 lakh for accidental death or permanent disability. ₹20/year premium.

📁 Insurance ⏱️ 30-45 mins 💰 Free

About This Guide

Pradhan Mantri Suraksha Bima Yojana (PMSBY) provides ₹2 lakh for accidental death/permanent total disability or ₹1 lakh for partial disability. ₹20/year premium. Claim via bank where subscriber had account. Documents: police FIR + medical certificate + death certificate.

Eligibility Criteria

PMSBY subscriber
Accidental death OR permanent disability OR partial disability
Premium paid
Within policy period
Within 30 days of incident

Documents Required

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

Death/disability certificate
Police FIR
Medical certificate (disability)
PMSBY claim form (Form D)
Bank passbook
Aadhaar of nominee/subscriber
Cancelled cheque
Discharge form

Step-by-Step Application Process

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

File Police FIR

For accident, FIR mandatory within 24-48 hours.

Get Medical Certificate

For disability, government doctor certificate.

Visit Bank

Where subscriber has PMSBY account.

Get Claim Form

PMSBY Form D.

Fill Form

Subscriber, nature of accident, disability percentage, nominee details.

Attach Documents

FIR + medical/death certificate critical.

Submit

Bank acknowledges.

Bank to Insurer

Forwards in 7-15 days.

Settlement

30-45 days typical.

DBT

₹2L (death/total) or ₹1L (partial) to nominee/subscriber.

Key Benefits

₹2 lakh accidental death/total disability
₹1 lakh partial disability
₹20/year premium - cheapest
Bank-led process
DBT to nominee
Combined with PMJJBY = ₹4L

What Happens After Application?

30-45 days settlement. Track via bank reference. Escalate if delayed.

Frequently Asked Questions

Death by illness covered?

NO. PMSBY only ACCIDENTAL death. Illness death: PMJJBY (separate scheme).

Partial disability proof?

Government doctor certificate specifying disability percentage. Affects claim amount (full ₹2L vs partial ₹1L).