പ്രധാനമന്ത്രി സുരക്ഷാ ബീമാ യോജന
18 നും 70 നും മദ്ധ്യേ പ്രായമുള്ള എല്ലാവർക്കും പ്രധാനമന്ത്രി സുരക്ഷാ ബീമാ യോജനയിൽ ചേരാൻ അവകാശമുണ്ട്. പ്രാരംഭത്തിൽ 12 രൂപ വാർഷിക പ്രീമിയം ആയിരുന്നതു് ഇപ്പോൾ 22 രൂപയാണ് എന്നു മനസ്സിലാക്കുന്നു. അപകട മരണം സംഭവിച്ചാൽ അവകാശികൾക്ക് രണ്ടു ലക്ഷം രൂപ ലഭിക്കും. അപകടത്തിൽ അംഗവൈകല്യം സംഭവിച്ചാൽ രണ്ടു ലക്ഷം രൂപ വരെ നഷ്ടപരിഹാരം ലഭ്യമാണ്. ഇതേക്കുറിച്ച് കേന്ദ്ര സർക്കാർ ദേശവ്യാപകമായി പ്രചരണം നൽകുന്നുണ്ടെങ്കിലും അർഹതയുള്ള അനേക കോടി ജനങ്ങൾ അറിവില്ലായ്മ കൊണ്ടാ പണമില്ലാത്തതു കൊണ്ടോ ബാങ്ക് ശാഖ / പോസ്റ്റ് ഓഫീസ് വരെ പോയി അക്കൗണ്ട് തുടങ്ങാൻ സമയമില്ലാത്തതു കൊണ്ടോ ഈ ഇൻഷുറൻസ് പദ്ധതിയിൽ ചേരാത്തവരായുണ്ട്.
Details
An Accident Insurance Scheme offering accidental death and disability cover for death or disability on account of an accident.
Premium
Rs.12/- per annum per member. The premium will be deducted from the account holder’s bank account through ‘auto debit’ facility in one instalment on or before 1st June of each annual coverage period under the scheme.
Coverage Duration
The cover shall be for the one-year period stretching from 1st June to 31st May However, in cases where auto debit takes place after 1st June, the cover shall commence from the date of auto debit of premium by Bank
Accident cover assurance termination
The accident cover of the member shall terminate / be restricted accordingly on any of the following events:
On attaining age 70 years (age nearer birth day).
Closure of account with the Bank or insufficiency of balance to keep the insurance in force.
In case a member is covered through more than one account and premium is received by the insurance company inadvertently, insurance cover will be restricted to one account and the premium shall be liable to be forfeited.
Termination of cover
The accident cover for the member shall terminate on any of the following events and no benefit will be payable there under:
On attaining age 70 years (age nearest birthday).
Closure of account with the Bank or insufficiency of balance to keep the insurance in force.
In case a member is covered through more than one account and premium is received by the Insurance Company inadvertently, insurance cover will be restricted to one bank account only and the premium paid for duplicate insurance(s) shall be liable to be forfeited.
If the insurance cover is ceased due to any technical reasons such as insufficient balance on due date or due to any administrative issues, the same can be reinstated on receipt of full annual premium, subject to conditions that may be laid down. During this period, the risk cover will be suspended and reinstatement of risk cover will be at the sole discretion of Insurance Company.
Participating banks will deduct the premium amount in the same month when the auto debit option is given, preferably in May of every year, and remit the amount due to the Insurance Company in that month itself.
State wise toll free number - https://jansuraksha.gov.in/files/STATEWISETOLLFREE.pdf
National Toll Free Number - 1800-180-1111 / 1800-110-001