Dukan chalane wale ko roz sadak par aana-jaana, saaman uthana, scooter chalana padta hai. Ek chhoti si durghatna poore parivar ka budget hila sakti hai. PMSBY (Pradhan Mantri Suraksha Bima Yojana) sarkar ki ek aisi accident insurance yojana hai jisme sirf Rs 20 saal ke premium par Rs 2 lakh tak ka cover milta hai. Is guide mein hum aasaan Hinglish mein samjhenge ki PMSBY kya hai, kaun le sakta hai, kaise apply karein aur claim kaise milta hai.
PMSBY kya hai?
Financial Services Department (Vitt Mantralay) ke mutabik PMSBY ek saal ki personal accident insurance scheme hai jo har saal renew hoti hai. Isme durghatna se hui mrityu ya viklangta (disability) par paisa milta hai. Yeh scheme 9 May 2015 ko shuru hui thi. Yeh sirf accident cover hai, yaani bimari ya normal maut par isme paisa nahi milta.
PMSBY ke fayde ek nazar mein
| Baat | Detail |
|---|---|
| Premium | Rs 20 per saal (bank account se auto-debit) |
| Accident se maut | Rs 2 lakh (nominee ko) |
| Dono aankh ya dono haath/pair ka nuksan | Rs 2 lakh |
| Ek aankh ya ek haath/pair ka nuksan | Rs 1 lakh |
| Umar | 18 se 70 saal |
| Cover period | 1 June se 31 May |
Note: Amount aur rules badal sakte hain. Hamesha jansuraksha.gov.in par latest jaankari check karein.
Kaun PMSBY le sakta hai? (Eligibility)
Sarkari FAQ ke hisaab se:
- Aapki umar 18 se 70 saal ke beech honi chahiye.
- Aapka kisi participating bank ya post office mein individual (single ya joint) savings account hona chahiye.
- Aapko auto-debit ke liye consent dena hoga.
- Agar aapke kai bank accounts hain, to aap sirf ek hi account se PMSBY le sakte hain.
Dukandar, thele wale, chhote karigar, dukan par kaam karne wale karmchari – sab is yojana ke liye eligible ho sakte hain, bas bank account chahiye. Is ke liye alag se Udyam registration ki zaroorat nahi hoti.
Cover kab khatam ho jata hai?
Sarkari rules ke mutabik umar 70 saal hone par, bank account band hone par, ya account mein premium ke liye paisa na hone par cover khatam ya band ho sakta hai. Agar ek se zyada account se premium kat gaya, to cover ek hi rahega aur extra premium wapas nahi hota.
PMSBY ke liye apply kaise karein? (Step-by-step)
Aap in teen tareeqon se PMSBY le sakte hain:
- Bank branch mein: apne bank jaakar PMSBY ka consent-cum-declaration form bharein. Aadhaar aur account details saath rakhein.
- Net banking / mobile banking: kai banks (jaise SBI, PNB) apne app mein “Insurance” ya “Social Security Schemes” section mein PMSBY ka option dete hain.
- Post office: India Post bhi PMSBY offer karta hai, apne savings account ke saath.
Online enrolment ke steps (aam tareeqa)
- Apne bank ki net banking ya mobile app mein login karein.
- “Insurance” ya “PMSBY” option dhundhein.
- Nominee ka naam, rishta aur umar bharein.
- Auto-debit ka consent dein aur Rs 20 premium confirm karein.
- Confirmation SMS ya certificate save kar lein.
Bank ke hisaab se menu ka naam alag ho sakta hai. Doubt ho to branch mein pooch lein.
Video dekhkar samjhein
PMSBY ka poora guide Hindi mein video mein dekhein:
Premium kab katta hai? Kya dhyan rakhein?
Cover 1 June se 31 May tak chalta hai. Auto-debit Rs 20 aam taur par 25 May se 1 June ke beech katta hai. Isliye is dauran apne account mein kam se kam Rs 20 zaroor rakhein. Agar premium time par nahi kata, to cover chhoot sakta hai aur agle saal dobara join karna pad sakta hai.
Zaroori baatein
- Nominee ka naam zaroor sahi likhwayein, kyunki claim usi ko milta hai.
- Account ka mobile number update rakhein taaki SMS alerts milte rahein.
- Policy certificate ya SMS ka screenshot sambhal kar rakhein.
Ek kaalpanik udaharan: Ramesh ji ki kirana dukan
(Yeh kaalpanik udaharan hai, samjhane ke liye.) Ramesh ji ki ek chhoti kirana dukan hai. Unhone bank ke app se PMSBY le rakha tha aur har saal Rs 20 katta tha. Ek din maal lekar aate samay unka accident ho gaya aur unke ek haath ka poora upyog khatam ho gaya. Parivar ko ilaaj ka kharcha aur dukan ki chinta thi.
PMSBY ke rules ke hisaab se ek haath ke upyog ke nuksan par Rs 1 lakh ka benefit banta hai, jo claim approve hone par mil sakta hai. Yeh paisa ilaaj aur dukan chalane mein madad karta. Cover ka kharcha sirf Rs 20 tha, jo ek chai ki keemat se bhi kam hai.
Seekh: PMSBY aapki saari problem hal nahi karta, par ek chhota sa suraksha kavach zaroor deta hai.
PMSBY claim kaise karein?
Claim ke liye aam taur par yeh steps hote hain (bank ya insurer ke hisaab se thoda alag ho sakte hain):
- Durghatna ki jaankari jaldi se jaldi bank branch ko dein. Nominee ya aap khud claim form bharein.
- Claim form ke saath zaroori documents lagayein: bank passbook ki copy, ID proof, nominee ki details.
- Maut ke case mein death certificate, FIR/police report ya postmortem report jaise documents maange ja sakte hain.
- Viklangta ke case mein doctor ka disability certificate chahiye ho sakta hai.
- Bank form ko insurance company ko bhejta hai. Approve hone par paisa seedha bank account mein aata hai.
Kaunse documents lagenge, uski sahi list ke liye apne bank ya jansuraksha.gov.in ka claim form dekhein.
Kab claim nahi milta?
Sarkari scheme ke rules mein kuch exclusions hote hain, jaise aatmahatya (suicide) ya cover active na hona. Poori list ke liye official rules padhein.
PMSBY aur dukan ka baaki insurance
PMSBY sirf aapko (insured person) accident se bachata hai. Aapki dukan, maal ya chori-aag ke nuksan par yeh cover nahi deta. Dukan ke liye aap dukan ka fire insurance aur burglary insurance dekh sakte hain. Poori planning ke liye best shopkeeper insurance policy guide bhi padhein.
PMSBY ke saath health insurance bhi zaroori hai, kyunki PMSBY bimari ka ilaaj cover nahi karta. Hamari health bima coverage guide mein iske baare mein bataya hai.
PMSBY ke fayde aur seemayein
- Fayde: bahut kam premium, aasaan enrolment, auto-renewal.
- Seemayein: sirf accident cover, cover amount kam hai, ilaaj ka kharcha alag se nahi milta.
PMSBY aur PMJJBY mein fark
Dono sarkari yojanayein jansuraksha.gov.in se chalti hain, par kaam alag hai. PMSBY sirf accident se hui maut ya viklangta ka cover deti hai. PMJJBY ek life cover scheme hai jisme kisi bhi karan se maut hone par paisa milta hai, lekin uska premium aur sharten alag hain (latest details official site par dekhein). Bahut se log dono lete hain, kyunki dono milkar parivar ko zyada suraksha dete hain.
Dukandar ke liye 3 chhoti salah
- Saal mein ek baar, May ke aakhir mein, check karein ki account mein Rs 20 se zyada balance hai.
- Apne nominee ko bata dein ki aapne PMSBY liya hai aur certificate kahan rakha hai.
- Account mein mobile number aur Aadhaar link rakhein, taaki claim ke samay dikkat na ho.
Yeh chhoti-chhoti aadatein claim ke samay bahut kaam aati hain. Aksar claim isliye atakta hai ki nominee ko pata hi nahi hota ki policy hai, ya bank ki details purani hoti hain. Isliye parivar mein baat zaroor karein.
Aksar pooche jaane wale sawaal (FAQ)
1. PMSBY ka premium kitna hai?
Sarkari jaankari ke mutabik premium Rs 20 per saal hai. Future mein badal sakta hai, isliye official site check karein.
2. Kya mere account se bina bataye Rs 20 kat sakta hai?
Scheme mein auto-debit ke liye aapki consent zaroori hai. Agar aapko lagta hai ki bina permission paisa kata hai, to apni bank branch mein poochein aur zaroorat ho to cover band karne ya shikayat ka tareeka puchein.
3. Kya ek se zyada bank account se PMSBY le sakte hain?
Nahi, ek vyakti sirf ek hi bank/post office account se is scheme mein join kar sakta hai.
4. Kya bimari se maut par paisa milega?
Nahi. PMSBY sirf accident se hui maut ya viklangta par cover deta hai.
5. 70 saal ke baad kya hota hai?
Sarkari rules ke hisaab se 70 saal ki umar poori hone par cover khatam ho jata hai.
6. Kya mahila bhi PMSBY le sakti hai?
Haan, 18 se 70 saal ki koi bhi bank account holder mahila ya purush is yojana mein join kar sakta hai.
Nishkarsh (Conclusion)
Rs 20 saal ke premium mein Rs 2 lakh tak ka accident cover aaj ke samay mein bahut kam kharche ka suraksha kavach hai. Agar aap dukandar hain, to apne bank mein PMSBY check karein aur agar abhi nahi liya to enrol kar lein. Yaad rakhein ki yeh health insurance ya dukan ke insurance ka replacement nahi hai, balki uska ek chhota sa saath hai.
Official jaankari ke liye dekhein: jansuraksha.gov.in aur Financial Services Department ka PMSBY page. Disclaimer: yeh jaankari sirf shiksha ke liye hai, final details ke liye bank ya official site dekhein.