Humne iss article me Life Insurance ke baare me padha hai. Magar in life insurances ke alawa, government ki kuch aisi schemes hain jo hume insurance provide karti hain. Pradhan Mantri Suraksha Bima Yojana unme se ek hai.
Pradhan Mantri Suraksha Bima Yojana kya hai?
Pradhan Mantri Suraksha Bima Yojana ek insurance scheme hai jo 1st June se le kar 31st May tak ka period cover karti hai. But, yeh policy auto-renew hoti hai which means 1st June se pehle agle saal ke liye firse yeh policy renew ho jaati hai. Yeh policy public sector general insurance companies ya koi bhi aur general insurance company provide karti hai
Isme kya kya benefits aapko milte hain?
– Iss insurance policy me 2 types ke covers hote hain:
- Death and full* disability ke cases me Rs. 2 lakhs ka life cover milta hai. Yaani, policyholder ki death ya full disability par unke beneficiaries ko Rs. 2 lakhs diye jaate hain
- Partial** disability ke cases me Rs. 1 lakhs ka amount milta hai
– Pradhan Mantri Suraksha Bima Yojana me aapko Rs. 12 ka premium bharna hota hai jo har saal government auto-debit karti hai
– Because iss policy ka term 1st June – 31st May hai, auto-debit ek hi instalment me hota hai. Iss auto-debit ke madhyam se yeh policy renew hoti rehti hai
Is scheme ke liye kaun kaun eligible hai?
– Policy join karne ke liye aapki age 18-70 years ki honi chahiye
– Aapke paas ek bank account hona chahiye jisme sufficient balance hona zaroori hai
– Yeh policy sirf vahi join kar sakte hain jinhone auto-debit enable karne ka consent diya ho
– Aapke paas Aadhar Card KYC ke liye hona zaroori hai
Yeh policy kab khatam hogi?
Agar aap account band kar dete hain, ya aapke paas balance nahi hota, ya fir jab aap 70 ke around ho jaenge, tab yeh policy terminate ho jayegi.
- Dono eyes ka poora/irrecoverable loss
- Dono hands ya dono feet ka loss
- Ek eye me sight ka loss aur ek hand ya ek foot ka usage loss
- Ek eye ka poora/irrecoverable sight loss
- Ek hand ya ek foot ka loss
