Government accident insurance scheme
PMSBY: Pradhan Mantri Suraksha Bima Yojana — Complete Guide
Understand PMSBY eligibility, the ₹20 premium, accident cover, disability benefits, exclusions, renewal — and exactly which documents a family needs for a death or disability claim.
- ₹20 a year
- Up to ₹2 lakh
- Ages 18 to 70
What is PMSBY?
Pradhan Mantri Suraksha Bima Yojana is a Government of India one-year personal accident insurance scheme, renewable each year, offering protection against death or disability caused by an accident. Savings bank or post office account holders aged 18 to 70 can join for ₹20 a year, auto-debited from that account. Cover runs from 1 June to 31 May.
- What does PMSBY cover?
- ₹2 lakh for accidental death. ₹2 lakh for total and irrecoverable loss of both eyes, or loss of use of both hands or feet, or loss of sight of one eye together with loss of use of one hand or foot. ₹1 lakh for total and irrecoverable loss of sight of one eye, or loss of use of one hand or foot.
- Does PMSBY cover natural death?
- No. This is the single most important thing to understand. PMSBY responds only to death or disability caused by an accident. Death from illness, heart attack or any natural cause is not covered. That risk belongs to PMJJBY, which is a separate life insurance scheme.
- Does it cover suicide or murder?
- The official position is that death due to suicide is not covered, while death from murder is covered. Death or disability from natural calamities is also covered. Note that this differs from PMJJBY, which covers death from any cause including suicide.
- Who is eligible?
- Individual savings bank or post office account holders aged 18 to 70 (age nearer birthday) who give consent for auto-debit. A person holding several accounts may join through one account only. NRIs with an eligible account at a bank branch in India may join, with any claim paid in Indian currency.
- What is the PMSBY age limit?
- Entry and cover run from 18 to 70. Cover terminates on attaining age 70, age nearer birthday. Unlike PMJJBY, there is no separate lower entry cut-off — the same 70 applies to both joining and continuing.
- Is PMSBY an investment?
- No. It is pure accident insurance. There is no maturity value and nothing comes back if no covered event occurs. The ₹20 buys a year of protection, not a savings balance.
At a glance
PMSBY quick facts
Verified against Department of Financial Services and Jan Suraksha scheme documentation on 8 August 2026. Premium, benefits and rules are set by government notification and may be revised.
Tool
PMSBY eligibility checker
An educational check against the published scheme rules. The result updates as you change any answer.
Your details
PMSBY runs from 18 to 70 years, age nearer birthday.
Result
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This is an educational eligibility check and is not an official government or insurer eligibility decision. Final eligibility depends on the prevailing PMSBY rules and the participating institution.
Benefits
What PMSBY pays, and when
The scheme's table of benefits uses precise wording. It is reproduced faithfully below, with a plain-language explanation alongside each row.
| Event | Scheme wording | In plain language | Sum insured |
|---|---|---|---|
| Accidental death | Death | Death caused by an accident, while cover is in force | ₹2,00,000 |
| Permanent total disability | Total and irrecoverable loss of both eyes, or loss of use of both hands or feet, or loss of sight of one eye and loss of use of one hand or foot | Losing both of a pair — both eyes, both hands, both feet — or one eye together with one hand or foot | ₹2,00,000 |
| Permanent partial disability | Total and irrecoverable loss of sight of one eye, or loss of use of one hand or foot | Losing one eye, or one hand, or one foot | ₹1,00,000 |
Read the wording, not the label. "Permanent partial disability" under PMSBY does not mean any lasting injury. The scheme lists specific losses. A permanent back injury, hearing loss, or losing fingers rather than a whole hand may not fall within these categories, however serious the consequences. This is a defined-schedule accident policy, not a general disability policy — commercial personal accident cover typically has a far longer schedule of losses.
Natural death versus accidental death
| Situation | PMSBY position |
|---|---|
| Natural death — illness, heart attack, old age | Not covered PMSBY responds only to accidents. PMJJBY is the scheme that covers death from any cause. |
| Accidental death | Covered ₹2 lakh, subject to scheme conditions and documentation. |
| Death from murder | Covered The official FAQ states murder is covered. |
| Death by suicide | Not covered The official FAQ states suicide is not covered under PMSBY. (PMJJBY differs on this point.) |
| Natural calamity — earthquake, flood | Covered Death or disability from natural calamities falls within the scheme. |
| Permanent total disability from an accident | Covered ₹2 lakh, for the losses specified in the table above. |
| Permanent partial disability from an accident | Covered ₹1 lakh, for the losses specified in the table above. |
| Hospitalisation costs after an accident | Not covered There is no provision for reimbursement of hospitalisation expenses, even where the accident results in death or disablement. |
| Temporary disability, or injury outside the listed losses | Not covered The schedule lists specific permanent losses only. |
What counts as an accident?
Insurance uses a narrower meaning of "accident" than everyday speech. The standard formulation, which PMSBY follows, is an event that is sudden, unforeseen and involuntary, caused by external, violent and visible means. Each word does work:
Sudden and unforeseen
A single identifiable event, not a condition that developed gradually over months or years.
Involuntary
Not intentionally brought about by the insured person — which is the basis on which suicide and self-inflicted injury sit outside the cover.
External, violent and visible means
Something acting on the body from outside, leaving evidence that can be documented — which is why police and medical records matter so much at claim stage.
In practice this is why a claim turns on documentation. The family knows it was an accident; the insurer needs the paperwork that establishes it. That is the single biggest practical difference between a PMSBY claim and a PMJJBY claim.
For the family
PMSBY death claim process
The claim is filed by the nominee — or by the legal heirs where no nomination was made — at the bank or post office branch holding the account through which PMSBY was taken.
Inform the bank or post office promptly
Do this as soon as practical. Claim documentation under the scheme is generally expected to be submitted within about 30 days of the accident, so time matters — confirm the current requirement with the branch.
Obtain the PMSBY claim form
Available at the branch and on the Jan Suraksha portal. There are separate forms for death and disability claims.
Identify who can claim
The nominee named on the enrolment form. Where no nomination was made, the legal heirs may file the claim.
Gather the accident and death documents
This is where most claims stall. The checklist below separates what is normally required from what depends on the circumstances.
Submit through the prescribed channel
At the branch holding the account. Keep an acknowledgement of everything submitted and a copy of each document.
The institution verifies
The bank or post office confirms the account, the enrolment, that the premium was debited and that cover was in force on the date of the accident.
The insurer assesses
The general insurance company examines whether the death meets the scheme's accidental-death conditions on the evidence supplied.
Benefit is paid
Death claims are remitted to the bank account of the nominee or legal heirs. Disability claims are credited to the insured member's own account.
Most searched
PMSBY death claim: documents required
Two lists, kept deliberately separate. Presenting every possible document as mandatory sends families chasing paperwork they may not need — and presenting too few leaves them making a second trip.
Normally required in every death claim
- Completed PMSBY claim form, signed by the nominee or claimant
- Death certificate issued by the competent authority
- Evidence that the death was accidental — usually the police or medical records described below
- Claimant's identity and KYC documents
- Claimant's bank account details — cancelled cheque or passbook copy, since the benefit is remitted to that account
- Details of the account through which PMSBY was taken
Depends on the circumstances
- FIR or police report — where the accident was reported to police, which covers most road, rail and crime-related cases
- Post-mortem report — where a post-mortem was conducted
- Panchanama or inquest report — where prepared by the authorities
- Hospital and treatment records — where the person was treated before death
- Legal heir certificate or succession documentation — where no nomination was made, or the nominee has also died
- Proof of relationship — where the institution asks for it
- Any further document the insurer requires to establish the accidental cause
Why the second list is not simply "also mandatory": the insurer needs to establish that the death was accidental. Which document does that depends entirely on what happened. A road accident generates an FIR; a fall at home may not. Rather than assuming, ask the branch which documents apply to your specific circumstances at the very first visit — it saves the most common cause of delay.
Likely documents by type of accident
| Situation | Likely additional documentation |
|---|---|
| Road accident | FIR or police report, post-mortem report where conducted, and hospital records if the person was treated before death |
| Rail accident | Police and railway authority documentation as applicable, plus post-mortem or inquest records |
| Drowning | Police report, inquest or panchanama, and post-mortem report where conducted |
| Murder | FIR and police investigation documents, post-mortem report |
| Accident treated in hospital before death | Hospital admission, treatment and discharge records establishing the accidental injury |
| Other accidental death | Whatever evidence establishes the accidental cause — which the insurer will specify |
Exact documents depend on the circumstances and current claim requirements. This table indicates what is commonly asked for; it is not a statement that each item is mandatory in every case. Confirm with the participating bank or post office.
Death claim checklist
Tick items off as you gather them. This runs in your browser and nothing is stored.
0 of 11 gathered
Document requirements may vary depending on the cause and circumstances of death and the applicable claim procedure.
Disability
PMSBY disability claim
A disability claim is filed by the member themselves, and the benefit is credited to the member's own account rather than a nominee's.
The process
- The accident occurs and medical treatment begins.
- Keep every medical record from the outset — these become the claim evidence.
- Inform the bank or post office branch holding the account.
- Obtain the PMSBY disability claim form.
- Obtain the disability certificate from the appropriate medical authority.
- Submit the claim with supporting documents at the branch.
- The institution verifies enrolment and premium payment.
- The insurer assesses whether the loss falls within the scheme's schedule.
- If admissible, the benefit is credited to the member's account.
Documents for a disability claim
Normally required
- Completed PMSBY disability claim form
- Disability certificate from the appropriate medical authority — participating banks commonly specify a Civil Surgeon or an authorised government medical officer
- Medical records establishing the accidental injury and the resulting permanent loss
- Member's KYC and bank account details
Depending on circumstances
- FIR or police report, where the accident was reported
- Hospital admission, treatment and discharge records
- Any further documentation the insurer requires
The certificate is the pivot of a disability claim. The insurer is not assessing how badly your life has changed; it is checking whether the loss matches one of the three rows in the benefit schedule. A certificate that describes the injury in general terms may not establish that. Ask the certifying authority to state clearly whether there is total and irrecoverable loss of the specific eye, hand or foot involved. The exact certifying authority and format can vary by bank and insurer — confirm before obtaining it, rather than after.
How long does a claim take?
There is no universally applicable guaranteed timeline that holds for every case. Processing depends on how complete the documentation is, verification by the participating institution, and assessment by the insurer. Police and medical documentation can take time to obtain, and that is usually the longest part.
What is within your control: file promptly, submit complete documents the first time, keep an acknowledgement, and keep copies of everything. Incomplete paperwork is the most common reason a claim sits still.
Ask the branch for the current expected timeline and the escalation route when you file. Both can change, and both are worth knowing before you need them.
Staying covered
Enrolment, renewal and the rules that end cover
How to enrol
- Hold a savings account at a participating bank or post office
- Be aged 18 to 70
- Submit the consent-cum-declaration form with auto-debit authorisation
- Name a nominee
- Premium is debited on or before 1 June for the cover year
Many banks allow enrolment through net banking, mobile apps or SMS. Availability varies — check with your own institution.
Auto-debit and renewal
- Premium is deducted in one instalment on the consent given at enrolment
- Renewal happens automatically while the account holds sufficient balance
- A failed debit means cover simply stops
- Check the passbook for the debit entry each year around late May
When cover terminates
- On attaining age 70, age nearer birthday
- Closure of the account
- Insufficiency of balance to keep the insurance in force
- Where cover was duplicated, it is restricted to one account and the extra premium is liable to be forfeited
Rejoining after a lapse
You may re-enrol in a future year by paying the premium, provided you remain within the age limit of 70. Because PMSBY has no lower entry cut-off separate from its maximum age, rejoining is more forgiving than under PMJJBY — but a lapse still leaves you uncovered for the period in between.
Multiple bank accounts
A person holding several accounts may join through one account only. If premium is inadvertently collected on more than one, insurance cover is restricted to one account and the duplicate premium is liable to be forfeited. Enrolling twice does not double the ₹2 lakh — and only one claim is payable to the insured or nominee.
If the account is closed
Closure of the account terminates the cover, since the premium is debited from it. If you switch banks, enrol afresh at the new institution rather than assuming the cover travels with you.
Compare
PMSBY compared
PMSBY vs PMJJBY
The most confused pair in the Jan Suraksha set. The short version: PMJJBY is life insurance, PMSBY is accident insurance. They answer different questions and are not alternatives.
| Feature | PMSBY | PMJJBY |
|---|---|---|
| Full form | Pradhan Mantri Suraksha Bima Yojana | Pradhan Mantri Jeevan Jyoti Bima Yojana |
| Type | Personal accident insurance | Term life insurance |
| Annual premium | ₹20 | ₹436 |
| Age range | 18–70 | 18–50 entry, cover to 55 |
| Death benefit | ₹2 lakh, accidental death only | ₹2 lakh, death from any cause |
| Natural death | Not covered | Covered |
| Disability benefit | ₹2 lakh total, ₹1 lakh partial | None |
| Suicide | Not covered | Covered per the official FAQ |
| Waiting period | None specified | 30-day lien for non-accidental death |
| Main purpose | Accident death and disability cover | Basic life cover for the family |
Can you hold both? Yes, and for an eligible account holder it is a sensible combination at ₹456 a year total. If death is from illness, PMJJBY responds and PMSBY does not. If death is accidental, both may respond. If an accident causes permanent disability without death, only PMSBY pays. Holding both still is not comprehensive insurance — neither covers hospitalisation, and neither replaces adequate term and health cover.
PMSBY vs commercial personal accident insurance
A commercial personal accident policy typically offers much higher sums insured, a far longer schedule of listed losses, and options PMSBY has none of — temporary total disablement, hospital cash, ambulance cover, education benefits for children. PMSBY's advantages are its ₹20 price and the absence of underwriting. They serve different depths of need; a commercial policy is where you go if disability cover genuinely matters to your household.
PMSBY vs term insurance
Term insurance pays a chosen sum — often ₹50 lakh or more — on death from any cause, and is sized to replace an income and clear liabilities. PMSBY pays ₹2 lakh and only for accidents. It cannot replace term cover and is not meant to. If you have neither, term insurance is the more consequential gap to close first; PMSBY is the ₹20 addition you make alongside it.
PMSBY is insurance, not an investment
Paying ₹20 a year for twenty years does not build ₹400 that comes back to you. There is no maturity corpus, no surrender value and no return of premium.
The premium buys accident protection for one year at a time. If no covered event occurs during that year — which is what everybody hopes — the premium has done its job and is gone, exactly like the premium on a motor policy that you never claimed against.
This also means comparing PMSBY with an FD or a SIP is a category error. Those products return your money with growth. PMSBY returns nothing and instead pays ₹2 lakh in a specific and unwanted circumstance. A household needs both kinds of thing, for entirely different reasons.
The useful frame is what ₹20 protects against, not what ₹20 becomes.
Bigger picture
Where PMSBY fits — and why it is not enough alone
₹2 lakh against the loss of an earning member is a cushion, not a replacement. PMSBY is worth having; treating it as the family's protection plan is the mistake.
The disability point deserves emphasis. A permanent injury that stops someone working but does not match the scheme's three listed losses produces no PMSBY payout at all, while the household loses its income anyway. That is the risk a commercial personal accident or disability income policy exists to cover.
Five illustrative situations
Constructed for explanation. These are not real people or real claims.
Accidental death of an enrolled member
A road accident, cover in force. The nominee approaches the branch, files the claim form with the death certificate and FIR, and the insurer assesses it. ₹2 lakh is remitted to the nominee's account if admissible.
Death from a heart attack
No PMSBY claim arises — this is not an accident. If the person also held PMJJBY and was within its age limit, that scheme would be the one to approach. This single distinction causes more disappointed families than any other feature of the scheme.
Permanent total disability
An accident causes irrecoverable loss of use of both hands. The member files the disability claim with a certificate from the appropriate medical authority. If the loss matches the schedule, ₹2 lakh is credited to the member's own account.
Permanent partial disability
Loss of sight in one eye following an accident falls within the ₹1 lakh row. Eligibility turns on whether the certificate establishes total and irrecoverable loss of that specific eye — not on how disabling the family finds it.
Holding PMSBY and PMJJBY together
₹456 a year. Illness-related death draws on PMJJBY only; an accidental death may draw on both; a disabling accident without death draws on PMSBY only. Understanding which scheme answers which event is the point of holding both.
Enrolled through two banks
Cover is restricted to one account and the duplicate premium is liable to be forfeited. Only one claim is payable. The second ₹20 buys nothing, so it is worth checking your statements if you hold accounts at several banks.
Assessment
Advantages and limitations
Advantages
- Extremely low cost — ₹20 a year for up to ₹2 lakh of accident cover
- Covers disability as well as death, which many cheap products do not
- Wide age range, 18 to 70 — broader than PMJJBY at both ends of working life
- No medical examination to enrol
- Available through banks and post offices nationwide
- Cover is in addition to any other insurance you hold
- Renews automatically while the account is funded
Limitations
- Accidents only — no cover for death from illness or natural causes
- The disability schedule lists only three specific loss categories
- No reimbursement of hospitalisation expenses whatsoever
- ₹2 lakh is modest against the loss of an earning member
- Cover lapses silently if the account balance falls short
- Terminates at 70, and on account closure
- Claims depend heavily on police and medical documentation
- Only one account and one claim; duplicates are forfeited
Ten common PMSBY mistakes
- Assuming PMSBY covers natural death. It does not. Only accidents.
- Confusing PMSBY with PMJJBY. ₹20 accident cover versus ₹436 life cover — different schemes, different risks.
- Treating it as an investment. Nothing comes back if no covered event occurs.
- Letting the balance run short before 1 June. A failed debit ends the cover quietly.
- Never verifying the renewal debit. Check the passbook entry each year.
- Leaving nominee details out of date. Without a valid nomination the family needs legal heir documentation.
- Not understanding the accident conditions. The claim must establish an accidental cause with evidence.
- Not preserving documents. FIR, post-mortem and hospital records are the claim. Keep copies.
- Assuming every disability qualifies. Only the three listed loss categories do.
- Treating ₹2 lakh as sufficient family protection. It is a cushion, not an income replacement.
Tax
PMSBY tax considerations
Be careful here, because a good deal of what circulates online is wrong. PMSBY is a general insurance product covering accident, not a life insurance policy. The ₹1.5 lakh deduction for life insurance premiums — now Section 123 read with Schedule XV of the Income-tax Act, 2025, which replaced Section 80C from 1 April 2026 — is directed at life insurance and other specified savings instruments. Several bank pages nonetheless describe the ₹20 PMSBY premium as qualifying under 80C.
Rather than resolve that on your behalf, the honest position is this: the deduction treatment of the PMSBY premium is not something to rely on without checking, and at ₹20 a year the amount is immaterial in a ₹1.5 lakh ceiling that most taxpayers fill many times over. Enrol for the cover, not the deduction.
On the payout side, personal accident insurance proceeds received on death or disability are generally not treated as taxable income in the claimant's hands, being a receipt of compensation rather than income. Treatment can depend on circumstances.
Tax laws can change. Verify the latest applicable provisions with a qualified tax professional before relying on any tax treatment — particularly the deduction position, which this page deliberately does not assert either way.
Related schemes
PMSBY and the wider scheme ecosystem
Watch
PMSBY explained in simple language
What ₹20 actually covers, why natural death is excluded, the three disability categories, and the documents a family needs to claim.
Questions
Frequently asked questions
What is the full form of PMSBY?
Pradhan Mantri Suraksha Bima Yojana — a Government of India one-year personal accident insurance scheme under the Jan Suraksha umbrella, renewable annually, administered by general insurance companies in partnership with participating banks and post offices.
What is the PMSBY premium?
₹20 per member per year, deducted in one instalment by auto-debit from the designated account on or before 1 June for each annual cover period.
Who is eligible for PMSBY?
Individual savings bank or post office account holders aged 18 to 70 (age nearer birthday) who consent to auto-debit. A person with multiple accounts may join through one account only. NRIs holding an eligible account at a bank branch in India may join, with claims paid in Indian currency.
What is the PMSBY age limit?
18 to 70 years. The accident cover terminates on attaining age 70, age nearer birthday.
What does PMSBY cover?
₹2 lakh for accidental death. ₹2 lakh for total and irrecoverable loss of both eyes, or loss of use of both hands or feet, or loss of sight of one eye together with loss of use of one hand or foot. ₹1 lakh for total and irrecoverable loss of sight of one eye, or loss of use of one hand or foot.
Does PMSBY cover natural death?
No. PMSBY covers death or disability due to accident only. Death from illness, heart attack or any natural cause is outside the scheme. PMJJBY is the scheme that covers death from any cause.
Does PMSBY cover suicide or murder?
According to the official PMSBY FAQ, death due to suicide is not covered, while death from murder is covered. Death or disability from natural calamities such as earthquake and flood is also covered. Note this differs from PMJJBY, which covers death from any reason including suicide.
Are hospitalisation expenses reimbursed?
No. There is no provision for reimbursement of hospitalisation expenses following an accident, even where it results in death or disablement. Only the scheduled death and disability benefits are payable.
What documents are required for a PMSBY death claim?
Normally the completed claim form, death certificate, evidence that the death was accidental, the claimant's KYC and bank account details, and details of the PMSBY account. Depending on circumstances, an FIR or police report, post-mortem report, panchanama or inquest report, hospital records, or legal heir documentation may also be required. Exact requirements vary with the cause of death — confirm with the branch.
What documents are required for a disability claim?
Normally the disability claim form, a disability certificate from the appropriate medical authority — participating banks commonly specify a Civil Surgeon or authorised government medical officer — medical records establishing the accidental injury and resulting permanent loss, plus the member's KYC and account details. An FIR and hospital records may also be needed depending on the case.
Who can claim the PMSBY death benefit?
The nominee or appointee named on the enrolment form. Where the subscriber made no nomination, the legal heirs may file the claim. Death claims are remitted to the bank account of the nominee or legal heirs; disability claims are credited to the insured member's own account.
How long does a PMSBY claim take?
It depends on documentation completeness, verification by the participating institution and assessment by the insurer. Obtaining police and medical records is often the longest step. Claim documentation is generally expected to be submitted within about 30 days of the accident — confirm the current requirement and expected timeline with the branch when filing.
Can I take PMSBY through more than one bank account?
No. A person holding multiple accounts may join through one account only. If premium is inadvertently collected on more than one, cover is restricted to one account and the duplicate premium is liable to be forfeited. The insured or nominee is eligible for one claim only.
What happens if the premium is not deducted?
Cover terminates. Insufficiency of balance to keep the insurance in force is an express ground on which the accident cover ends, as is closure of the account. Keeping the balance available around late May each year is what maintains the cover.
Can I rejoin PMSBY after discontinuing?
Yes, by enrolling again and paying the premium in a future year, provided you remain within the age limit of 70. You are uncovered for the intervening period.
Can I have PMSBY and PMJJBY together?
Yes. They cover different risks — accident versus death from any cause — and together cost ₹456 a year for an eligible account holder. Cover under each is in addition to any other insurance held. They still do not amount to comprehensive protection, since neither covers hospitalisation and neither replaces adequate term insurance.
Is PMSBY an investment?
No. It is pure accident insurance with no investment component, no maturity value and no surrender value. If no covered event occurs, nothing is returned. It should not be compared with an FD or SIP as a return-generating product.
Does PMSBY replace personal accident or term insurance?
No. Commercial personal accident policies offer much higher sums insured and a far wider schedule of losses, and term insurance covers death from any cause at a level sized to your family's needs. PMSBY is a low-cost additional layer rather than a substitute for either.
Understand your accident protection better
Check PMSBY eligibility, understand what the accident benefits actually cover, and keep the right documents ready in case a claim is ever needed.
Sources and verification
Scheme rules last verified: 8 August 2026.
- Department of Financial Services, Ministry of Finance — PMSBY scheme pages: premium, eligibility, cover period, termination grounds, multiple-account rule, NRI eligibility, mode of claim payment, and the position that suicide is not covered while murder is
- Jan Suraksha PMSBY FAQ — nature of the scheme, table of benefits, accident definition, no reimbursement of hospitalisation expenses, one claim only per insured or nominee
- Participating bank scheme documentation for the table of benefits wording and operational claim details, cross-checked across multiple institutions
- PMJJBY comparison figures from the Department of Financial Services PMJJBY FAQ
Where certainty was not available, this page says so rather than guessing. Two points are flagged in the text rather than asserted: the roughly 30-day claim submission window, which appears consistently in participating bank documentation but should be confirmed with the branch; and the deduction treatment of the ₹20 premium, which this page declines to state either way.
Disclaimer: Arthzo provides this page for educational and informational purposes. PMSBY eligibility, premium, coverage, exclusions, claim procedures, documents and other conditions are subject to applicable government notifications and scheme terms and may change. The eligibility checker is illustrative and is not an official eligibility or claim decision. Arthzo is not a government authority, insurance company, bank, insurer or claim settlement agency, and does not sell or earn commission on any product. Actual claims are subject to the prevailing PMSBY rules, insurer assessment and required documentation. Verify the latest information with the participating bank, post office, insurer or official government sources before relying on it.