Pradhan Mantri Suraksha Bima Yojna

Pradhan Mantri Suraksha Beema Yojna: Iski ghosna Finance Minister Arun Jaitley ne 28^th February 2015 ko apne annual budget mein ki. Desh mein atyadhik vargo ko arthik suraksha ka abhaav hai. Humare desh mein samanyata pariwar mein ek hi vyakti pariwar  ko paalta hai, aise mein agar us vyakti par kisi tarah ki vipatti aati hai to pariwar laachar ho  jata hai. Is kaaran Budget mein Pradhan Mantri Suraksha Beema Yojna ko janta ke liye laya gaya hai jis se ki sabhi logo ko Beema ka laabh mil sake jo abhi tak madhyam income class wale logo tak hi laago tha. Is yojna se kam premium par sabhi logo ko Insurance dena hai.

Main Points of Pradhan Mantri Suraksha Beema Yojna:

Pradhan Mantri Suraksha Beema Yojna Ke Lakshya(Objectives):

1)Is yojna ka pramukh lakshya un garibo ko bema ka laabh dena jo mehangi policies nahi le paate aur insurance ke adhikar se vanchit reh jaate hain. Is yojna se sabhi ko jan suraksha ke daayre mein laana hai.

Pradhan Mantri Suraksha Beema Yojna Coverage

1)Is yojna mein accidental death risk ya fir full disability par 2 lakh rupaye insurance amount rahega.

2)Partial Disable hone par 1 lakh rupaye milenge.

3)Fully Disability Mein: Total aur irrecoverable loss ho both eyes ya both hands ya both foot.

4)Partial Disability Mein: Total aur irrecoverable loss ho one eye, one hand ya one foot.

5)Jab death accident se ho us din se 45 days ke andar hi claim karne par bema rashi milegi.

6)Suraksha Beema Cover 70 saal ki age complete hone par automatically band ho jayega.

Pradhan Mantri Suraksha Beema Yojna Ke Visheshtaaye(Features):

1)Life Covered: Policy holder ki Accident ki wajah se death ke baad Nominate kiye gaye vyakti ko 2 lakh rupaye tak ki raashi milegi Ya fir Accident ki wajah se partial disable hone par 1 lakh ki rashi policy holder ko milegi. Suraksha Beema yojna mein Policy holder ki Accident se hone wali death ya phir partial ya fully disable hone par insurance ki rashi claim karne par milegi.

2)Annual Premium: Is bema ki premium rashi 12 rupaye hai, ye hi policy agar aap LIC se le to annual premium 3000 rupaye hoga. Ye rashi aapke account se auto debit hogi.

3)Nomination: Policy lete waqt policy holder ke dwara Nomination ke liiye nominee ki jankari mein sirf nominee ka naam dena jaruri hoga.

4)Many Saving Account: Agar aapke paas ek se adhik Saving Account(Bachat Khata) hai tab bhi aap sirf ek account se hi is yojna ka laabh le payenge.

5)Re-joining: Agar aap ke account mein balance nahi hone ya fir kisi anya wajah se policy ko continue nahi rakh pate tab bhi dubara is policy ko baad mein continue kar sakte hain.

6)Late Joining: Is yojna se judne ki antim date 31^st May 2015 thi lekin agar aap ne abhi tak apply nahi kiya tab bhi aapke paas ek mauka hai, Is yojna se judne ke liye 31^st August 2015 tak date extend ki hai lekin jarurat padne par aapko medical fitness certificate dena hoga.

7)Already have LIC Policy: Agar aapne pehle se koi LIC ya kisi anya jagah se beema policy li hai tab bhi aap Suraksha Beema Yojna se jud sakte hain. Agar aap ek baar Pradhan Mantri Suraksha Beema karwa chuke hain to kisi anya bank se dubara ye hi policy(Pradhan Mantri Suraksha Beema) nahi le payenge.

Pradhan Mantri Suraksha Beema Yojna Ki Yogyata(Eligibility):

1)Age Limit: Is yojna se judne liye 18 se 70 saal tak ki age honi chahiye. Agar aapka birth date 1^st June 1945 se pehle ya fir 1^st June 1997 ke baad ka hai to aap is yojna se nahi jud payenge.

2)Must have Saving Account: Is yojna se judne ke liye aapka bank mein saving account hona jaruri hai.