India has seen a drastic change in the health sector in the past few years. The government has come up with various schemes to provide affordable healthcare to the citizens of the country. One such scheme is the Pradhan Mantri Suraksha Bima Yojana.
The Pradhan Mantri Suraksha Bima Yojana (PMSBY) is a government-backed scheme launched in 2015. The aim of this scheme is to provide affordable and accessible insurance coverage to the citizens of India. It is one of the most popular schemes launched by the government to provide health protection to the citizens.
The scheme provides accidental death and disability coverage of up to Rs. 2 lakh at an annual premium of Rs. 12. It is a government-sponsored scheme and can be availed by any citizen of India between the age group of 18-70 years. However, to avail this scheme, one has to provide the consent of the bank for an auto-debit of the premium amount.
The scheme not only provides protection in case of accidental death or disability but also provides comprehensive health protection.
Comprehensive Health Protection under Pradhan Mantri Suraksha Bima Yojana
Health is an integral part of human life. A healthy life ensures a happy life. However, health problems can strike at any time, and with the increasing healthcare costs, it becomes difficult for individuals to bear the expenses. The government has taken various initiatives to address these concerns, and one such initiative is the PMSBY.
The scheme provides health coverage to individuals who are enrolled under this scheme. It covers hospitalization expenses due to accidents or illnesses. The coverage for hospitalization is up to Rs. 2 lakh per annum.
The scheme also covers the cost of surgeries, medicines, tests, and any other medical expenses that may arise during hospitalization. The scheme is highly beneficial for people who are uninsured and are unable to bear the healthcare costs due to financial constraints.
Health Insurance for Parents
The PMSBY scheme is not only beneficial for individuals but also for their parents. The scheme provides coverage for parents under the age of 70 years. Parents can avail of the health insurance benefits by paying an annual premium of Rs. 12. The health coverage provided under the scheme is up to Rs. 2 lakh per annum.
The health insurance for parents has become a necessity in today’s world. With the increasing cost of healthcare, it becomes difficult for individuals to bear the expenses. Health insurance provides a sense of security and ensures financial stability. It ensures timely and adequate medical assistance, which is essential for a healthy life.
The PMSBY scheme has made it easy for individuals to secure their parents’ health. The low premium amount of Rs. 12 per annum makes it affordable for every individual to enrol their parents under this scheme.
Benefits of PMSBY
The PMSBY scheme provides various benefits to the individuals who enrol under this scheme. Some of the benefits are mentioned below:
- Affordable Premium Amount: The annual premium of Rs. 12 is affordable, making it accessible to every individual.
- Comprehensive Health Coverage: The scheme provides comprehensive health coverage, including hospitalization and other medical expenses.
- Accidental Death and Disability Coverage: The scheme provides accidental death and disability coverage of up to Rs. 2 lakh.
- Easy Enrollment Procedure: The enrollment procedure for the scheme is easy and hassle-free. One can enrol for the scheme by providing the consent of the bank for an auto-debit of the premium amount.
- Health Insurance for Parents: The scheme provides health insurance coverage for parents at an affordable premium amount of Rs. 12 per annum.
- Financial Stability: The scheme ensures financial stability and security to the individuals. It ensures timely and adequate medical assistance, ensuring a healthy life.
Conclusion
The Pradhan Mantri Suraksha Bima Yojana scheme has been launched with the aim of providing affordable and accessible health protection to the citizens of India. The scheme provides comprehensive health coverage, including hospitalization expenses and other medical expenses.
The scheme also provides health insurance coverage for parents at an affordable premium amount of Rs. 12 per annum. The scheme ensures financial stability and security to the individuals and ensures timely and adequate medical assistance, which is essential for a healthy life.
Overall, the PMSBY scheme has been highly beneficial to the citizens of India, making healthcare accessible and affordable to every individual. The scheme has been successful in addressing the healthcare concerns of every individual, ensuring a healthy and happy life.