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Government of India Launches Suraksha Bandhan Drive in a Mission
Mode Through Participating Banks and Insurance Companies to Facilitate
Enrolment Under Pradhan Mantri Suraksha Bima Yojana (PMSBY) and Pradhan Mantri
Jeevan Jyoti Bima Yojana (PMJJBY) Through the Jeevan Suraksha Gift Cheques (Rs.
351), the Suraksha Deposit Scheme (Rs. 201) and Jeevan Suraksha Deposit Scheme
(Rs. 5001) And Atal Pension Yojana (APY), to Ensure Social Security for all Especially
the Poor and Under Previleged Section of Society.
In order to build on the very encouraging
response to the two very affordable and convenient to subscribe insurance
schemes, namely the Pradhan Mantri Suraksha Bima Yojana (PMSBY) for
accident and disability cover of up to Rs.2 Lakh at an annual premium
of Rs.12 and the Pradhan Mantri Jeevan Jyoti Bima Yojana
(PMJJBY) for a term life cover of Rs.2 Lakh at an annual premium
of Rs.330, launched by the Prime Minister Shri Narendra Modi on 9th May 2015, a special
enrolment drive is being launched by participating Banks
and Insurance Companies in the months of August-September, in the
backdrop of the forthcoming festival of Raksha Bandhan. The drive will
reach out to the pool of eligible Bank account holders who are yet to be
enrolled under these schemes.
This “Suraksha Bandhan” drive
aims to take forward the Government’s objective of creating a universal social
security system in the country, targeted especially at the poor and the
under-privileged. The envisaged social security initiative also includes
the Atal Pension Yojana (APY), launched
along with the above two insurance schemes, which addresses the issue of old
age income security by facilitating regular contributions during the working
life of the subscriber for a guaranteed pension at the age of 60, with certain
Government contribution for eligible subscribers who enroll by 31stDecember,
2015.
Participating Banks supported by the
participating Insurance Companies will work towards local outreach, awareness building and
enrolment facilitation during this drive. All eligible citizens are requested
to contact their Bank branches for enrolment.
Public service organizations
supported by peoples representatives, field functionaries of Govt. Departments
/ Ministries working with the unorganized / informal sector and Banks /
Insurance companies are expected to participate in these efforts through outreach
drives, camps etc. in large numbers during this period.
The last date for enrolling under the
PMSBY and PMJJBY schemes has been extended till 30th September,
2015, and persons enrolling within this period would not be required to submit
a certificate of good health for PMJJBY. PMSBY enrolment does not in any event
require any such certification.
The drive envisaged in the backdrop of
Raksha Bandhan, will be supported through the Jeevan Suraksha Gift
Cheques, which will be available for purchase for Rs.351 in Bank
branches by persons wishing to gift them to facilitate one year payment of
premium for PMJJBY and PMSBY by the recipient. The recipient of the gift cheque
would deposit the instrument in his / her bank account for a realizable value
of Rs.342 (Rs.12 + Rs.330) to cover one year subscription to PMJJBY
and PMSBY. The balance of Rs.9 from the purchase price of Rs.351 would be
retained by the issuing Bank as a service charge.
In addition Banks will make available a
facility to account holders under the Suraksha Deposit Scheme and
theJeevan Suraksha Deposit Scheme aimed at enabling them to deposit Rs.201
or Rs.5001, respectively in their accounts either on their own initiative by
cash, regular cheque etc. or based on cash / regular cheques etc. received as
gifts during the festive season of Raksha Bandhan for long term subscription to
PMSBY or to both PMSBY and PMJJBY, respectively.
The Rs.201 deposit envisaged under
Suraksha Deposit Scheme would be used by the individual through his / her Bank
account to reserve Rs.24 for paying two annual payments of Rs.12 each for
PMSBY, at the appropriate time, and the remaining Rs.177 would be in a Fixed
Deposit (FD) for 5 to 10 years for payment of future PMSBY subscriptions from
the interest accrued every year.
Similarly the Rs.5001 deposit under
Jeevan Suraksha Deposit Scheme would be used to reserve Rs.684 for paying two
annual payments of Rs.342 (Rs.12 + Rs.330) each for subscription to PMSBY and
PMJJBY, at the appropriate time, and the remaining Rs.4317 would be kept in FD
for 5 to 10 years for payment of future PMSBY and PMJJBY subscriptions from the
interest accrued every year.
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News Source- Press
information bureau of India
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