The pradhan mantri bima yojana covers?

Appeared in: NORCET-7 Mains-2024

Explanation

The Pradhan Mantri Suraksha Bima Yojana (PMSBY) is a government accident insurance scheme.
Its primary purpose is to provide coverage for both death and disability resulting from an accident.
The scheme offers a sum of ₹2 Lakh for accidental death and total disability, and ₹1 Lakh for partial disability.
Therefore, the option that includes both 'death and disability' is the most accurate and complete description of the scheme's coverage.

Option A: This option is incomplete. While the scheme does cover death after an accident, it also provides coverage for disability.
Option B: This option is both incomplete and uses imprecise terminology. The scheme covers death in addition to disability, and it uses the specific terms 'total and partial disability' rather than the general term 'handicapped'.
Option D: This option is incomplete. The scheme's coverage is not limited to disability; it also includes a significant death benefit.

Visual 1: Infographic: A comparative chart showing the key features of Pradhan Mantri Suraksha Bima Yojana (PMSBY) and Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), highlighting differences in coverage, premium, age limit, and benefit type.

Clinical Relevance

Nursing practice connection: This is primarily an exam-oriented knowledge point with limited direct bedside application, so retain Coverage of Pradhan Mantri Suraksha Bima Yojana (PMSBY) as background academic context rather than a clinical decision trigger.
Community health nurses should be aware of such government schemes to guide and educate families, especially those from vulnerable sections, about social security and financial protection available to them.
In the event of a patient's accidental death or disability, knowledge of this scheme allows the nurse to inform the family about potential financial aid, which can be crucial during a crisis.
What if the question was about Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)? The correct answer would then relate to life insurance covering death from any cause, not just accidents.

How to Approach the Question

First, identify the keyword in the question: 'pradhan mantri bima yojana'. Recognize this as a question about a specific government social security scheme.
Recall or deduce the specific scheme being referred to. The options mentioning 'accident' point towards the Pradhan Mantri Suraksha Bima Yojana (PMSBY).
Analyze the core benefit of the scheme. PMSBY is an accident insurance, which typically covers both death and disability.
Evaluate each option for completeness. Options that mention only 'death' or only 'disability' are likely incomplete.
Select the option that most comprehensively describes the scheme's benefits, which is the coverage for both death and disability.

Concept Tested & Keywords

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