Govt plans to extend PMSBY deadline for claims

News Excerpt: 

The Centre government is working to extend the deadline for unorganised sector workers to claim life and accident insurance cover under Pradhan Mantri Suraksha Bima Yojana (PMSBY).

More about News:

  • The Centre is working to extend the deadline for unorganised sector workers to claim life and accident insurance cover under Pradhan Mantri Suraksha Bima Yojana (PMSBY), 
  • The labour ministry had started a facility that allowed unorganised workers registered on the social security portal e-Shram  between the inception of the database in August 2021 and March 2022 to file claims and avail insurance cover. 
    • Only incidents that occurred after registration on e-Shram in August 2021 and before March 2022 were to be considered for availing the payout. 
    • The deadline to file claims under the facility expired last month. 
  • Under the facility, an online ex-gratia module was developed under e-Shram portal to provide benefits in the form of  ex-gratia of Rs 200,000 for death or severe accident and Rs 100,000 for accident
    • The claim can be initiated by the registered worker himself in case of disability and only legal heirs of the registered workers can initiate the claim in case of death.  
  • The government is also working on a slew of measures to provide benefits to the millions of unorganised sector workers registered on e-Shram, like integrating different portals. 


  • A large number of states are yet to appoint nodal officers that have to accept and process these claims. 
  • Also, the number of claims filed under the facility have been quite low across the 
  • Country.
    • Between August 2021 and March 2022, close to 270 million workers had registered on the portal.
  • Given that a lot of people are still unaware of the facility.
    • The government is considering extending the deadline for the facility so that the people who faced hardships during the Covid period can get some relief.

Pradhan Mantri Suraksha Bima Yojana (PMSBY)

  • Scheme: PMSBY is a one-year accidental insurance scheme renewable from year to year offering coverage for death or disability due to accident.
  • Eligibility: Persons in the age group of 18-70 years having an individual bank or a post office account are entitled to enroll under the scheme.
  • Benefits: Accidental death cum disability cover of Rs.2 lakh (Rs.1 lakh in case of partial disability) for death or disability due to an accident against a premium of Rs.20/- per annum.
  • Enrolment: Enrolment under the scheme can be done by visiting the branch/ BC point or website of the bank of the account holder or at the post office in case of a post office savings bank account. 
  • The premium under the scheme is auto debited every year from the subscriber’s bank account based on a one-time mandate from the account holder.



  • Accordingly, the Ministry of Labour & Employment has developed eShram portal for creating a National Database of Unorganized Workers (NDUW), which will be seeded with Aadhaar. 
  • It will have details of name, occupation, address, occupation type, educational qualification, skill types etc. for optimum realization of their employability and extend the benefits of the social security schemes to them. 
  • It is the first-ever national database of unorganised workers including migrant workers, construction workers, gig and platform workers, etc.
  • The objective behind the e-Shram portal was the idea of creating a national database capturing the unorganised universe including workers ranging from agriculture and construction to new economy or gig. 

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