MCQ

Pradhan Mantri Suraksha Bima Yojana MCQ - Practice Questions with Answers

Solve 5 Pradhan Mantri Suraksha Bima Yojana questions for RAS/RPSC preparation.

Practice questions

Q1Consider the following Assertion (A) and Reason (R): Assertion (A): Accidental death caused by a natural calamity can be covered under the Pradhan Mantri Suraksha Bima Yojana. Reason (R): Natural calamities are treated as accidents when the resulting death or disability meets the scheme's definition. Select the correct answer:

A Both A and R are true, but R is not the correct explanation of A.

B Both A and R are true, and R is the correct explanation of A.

C A is true, but R is false.

D A is false, but R is true.

Explanation

Both the assertion and the reason are true, and the reason explains the assertion. The official coverage rule treats natural calamities as accidents; therefore, death or disability caused by such a calamity is covered when it satisfies the policy's defined accidental-death or disability conditions.

Q2Consider the following statements about the Pradhan Mantri Suraksha Bima Yojana: 1. Accidental death and permanent total disability each carry a benefit of ₹2 lakh. 2. Total and irrecoverable loss of sight of one eye carries a benefit of ₹1 lakh. 3. Hospitalisation expenses following an accident are reimbursed separately. Which of the statements given above are correct?

A 1 only

B 2 and 3 only

C 1, 2 and 3

D 1 and 2 only

Explanation

Statements 1 and 2 reproduce the benefit slabs: accidental death or permanent total disability receives ₹2 lakh, while total and irrecoverable loss of sight of one eye receives ₹1 lakh. Statement 3 is incorrect because the policy provides no separate reimbursement of hospitalisation expenses.

Q3What is the annual premium per member under the Pradhan Mantri Suraksha Bima Yojana?

A ₹12

B ₹20

C ₹200

D ₹436

Explanation

The annual premium is ₹20 per member and is deducted from the subscriber's bank or post-office account in one instalment through auto-debit. This low annual charge purchases renewable personal accident cover; it is not a monthly premium or an extra bank fee.

Q4Which person satisfies the basic enrolment conditions of the Pradhan Mantri Suraksha Bima Yojana?

A A 65-year-old individual savings-account holder who consents to premium auto-debit

B A 17-year-old post-office savings-account holder who consents to auto-debit

C A 72-year-old bank-account holder with sufficient balance

D A 40-year-old person with no participating bank or post-office account

Explanation

Eligible applicants are individual bank or post-office account holders aged 18 to 70 who consent to premium auto-debit. The 65-year-old account holder meets both the age and account-channel conditions. The other cases fail either the age floor, the age ceiling, or the account requirement.

Q5Which one of the following statements about multiple or joint accounts under the Pradhan Mantri Suraksha Bima Yojana is incorrect?

A A person holding several eligible accounts may enrol through only one account.

B Every eligible holder of a joint account may enrol separately and pay the premium per person.

C If premium is debited through two accounts, the insured person becomes entitled to two claims for the same accident.

D Even if premium is inadvertently received through more than one account, insurance cover remains restricted to one account.

Explanation

The scheme follows a one-person, one-account rule. Eligible joint-account holders may enrol individually, but one person cannot multiply cover by using several accounts. If premiums are received through more than one account, the insurance remains limited to one account and only one claim is admissible for the insured person.

You've seen 5 of 5 sample questions

Unlimited practice on Pradhan Mantri Suraksha Bima Yojana comes with the RAS Test Series + Practice pack or Gate Pass.

More topics in Government Schemes

Practice questions

You've seen 5 of 5 sample questions

More topics in Government Schemes

Explore other subjects