With reference to the Pradhan Mantri Suraksha Bima

Solution

• Statement 1 – Correct: PMSBY was launched in May 2015, offering ₹2 lakh insurance coverage for accidental death or full disability, with an annual premium of just ₹20. • Statement 2 – Correct: To maximize outreach, PMSBY was integrated with the Pradhan Mantri Jan Dhan Yojana (PMJDY). This enabled auto-debit enrolment, particularly helping the rural and unorganised sector access insurance seamlessly. • Statement 3 – Correct: National Insurance Company (NIC) has played a leading role, accounting for 38% of enrolments and 40% of claim settlements, disbursing around ₹1,000 crore. • Statement 4 – Incorrect: PMSBY is not restricted to people above 40 years of age. In fact, it covers a much wider age group (18–70 years in the actual scheme design). The news report itself emphasizes that it primarily benefits the rural and unorganised sector, but without such an upper limit condition. Thus, the correct answer is 1, 2 and 3 only.