Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)

Scheme Introduction: A Brief Introduction

Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) is a life insurance scheme launched by the Government of India on 9 May 2015 to provide financial security to families in the event of the death of an earning member. The scheme is administered by the Department of Financial Services under the Ministry of Finance and is implemented through participating banks, post offices, the Life Insurance Corporation of India (LIC), and other approved life insurance companies.

The primary objective of PMJJBY is to increase access to affordable life insurance among citizens who may not have adequate financial protection. The scheme is particularly beneficial for low-income households, workers in the unorganized sector, small farmers, and individuals who do not have access to traditional insurance products. By offering insurance coverage at a nominal annual premium, the government aims to strengthen social security and reduce the financial burden on families after the loss of a breadwinner.

Under the scheme, an insurance benefit of Rs. 2 lakh is payable to the nominee upon the death of the insured member, irrespective of the cause of death. Whether the death occurs due to illness, natural causes, or an accident, the nominee remains eligible to receive the insured amount subject to the terms and conditions of the scheme. This feature makes PMJJBY one of the most accessible life insurance initiatives available to the general public.

The insurance cover remains valid for a period of one year from 1 June to 31 May and can be renewed every year through the auto-debit facility linked to the subscriber's savings bank account or post office account. Individuals between 18 and 50 years of age can enrol in the scheme. Once enrolled, subscribers can continue renewing their coverage up to the age of 55 years, provided the premium is paid regularly and other eligibility conditions are fulfilled.

Pradhan Mantri Jeevan Jyoti Bima Yojana forms an important part of the Government of India's social security framework. Since its launch, the scheme has helped extend insurance coverage to millions of citizens across rural and urban areas. Its simple enrolment process, affordable premium, and assured life cover have made it one of the most popular insurance schemes available through banks and post offices in India.

Citizens interested in securing financial protection for their families can enrol in PMJJBY through their participating bank or post office. Individuals looking for more comprehensive social security coverage can also subscribe to Pradhan Mantri Suraksha Bima Yojana (PMSBY), a government-backed accident insurance scheme that provides financial assistance in case of accidental death or disability. Since both schemes are available at a highly affordable premium, many subscribers choose to enrol in PMJJBY for life insurance coverage and PMSBY for accident insurance benefits, thereby ensuring broader financial protection for themselves and their families.

Scheme Benefits

• Life insurance cover of Rs. 2,00,000 is provided to the nominee in case of the subscriber's death.
• Coverage is available regardless of the cause of death.
• Affordable annual premium of Rs. 436.
• Easy enrolment through participating banks and post offices.
• Premium is automatically deducted through the auto-debit facility.
• Coverage can be renewed every year up to the eligible age limit.

Key Features Of The Scheme

• PMJJBY is a government-backed social security scheme that provides affordable life insurance coverage to eligible citizens.
• The scheme offers a life insurance cover of Rs. 2 lakh to the nominee in case of the subscriber's death.
• It is a yearly renewable life insurance scheme administered through participating banks, post offices, LIC, and other approved life insurance companies.
• The annual PMJJBY premium is Rs. 436 per subscriber.
• The premium is deducted automatically through the auto-debit facility from the designated bank or post office account.
• Individuals aged between 18 and 50 years are eligible to enrol in the scheme.
• Subscribers can continue renewing their coverage up to the age of 55 years, subject to successful premium deduction.
• Aadhaar serves as the primary KYC document for enrolment under PMJJBY.
• Enrolment can be completed through a participating bank branch, post office, internet banking, or mobile banking platform, where available.
• Individuals who discontinue their coverage can rejoin the scheme in future years, subject to the applicable conditions.
• A 30-day lien period applies to fresh enrolments and re-enrolments under the scheme.
• Subscribers can enrol in PMJJBY through only one eligible bank account or post office account.

Eligibility Criteria

• Every Indian Citizen is Eligible.
• The Age of Person should be between 18 Years to 50 Years.
• The applicant should have a savings bank account or a post office account.
• Bank/ Post Office Account should be linked with the Person's Aadhar Number.

Coverage Period and Lien Period

• The insurance cover remains valid for one year from 1 June to 31 May.
• The policy is renewable every year through auto-debit of the premium.
• Subscribers joining for the first time on or after 1 June 2021 are subject to a 30-day lien period.
• During the lien period, claims arising from death due to causes other than accidents are not admissible.
• Accidental death claims remain covered during the lien period.
• The 30-day lien period also applies to subscribers who exit and subsequently rejoin the scheme.

Required Documents

• Aadhaar Card.
• Savings Bank Account or Post Office Account details.
• Duly filled PMJJBY Enrolment-cum-Consent Form.
• Nominee details.
• Any additional KYC documents required by the bank or post office.

Steps to Apply

Eligible individuals can enrol in Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) through their participating bank or post office account. Depending on the facilities provided by the bank, enrolment can be completed either by visiting the branch or through internet/mobile banking channels.

Apply by visiting a Bank Branch or Post Office

• Visit the nearest participating bank branch or post office.
• Request the PMJJBY Enrolment-cum-Consent Form.
• The enrollment form is available in different languages, whose links are given here:
  • English.
  • Hindi. (हिन्दी)
  • Bangla. (বাংলা)
  • Gujarati. (ગુજરાતી)
  • Kannada. (ಕನ್ನಡ)
  • Marathi. (मराठी)
  • Odiya. (ଓଡ଼ିଆ)
  • Tamil. (தமிழ்)
  • Telugu. (తెలుగు)
• Fill in the required personal details and nominee information.
• Provide consent for auto-debit of the applicable premium from your account.
• Submit the completed form along with any documents required by the bank or post office.
• The premium amount will be deducted from the linked account.
• Upon successful enrolment, insurance coverage will commence as per the scheme guidelines.

Apply through Net Banking or Mobile Banking

• Log in to your internet banking or mobile banking account.
• Navigate to the Government Schemes, Insurance Services, Social Security Schemes, or PMJJBY section.
• Select Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY).
• Verify your account details and nominee information.
• Read and accept the declaration and auto-debit authorization.
• Submit the online enrolment request.
• The annual premium will be automatically deducted from the selected account.
• After successful registration, the insurance cover will become effective according to the scheme rules.

Applicants can enrol in PMJJBY at any time during the year. However, enrolment after the annual renewal period may attract the applicable pro-rata premium and other conditions prescribed under the scheme.

Consent and Auto-Debit Authorization

To enrol in Pradhan Mantri Jeevan Jyoti Bima Yojana, an applicant must provide consent to join the scheme and authorize the participating bank or post office to automatically deduct the applicable premium from the designated account. The consent is provided through the prescribed enrolment-cum-consent form or through electronic authorization while enrolling via internet banking or mobile banking.

• The subscriber must provide consent to join PMJJBY.
• The subscriber must authorize auto-debit of the premium from the selected bank or post office account.
• The consent remains valid for annual renewal unless cancelled by the subscriber.
• Participating banks and post offices retain the enrolment and consent records for administrative and claim settlement purposes.
• Subscribers should ensure that the account remains active and adequately funded for premium deduction.

PMJJBY Premium Deduction Date and Renewal Process

The annual premium under Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) is collected through the auto-debit facility linked to the subscriber's bank or post office account. The PMJJBY premium is generally deducted once every year during the renewal cycle to ensure uninterrupted insurance coverage.

• The annual PMJJBY premium is Rs. 436 per subscriber.
• The premium is deducted automatically from the enrolled bank or post office account through the auto-debit facility.
• The PMJJBY renewal date is 1 June every year, and the insurance cover remains valid up to 31 May of the following year.
• Subscribers should maintain sufficient account balance before the premium deduction date to avoid interruption of coverage.
• If the PMJJBY premium is not successfully deducted due to insufficient balance or any other reason, the insurance cover may lapse.
• The PMJJBY renewal process is automatic for subscribers who have provided consent for auto-debit and maintain adequate funds in their account.
• Policyholders can continue renewing their PMJJBY coverage every year up to the eligible age limit, subject to compliance with scheme guidelines.
• Subscribers joining after the annual renewal period may be required to pay the applicable pro-rata premium as prescribed under the scheme.

What if PMJJBY Premium is Deducted from Multiple Accounts?

Individuals who maintain more than one savings bank account or post office account should note that PMJJBY benefits can be availed through only one account. The scheme does not permit multiple insurance covers for the same individual.

• A person having multiple bank accounts or post office accounts is eligible to enrol through only one account.
• If a subscriber is inadvertently enrolled through more than one account, the total insurance cover will be restricted to Rs. 2 lakh only.
• Any duplicate premium collected for additional enrolments may be forfeited as per scheme rules.
• Subscribers should ensure that they remain enrolled through a single designated account to avoid complications during claim settlement.
• The Aadhaar-linked account used for enrolment should be maintained properly for smooth administration of the scheme.

PMJJBY Certificate Download

After successful enrolment in Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), subscribers may receive a Certificate of Insurance, Acknowledgement Slip, or Policy Certificate from their participating bank or post office. The certificate serves as proof of enrolment under the scheme and may be required for future reference or claim-related purposes.

The availability of the PMJJBY certificate download facility depends on the participating bank. Some banks allow subscribers to download the certificate through internet banking or mobile banking, while others may provide it through email or at the branch level upon request.

How to Download PMJJBY Certificate Online?

• Visit the Jan Suraksha Portal.
• On the homepage, click on the "Policy Search" option.
• Enter your Bank Account Number and Date of Birth in the prescribed fields.
• Select Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) from the list of schemes.
• Choose your bank from the available list of participating banks.
• Read the Privacy Policy, Terms & Conditions, and Disclaimer carefully.
• Tick the declaration checkbox to confirm your acceptance.
• Click on the "Submit" button to proceed.
• Your PMJJBY Insurance Certificate will be displayed on the screen.
• Download and save the PMJJBY Certificate PDF for future reference and claim-related requirements.

How to Get PMJJBY Certificate from Bank Branch?

• Visit the bank branch or post office through which you enrolled in the scheme.
• Request a copy of your PMJJBY Insurance Certificate or enrolment acknowledgement.
• Provide your account details and identification documents if required.
• The bank or post office may issue a duplicate certificate, an acknowledgement slip, or policy details based on its internal procedures.

If you are unable to locate your PMJJBY certificate online, you should contact your bank's customer care service or visit the branch where you enrolled in the scheme for assistance.

When Does PMJJBY Coverage Terminate?

• On attaining the age of 55 years, subject to annual renewal up to that age.
• Closure of the linked bank or post office account.
• Insufficient account balance resulting in non-payment of premium.
• If insurance coverage is obtained through multiple accounts, the total coverage will be restricted to Rs. 2 lakh and duplicate premiums may be forfeited.
• Non-renewal of the scheme due to non-payment of premium.
• If PMJJBY coverage lapses due to insufficient account balance or voluntary exit, the subscriber can rejoin the scheme.
  • The applicable premium must be paid at the time of rejoining.
  • The insurance cover will be treated as a fresh enrolment.
  • The 30-day lien period will apply after reinstatement.

PMJJBY Premium for Late Enrolment

Individuals can join PMJJBY throughout the year. However, applicants enrolling after the annual renewal period may be required to pay a pro-rata premium based on the month of enrolment. The applicable PMJJBY premium rates are given below:

PMJJBY Claim Process

In the event of the death of a Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) subscriber, the registered nominee can submit a claim to receive the insurance benefit of Rs. 2 lakh. The claim should be submitted through the bank or post office where the deceased subscriber was enrolled under the scheme.

How to Claim PMJJBY Insurance Amount?

• Inform the bank branch or post office where the deceased subscriber was enrolled under PMJJBY.
• Obtain the PMJJBY Claim Form and Discharge Receipt from the bank, post office, or Jan Suraksha Portal.
• Fill in the claim form with the required details of the deceased subscriber and nominee.
• Attach the required documents, including the death certificate and identity proof of the nominee.
• Submit the completed claim application to the concerned bank branch or post office.
• The bank or post office will verify the claim documents and forward the claim to the concerned insurance company.
• After verification and approval by the insurance company, the claim amount will be credited to the nominee's bank account.

Documents Required for PMJJBY Claim

• Duly filled PMJJBY Claim Form.
• Death Certificate of the deceased subscriber.
• Discharge Receipt signed by the nominee.
• Identity proof of the nominee.
• Bank account details of the nominee.
• Any other documents requested by the bank or insurance company for claim verification.

The insurance benefit under PMJJBY is payable irrespective of the cause of death, subject to fulfilment of the scheme conditions and successful verification of the claim documents.

Claim Forms

The following are the Claim Forms of Pradhan Mantri Jeevan Jyoti Bima Yojana in different languages

• English.
• Hindi. (हिन्दी)
• Bangla. (বাংলা)
• Gujarati. (ગુજરાતી)
• Kannada. (ಕನ್ನಡ)
• Marathi. (मराठी)
• Odiya. (ଓଡ଼ିଆ)

Relevant Links

• JanDhan se Jan Suraksha Website.
• Department Of Financial Services.
• Pradhan Mantri Jeevan Jyoti Bima Yojana Guidelines.

Contact Information

• National Toll Free Number:-
  • 18001801111.
  • 1800110001.
• State Wise Toll Free Number