Pradhan Mantri Jeevan Jyoti Bima Yojana is a scheme related to the health of the citizens of India, which was started by the Government of India on 9 May 2015. This scheme is being run by the private insurance company as well as the Life Insurance Corporation of India through government and private banks.
The meaning of the scheme in simple words is that whoever is registered under this scheme and that person dies due to any reason till the age of 55 years, then under this scheme i.e. PMJJBY other members of his family who are his nominees. Life insurance claims of Rs. 2 lakhs will be given to them through the central government.
Only those individuals will be eligible to take the policy plan under Jeevan Jyoti Bima Yojana, whose age is at least 18 years and the maximum age can be 50 years and the age of maturity of the policy under this plan is 55 years. The families of poor, deprived and backward class people will get insurance amount under the Pradhan Mantri Jeevan Jyoti Bima Yojana, using which they will be able to maintain them.
PMJJBY scheme is playing an important role in the development of the country because under this scheme the family of the deceased person will get a good life as well as help the children to complete their education. Any citizen who wants to take advantage of this Pradhanmantri Jeevan Jyoti Bima Yojana can apply by following the steps given in this article.
The minimum age under the plan should be 18 years and the maximum age should be 50 years and the maturity of the policy will be at the age of 55 years, along with this you have to pay a premium of Rs 330 per year which will be auto from the customer savings account in the month of May every year. -Debit will be done and under Pradhanmantri Jeevan Jyoti Bima Yojana, your insurance cover will start from 1st June of the same year which will be valid till 31st May of next year.
You will not have to undergo any kind of medical examination to take an insurance policy under PMJJBY and at the same time, this scheme will not have any problem in paying premiums to BPL families, EWS and all other low-income citizens because there is a lot of economical fear available for them. Hey. The account of the premium of Rs 330 which is being paid under this scheme is as follows:
- Reimbursement of Administrative Fee of Participating Bank – Rs.11/-
- Reimbursement of Expenses for BC/Micro/Corporate/Agent – Rs.30/-
- Insurance premium to Life Insurance Corporation of India / Insurance Company – Rs. 289 / –
- Total Premium (Total Premium) – Rs 330/- only
Under the Pradhan Mantri Jeevan Jyoti Bima Yojana, more than 10 crore people are registered in the financial year 2021 and let us also tell you that in the year 2020-21, a total death claim of Rs 1134 crore has been paid to 56716 citizens under this scheme. If you also want to secure the future of your family, then become a beneficiary of this life insurance scheme through the bank and if you were already registered under this scheme and have withdrawn from your scheme due to some reason, then you can become the beneficiary of this scheme by showing your healthy self declared form and paying the premium.
In the year 2020, due to the outbreak of the Corona epidemic, the family members of lakhs of people have died due to the virus and the family nominees of those people have also been benefited under this scheme. Therefore, if you also want to secure the future of your family, then definitely buy a policy under the Pradhan Mantri Jeevan Bima Yojana.
330 rupees have been debited by the bank in the month of May from the accounts of the persons who have got themselves registered under Pradhan Mantri Jeevan Jyoti Bima Yojana. But there are many people who have more than one bank account and the premium has been deducted from their different accounts, then in that case you can request your bank to refund the fee.
The premium of the scheme is debited every year in May and the benefit of the scheme is available for 1 year i.e. from June 1 to May 31. To continue taking advantage of the scheme, citizens between the age group of 18 to 50 years will have to get renewed every year through a savings account. Your bank also sends you a reminder message or email so that a sufficient amount i.e. ₹ 330 is available in your account at the time of auto-debit.
The objective of Pradhan Mantri Jeevan Jyoti Bima Yojana is to provide life insurance to the public at the lowest rate and the minimum age to buy the policy is 18 years and the maximum age is 50 years and the age of Maturiyya is 55 years. Under this scheme, on the death of the policyholder, an insurance amount of 2 lakh is provided to the nominee of his family and even if the policyholder registered in this policy dies due to corona infection, he will get the benefit of insurance i.e. up to ₹ 200000. You will get the sum insured.
If any of your close or family member has died due to corona infection, then they will get the benefit of Pradhan Mantri Jeevan Jyoti Bima Yojana only if they have paid a premium of ₹ 330 per annum through savings bank account auto-debit. Therefore, all of you readers are requested to get your insurance done and secure the future of the family.
It is also necessary to tell all of you that it is necessary to know one condition under the Pradhan Mantri Jeevan Jyoti Bima Yojana. That condition is such that if a new person buys a policy under this life insurance scheme or PMJJBY, he will not get any claim cover for the first 45 days and the person registered in the Prime Minister’s insurance scheme will get the claim only after a period of 45 days. will be considered eligible.
In simple words, this means that if you have purchased an insurance policy under this Jeevan Jyoti Yojana, then your claim rights will start only after the completion of 45 days. No claim will be settled by the company in the first 45 days. But an exemption has been given in the scheme, that is, if the applicant dies due to an accident, then in this case the applicant will be paid before 45 days.
- Citizen’s age should be 18 to 50 years only
- You have to pay a premium of Rs.330 per annum
- It is mandatory for the policyholder to have a bank account because your sum insured will be received directly in the bank.
- You have to maintain a balance of Rs 350 in the bank account at the time of auto debit on or before 31st May every year.
- bank account passbook
- identity card
- applicant’s aadhar card
- Passport size photo
- mobile number
If you are also interested in Jeevan Jyoti Bima Yojana, then you can take advantage of this insurance scheme by applying in the following way:
- You must first open the Public Safety website on your laptop or phone.
- Now you have to download PMJJBY APPLICATION FORM .
- After filling all the information asked in the form correctly, you will have to deposit it in the bank with your savings account.
- You will also have to fill this application form together with a consent form and also submit the amount of premium.
- And in this way you will be registered for the scheme, below we have also told the process of claim, read it too.
If you have got your life insurance covered under this plan and have paid the policy premium on time, then you are eligible for the insurance claim.
To take the claim, the nominee of the deceased person has to approach the bank from which the insurance has been done.
Now the nominee will have to get the Pradhan Mantri Jeevan Jyoti Bima Claim Form and Discharge from the bank.
The nominee will have to bank photographs of the death certificate, claim form, discharge receipt and cancelled cheque.
After all the verification of the bank, the amount will be transferred to your account.
Our team has tried to provide you with all the important information related to Pradhan Mantri Jeevan Jyoti Bima Yojana through this article, but still, you are facing any problem, then you can contact Pradhan Mantri Jeevan Jyoti Bima Yojana Helpline Number 18001801111 / 1800110001. You can solve your problem by contacting us.