PMJJBY and PMSBY Claim Status Check 2026

Reviewed on: 2026-06-19.

Crores of Jan Dhan account holders pay two small annual premiums that together insure them against both death and accident. Before chasing a claim, confirm which cover applies.

PMJJBY is a one-year life insurance scheme. It pays Rs. 2 lakh to a nominee on death from any cause - illness or accident. The bank auto-debits the premium and routes it to an empanelled life insurer (for example, SBI Life Insurance Company Limited).

PMSBY is a one-year personal accident scheme. It pays only when death or disability results specifically from an accident. Illness-related deaths are not covered. General insurers empanelled under the scheme handle these policies.

Both are listed on the official Jan Suraksha portal at jansuraksha.gov.in under the Department of Financial Services, Ministry of Finance. Eligibility: PMJJBY is for ages 18-50 (cover continues to 55 on renewal); PMSBY is for ages 18-70. Both renew annually from 1 June to 31 May.

Annual premiums (auto-debited by 31 May each year):

• PMJJBY: Rs. 436 per year (revised upward in June 2022 - verify against your bank passbook).
• PMSBY: Rs. 20 per year.

PMJJBY 30-day lien: Cover starts 30 days after fresh enrolment for illness-related deaths. Accidental deaths are covered from day one. The lien does not apply on annual renewal.

There is no central online portal where a nominee can enter a claim number and see a live status. Tracking runs through the bank and the insurer.

Step 1: Verify the policy was active. Check the bank account statement for a PMJJBY or PMSBY debit around May-June of the year the event occurred. A policy lapsed due to insufficient balance will not pay. Ask the branch to print the statement if you do not have it.

Step 2: Go to the enrolling bank branch with your documents.

For PMJJBY (death claim): death certificate, nominee's Aadhaar and bank passbook copy, filled PMJJBY claim form (available at the branch or from jansuraksha.gov.in), discharge receipt signed by the nominee.

For PMSBY (accident claim): FIR or police report, death certificate or disability certificate from a competent medical officer, post-mortem report for accidental death, claimant's Aadhaar and bank details, filled PMSBY claim form from jansuraksha.gov.in.

Step 3: Get the claim reference number in writing. The bank forwards your documents to the empanelled life insurer (PMJJBY) or general insurer (PMSBY). That reference number is your tracking handle with the insurer.

Step 4: Call the empanelled insurer directly. The insurer's name appears on the premium debit entry or enrolment confirmation. Call their toll-free helpline with the claim reference number to get the current status and a list of any pending documents.

Step 5: Call the Jan Suraksha helpline if neither the bank nor the insurer gives a clear answer:

• 1800-180-1111 (toll-free)
• 1800-110-001 (toll-free)

State-specific numbers are listed at jansuraksha.gov.in.

The scheme rules do not state a fixed statutory timeline. The general practice is that a complete claim - all required documents received by the insurer - should be settled within 30 days. If 30 days have passed since the insurer received your full document set and you have a claim reference number, escalate formally.

1. Policy lapsed: Insufficient balance on the auto-debit date means no cover for that year.
2. PMSBY limitation: PMSBY pays only for accidents. An illness-related death must be claimed under PMJJBY, not PMSBY.
3. Incomplete documents: The insurer returned the claim for a missing post-mortem report or a wrongly certified disability form, and the bank did not promptly notify the claimant.
4. Bank account mismatch: The payout goes to the account registered at enrolment. A closed or changed account causes the transfer to fail.
5. PMJJBY lien: Death from illness within 30 days of fresh enrolment is excluded. Accidental death is covered from day one.
6. Multiple enrolments: Cover is limited to one policy per scheme per year regardless of how many bank accounts the insured enrolled through.

1. Submit a written complaint to the bank branch manager with your claim reference number and the date of document submission.
2. If unresolved in 30 days, file a written grievance with the insurer's grievance redressal officer. The insurer's address appears on the PMJJBY or PMSBY master policy held by the bank.
3. If the insurer does not respond, escalate to the Insurance Ombudsman in your region via irdai.gov.in.
4. Raise a grievance with the Department of Financial Services at pgportal.gov.in.

Ensure your Aadhaar is correctly seeded to the enrolled bank account before submitting documents - Aadhaar mismatch is among the most common causes of payment failure.

No official public online portal currently exists for real-time claim status tracking under either scheme. Claim status is tracked through the bank and the empanelled insurer. Ask your bank for the claim reference number and contact the insurer directly using that number.

Get the forwarding date and the claim reference number from the bank in writing. Call the insurer's toll-free helpline with that reference number. If the insurer says they never received it, ask the bank to re-transmit. Also call 1800-180-1111 and log the complaint.

If both schemes were active at the time of death, you can claim under both - PMJJBY for Rs. 2 lakh as the life insurance death benefit, and PMSBY for Rs. 2 lakh as the accidental death benefit. The claim forms and processes are separate - one goes to the life insurer (PMJJBY) and the other to the general insurer (PMSBY), both routed through the bank branch. File both at the same time.

Yes, provided you supply the nominee's valid bank account number and Aadhaar when filing the claim. The payment goes to the nominee's account. If the nominee does not yet have a bank account, open a basic savings account or an e-Shram-linked account before submitting documents.

PMSBY covers total permanent disability (loss of both hands or both feet or both eyes) for Rs. 2 lakh, and partial permanent disability (loss of one hand or one foot or one eye) for Rs. 1 lakh. Whether a 50% limb loss qualifies depends on the medical officer's certificate and the insurer's assessment. Fill the disability certificate section in the claim form precisely and ask the insurer for the determination in writing if they reject it.

Bank mergers do not cancel your cover. The successor bank inherits the policy and the claim obligation. Visit the successor branch with your original enrolment acknowledgement. If they cannot trace the record, call 1800-180-1111 and ask which insurer holds the policy.

The scheme rules do not state a hard statutory period. File as early as possible - ideally within 30 days of the insured event - to reduce the risk of missing documents or disputed timelines.

File an RTI to: the bank branch nodal officer and the empanelled insurance company; escalate to the Department of Financial Services

Useful questions to ask:

• Was a valid PMJJBY or PMSBY policy in force for [name], insured under account number [number] at [bank branch], for the period 1 June [year] to 31 May [year]? Provide the policy number and the insurer's name.
• On what date was the claim submitted by the bank branch to the empanelled insurer, and what documents were included in that submission?
• What is the current status of claim reference number [number], and if any documents are pending, what are they and when was the claimant notified?
• If the claim was rejected, what is the written reason for rejection, and what is the internal claims committee's assessment?
• What is the total number of PMJJBY and PMSBY claims received by the insurer from [bank/branch] in the policy year [year-year], how many were settled, how many were rejected, and what is the average settlement time?

→ Use our free AI RTI Drafter to generate a complete Section 6(1) application.

Nominees awaiting EPF payouts can use the same RTI route in parallel. If an Aadhaar seeding issue is blocking credit, resolve it at the bank branch alongside filing the RTI. If the insured held an e-Shram card, check whether that scheme's separate accident benefit also applies.

• Jan Suraksha official portal (jansuraksha.gov.in) - Department of Financial Services, Ministry of Finance; scheme cover and premiums (PMJJBY Rs. 2 lakh, PMSBY Rs. 2 lakh), eligibility ages, the 1 June to 31 May cover cycle, and national toll-free numbers 1800-180-1111 and 1800-110-001 confirmed on this site

By Dr. Shrawan Kumar Pathak