PM Jeevan Jyoti Bima Yojana (PMJJBY) — Rs 2 lakh life cover @ Rs 436/year (2026)

• Indian resident, age 18-50 entry (cover till age 55)
• Active savings bank account
• Aadhaar (recommended)
• Premium auto-debit annually

Rs 2 lakh on death from any cause (illness, accident, natural). Premium Rs 436/year auto-debited in May. Cover continues till age 55 with annual renewal.

1. Activate at your bank — Branch or online banking.
2. Choose insurer + nominee — Bank is tied up with insurer (LIC / SBI Life etc.).
3. Premium auto-debit — Rs 436 in May each year.
4. Claim by family — Within 30 days of death; bank forwards documents to insurer.
5. Settlement in 15 days — After complete documents (death certificate, KYC, claim form).

• Aadhaar
• Active savings account
• Nominee

Coverage from premium debit. Claim: 15 days post-documents.

• Official portal: jansuraksha.gov.in
• Helpline: PMJJBY: contact your bank

• Premium not debited — insufficient balance; cover lapses.
• Claim denied within 45 days of joining — initial waiting period for non-accidental death.
• Cover stops at age 55 — switch to APY for pension.
• Want higher cover — combine with private term plan; PMJJBY is a baseline.

Most “delays” or “rejections” clear within 7-15 days of an RTI being filed. Use this 5-question template:

1. Status of my application no. _____ dated _____ as on date.
2. Name + designation of dealing officer assigned to my file.
3. Reasons for delay beyond the statutory timeline.
4. Copy of any noting / movement of my file in the past 30 days.
5. Likely date of disbursement / decision.

Auto-fill the PIO + your case: Open the AI RTI Drafter →

More schemes for you: All unorganised workers schemes

Yes — natural, illness, accident. Suicide covered after 1 year.

Only ONE PMJJBY per person; duplicates rejected.

Cover till age 55. Re-enrolment not possible after exit.

Premium paid is exempt under Section 80C up to limit; non-refundable.

• All 150 Sarkari Yojanas
• 25 status-check guides
• 30 documents-required checklists
• 25 how-to-apply guides
• 16 rejection-recovery guides
• 10 audience-hub schemes
• 32 helplines + grievance routes
• Full RTI Playbook

• Official portal: jansuraksha.gov.in
• Issued by: Ministry of Finance
• Launched: 2015
• Citizen feedback via %%AwaazRTI%% (composite, identifying details removed)

Last reviewed: 26 April 2026.