PMSBY / PMJJBY claims — the timeline the insurer owes you

The two Jansuraksha schemes are the largest insurance cover most Indian households hold, auto-debited once a year and forgotten until the family needs them. The premiums are correct as above — PMJJBY moved from ₹330 to ₹436 and PMSBY from ₹12 to ₹20 in 2022, and those are the current rates. What families discover at claim time is that the paperwork is short, the timelines are statutory, and the bank's counter is not the last word.

1. **Intimate the enrolment bank in writing** at the earliest, with the policyholder's death or disability certificate; the bank forwards to the insurer.
2. **Submit the claim form** — PMSBY accident claim or PMJJBY death claim — from jansuraksha.gov.in or the insurer, with the certificate, nominee details and account particulars.
3. **Take a receipt** for the complete claim set, dated. Every clock in the regulations runs from a complete intimation.
4. **One PMJJBY condition to know:** death by natural cause within 45 days of enrolment is not covered; accidental death is covered from day one.

1. Insurer's grievance officer — 15 days to respond; keep the docket number.
2. Bima Bharosa — the IRDAI grievance portal; unresolved dockets escalate to the insurer's ombudsman function.
3. Insurance Ombudsman — for claims rejected or delayed beyond the statutory timelines; free, paper-based, no lawyer needed.
4. RTI for the government side — the bank's forwarding record, the enrolment data and the premium reconciliation are with public authorities; the claim file inside a private insurer is reached through the Ombudsman's summons, not the RTI Act.

1. The date my PMJJBY / PMSBY premium of Rs 436 / Rs 20 was
   auto-debited for the year _____, and the date it was remitted
   to the insurer, from the records of _____ bank.
2. A copy of the enrolment data transmitted for my account,
   including nominee particulars as recorded.
3. The date my claim intimation dated _____ was forwarded by the
   branch to the insurer, and to whom.
4. The name of the empanelled insurer for my bank for this
   scheme year.
5. The number of PMJJBY / PMSBY claims forwarded by this bank in
   the last 12 months, and how many were settled within the
   IRDAI timelines.

Real example. After her grandfather's death, Kashvi Pathak's family was told the PMJJBY claim “had no cover” — the bank believed the premium had not been debited. The RTI above produced the debit record and the remittance date to the insurer. Cover reinstated on paper, the claim was re-filed, and settlement followed inside the 15-day no-investigation window the regulations set.

PMSBY ₹20 a year; PMJJBY ₹436 a year — rates revised with effect from 1 June 2022 and continuing.

Fifteen days to settle a death claim where no investigation is needed; forty-five days from intimation where investigation is warranted. Delay attracts interest at bank rate plus 2%.

On jansuraksha.gov.in for both schemes, and with every empanelled insurer; the bank branch accepts the completed set.

No — PMJJBY covers natural death only after 45 days from enrolment; accidental death is covered immediately.

Private insurers are outside the RTI Act; the bank and the scheme machinery are inside. Reach the claim file through the Ombudsman, and use RTI for the bank-side record.

• How to enrol in PMSBY and PMJJBY
• Consumer helplines and grievance routes
• Banking Ombudsman — banking failures
• The RTI Playbook book

• Jansuraksha — PMSBY and PMJJBY official portal
• PIB — Jansuraksha schemes, revised premiums effective 1 June 2022
• IRDAI — Protection of Policyholders' Interests Regulations, 2024 and Master Circular

Last reviewed: 26 August 2026. Premiums verified against the Jansuraksha portal and the PIB release of May 2022; claim timelines verified against the IRDAI Protection of Policyholders Interests framework of 2024 this run. The old page cited a 30-day settlement rule superseded by the 2024 timelines and carried an untraceable NCDRC citation; both have been removed.