PMSBY / PMJJBY claim stuck? File one RTI

Quick Reply: PMSBY/PMJJBY accident or life insurance claim stuck at bank/insurer? File an RTI under §6(1) RTI Act 2005. Free template, IRDAI escalation.

Short version. PMSBY (Pradhan Mantri Suraksha Bima Yojana — ₹2L accident, ₹20/yr) and PMJJBY (Pradhan Mantri Jeevan Jyoti Bima Yojana — ₹2L life, ₹436/yr) are micro-insurance schemes via PSBs/insurers. Claim SLA: 30 days. If stuck at bank or insurer, RTI to PIO of bank + insurer + IRDAI with ₹10 fee legally forces written reply within 30 days under §7(1) RTI Act 2005.

Real story

After her husband's accident death, Saroja filed PMSBY claim. “Pending verification” for 3 months. RTI to bank + LIC + IRDAI. 20 days later insurer replied: death certificate format issue; corrected; ₹2L credited.

Statute

- PMSBY/PMJJBY Scheme Notifications 2015. - IRDAI Act 1999 + Master Circular on Claim Settlement. - §6(1) + §7(1) RTI Act.

Copy-ready RTI

To, PIO, [Bank Branch] + [Insurer LIC/PSU] + IRDAI, [Address]

Subject: §6(1) RTI Act — PMSBY/PMJJBY claim status

   Insured name   : [Deceased name]
   Bank account   : [Last 4 digits]
   Policy        : PMSBY / PMJJBY
   Date of incident: DD-MM-YYYY
   Claim filing date: DD-MM-YYYY
   Nominee name   : [Name]

Please provide:
1. Current status + stage.
2. Document deficiency (if any).
3. Reason for delay beyond 30-day claim SLA.
4. Name + designation of dealing officer (insurer + bank).
5. IRDAI grievance procedure.

Citizen. Fee: ₹10 IPO/DD enclosed.
[Name + signature + address + date]

Common scenarios

- Death certificate format dispute. - FIR (accident) requirement for PMSBY. - Premium auto-debit failure → revival procedure. - Nominee dispute — bank's nomination form.

Case law

- CIC PMSBY v. DFS (2019) — disclosure of state-wise claim pendency. - Insurance Co v. Nominee (NCDRC) — IRDAI claim SLA enforceable.

FAQs

Both PMSBY + PMJJBY for same person?

Yes — separate covers, both claimable.

Premium auto-debit lapsed?

Revival procedure within 60 days.

Conclusion

Micro-insurance for the underbanked; RTI fixes claim delays at bank-level.

Sources

- PMSBY/PMJJBY Notifications 2015. - IRDAI Act 1999.

Last reviewed: 24 April 2026.

pmsby, pmjjby, suraksha-bima, jeevan-jyoti, micro-insurance, lic, irdai, citizen-rti, section-6-1

Reader signal

Was this article useful?

Tap once if it helped you. These counters show other citizens which pages are worth reading.

- views