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—rti-pmsby-pmjjby-claim [2026/06/03 17:01] (current) – created - external edit 127.0.0.1
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 +{{htmlmetatags>metatag-keywords=(PMSBY PMJJBY claim, suraksha bima, jeevan jyoti, accidental insurance, life insurance claim RTI, micro insurance)&metatag-description=(PMSBY/PMJJBY accident or life insurance claim stuck at bank/insurer? File an RTI under §6(1) RTI Act 2005. Free template, IRDAI escalation.)|Insurer}}
 +
 +
 +
 +====== PMSBY / PMJJBY claim stuck? File one RTI ======
 +
 +{{ :social:auto:rti-pmsby-pmjjby-claim.webp?direct&1200 |Social auto rti pmsby pmjjby claim}}
 +
 +<WRAP info>
 +**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.
 +</WRAP>
 +
 +===== 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 =====
 +<code>
 +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]
 +</code>
 +
 +===== 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.//
 +
 +===== 🔗 Related guides =====
 +  * [[:apply-pmsby-pmjjby-life-insurance-2026|How to apply for PMSBY and PMJJBY — complete 2026 guide]]
 +  * [[:rti-pmvvy-vaya-vandana|PMVVY (Vaya Vandana) stuck? File one RTI to LIC]]
 +  * [[:open-jan-dhan-account-bsbda-2026|How to open a Pradhan Mantri Jan Dhan Yojana account or BSBDA — complete 2026 guide]]
 +  * [[:rti-aadhaar-update-not-reflected|Aadhaar update stuck? File one RTI to UIDAI]]
 +  * [[:rti-anganwadi-services|Anganwadi services missing? File one RTI]]
 +
 +{{tag>pmsby pmjjby suraksha-bima jeevan-jyoti micro-insurance lic irdai citizen-rti section-6-1}}