PMSBY / PMJJBY claim stuck? File one RTI
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.