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PM Jeevan Jyoti Bima Yojana (PMJJBY)

Rs 2 lakh life insurance (any cause of death) for just Rs 436/year. Auto-debit from bank account. * Indian resident, age 18-50 entry (cover till age 55) * Active.

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—yojana:pmjjby-jeevan-jyoti [2026/05/05 04:27] (current) – created - external edit 127.0.0.1
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 +{{htmlmetatags>
 +metatag-keywords=(pmjjby, pradhan mantri jeevan jyoti, life insurance scheme, pmjjby claim)
 +metatag-description=(Rs 2 lakh life insurance (any cause of death) for just Rs 436/year. Auto-debit from bank account. * Indian resident, age 18-50 entry (cover till age 55) * Active.)
 +}}
  
 +====== PM Jeevan Jyoti Bima Yojana (PMJJBY) ======
 +{{:social:auto:yojana-pmjjby-jeevan-jyoti.png?direct&1200 |PM Jeevan Jyoti Bima Yojana (PMJJBY) — RTI Wiki}}
 +
 +<WRAP info>
 +**Rs 2 lakh life cover (any cause of death) for premium Rs 436/year (auto-debit).**
 +
 +**Launched:** 2015  ·  **Issued by:** Ministry of Finance
 +</WRAP>
 +
 +===== Who is eligible =====
 +  * Indian resident, age 18-50 entry (cover till age 55)
 +  * Active savings bank account
 +  * Aadhaar (recommended)
 +  * Premium auto-debit annually
 +
 +===== What you get =====
 +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.
 +
 +===== How to apply (step-by-step) =====
 +  - **Activate at your bank** — Branch or online banking.
 +  - **Choose insurer + nominee** — Bank is tied up with insurer (LIC / SBI Life etc.).
 +  - **Premium auto-debit** — Rs 436 in May each year.
 +  - **Claim by family** — Within 30 days of death; bank forwards documents to insurer.
 +  - **Settlement in 15 days** — After complete documents (death certificate, KYC, claim form).
 +
 +===== Documents needed =====
 +  * Aadhaar
 +  * Active savings account
 +  * Nominee
 +
 +===== Timeline =====
 +Coverage from premium debit. Claim: 15 days post-documents.
 +
 +===== Portal + helpline =====
 +  * **Official portal:** [[https://jansuraksha.gov.in|jansuraksha.gov.in]]
 +  * **Helpline:** PMJJBY: contact your bank
 +
 +===== Common issues =====
 +  * 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.
 +
 +===== Benefit delayed or rejected? File an RTI =====
 +
 +Most "delays" or "rejections" clear within 7-15 days of an RTI being filed. Use this 5-question template:
 +
 +<code>
 +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.
 +</code>
 +
 +**Auto-fill the PIO + your case:** [[:citizen-rti-playbook|Open the AI RTI Drafter →]]
 +
 +**More schemes for you:** [[:audience:unorganised-workers|All unorganised workers schemes]]
 +
 +===== Frequently asked questions =====
 +==== Death from any cause covered? ====
 +Yes — natural, illness, accident. Suicide covered after 1 year.
 +
 +==== What if I have multiple accounts? ====
 +Only ONE PMJJBY per person; duplicates rejected.
 +
 +==== Maximum age? ====
 +Cover till age 55. Re-enrolment not possible after exit.
 +
 +==== Premium taxable / refundable? ====
 +Premium paid is exempt under Section 80C up to limit; non-refundable.
 +
 +===== Summary + next step =====
 +
 +<WRAP center round tip 90%>
 +**Bottom line:** Rs 2 lakh life cover (any cause of death) for premium Rs 436/year (auto-debit). Apply at **jansuraksha.gov.in**. If delayed beyond timeline, file an RTI — most cases clear within 15 days.
 +
 +  * **Apply now:** [[https://jansuraksha.gov.in|jansuraksha.gov.in]]
 +  * **If delayed — RTI Drafter:** [[:citizen-rti-playbook|File RTI in 5 minutes]]
 +  * **Browse all 150 yojanas:** [[:yojana:start|Sarkari Yojana index]]
 +</WRAP>
 +
 +===== Related =====
 +  * [[:yojana:start|All 150 Sarkari Yojanas]]
 +  * [[:check-status:start|25 status-check guides]]
 +  * [[:documents:start|30 documents-required checklists]]
 +  * [[:how-to-apply:start|25 how-to-apply guides]]
 +  * [[:rejection-recovery:start|16 rejection-recovery guides]]
 +  * [[:audience:start|10 audience-hub schemes]]
 +  * [[:helplines:start|32 helplines + grievance routes]]
 +  * [[:citizen-rti-playbook|Full RTI Playbook]]
 +
 +===== Sources =====
 +  * Official portal: jansuraksha.gov.in
 +  * Issued by: Ministry of Finance
 +  * Launched: 2015
 +  * Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html|%%AwaazRTI%%]] (composite, identifying details removed)
 +
 +//Last reviewed: 26 April 2026.//
 +
 +{{tag>yojana sarkari-yojana pmjjby-jeevan-jyoti}}