Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) 2023: Registration, Eligibility, Features, Benefits

Prdhanmantri Jeevan Jyoti Bima Yojana Apply Online & Check Jeevan Jyoti Bima Yojana jansuraksha.gov.in Application Status & Claim Process. Many schemes are run by the Government of India to provide benefits to the citizens, such a scheme has been started by the Government of India, whose name is Pradhan Mantri Jeevan Jyoti Bima Yojana. This scheme was started through the Life Insurance Corporation of India and other private and public sector banks. Pradhanmantri Jeevan Jyoti Bima Yojana is being introduced from Under this, if an applicant dies due to any reason before the age of 55 years, then the government will provide life insurance of ₹ 200000 to his nominee, to get information related to the scheme such as its benefits, eligibility, application process Read our article till the end for necessary documents etc.

Pradhan Mantri Jeevan Jyoti Bima Yojana 2023

Citizens should have minimum age of 18 years and maximum age of 50 years to take policy plan. ) is 55 years old. Pradhan Mantri Jeevan Jyoti Bima Yojana is a very good initiative of the Government of India, this will not only provide insurance to the poor and underprivileged people, but their children will also get a lot of money from this scheme in the future. The interested beneficiaries of this Pradhanmantri Jeevan If you want to take advantage of Jyoti Bima Yojana, then you have to apply under this scheme.

Revision in the amount of premium under Jeevan Jyoti Bima Yojana

The premium rates of Pradhan Mantri Jeevan Jyoti Bima Yojana have been revised by the Central Government on 31 May 2022. The decision to increase the premium rates of this plan has been taken in view of the adverse claims experience over a long period of time. Now under this scheme, the beneficiaries will have to pay a premium of ₹ 1.25 per day. Under which now the premium amount will increase from ₹ 330 to ₹ 436 per month. This scheme was started in 2015. There was no revision in the premium rate under this scheme in the last 7 years. Till March 31, 2022, the number of active customers under this scheme has been recorded at 6.4 crore.

PMJJBY premium amount

Under this plan, the policyholder will have to pay a premium of Rs 330 every year. Which will be auto-debited from the savings account of the subscriber every year in the month of May. Economical rate of premium for all citizens belonging to almost all income groups including EWS and BPL under this scheme is available Insurance cover under Pradhanmantri Jeevan Jyoti Bima Yojana will start from 1st June of the same year and will be till 31st May of the next year. No medical examination is required to buy insurance in PMJJBY. 

  • Insurance premium to LIC/Insurance Company – Rs.289/-
  • Reimbursement of expenses for BC/Micro/Corporate/Agent - Rs.30/-
  • Reimbursement of Administrative Charges of Participating Bank - Rs.11/-
  • Total Premium – Rs.330/- only

PM Jeevan Jyoti Bima Yojana Highlights

Scheme NamePradhan Mantri Jeevan Jyoti Bima Yojana
initiated byby the central government
Beneficiarycitizens of the country
purposeproviding policy insurance
official websitehttps://www.jansuraksha.gov.in/

Objectives of Pradhan Mantri Jeevan Jyoti Bima Yojana

This is a very good scheme for the people of the country who want to provide social security to their family even after their death. Under this PM Jeevan Jyoti Bima Scheme , after the death of the policy holder between 18 and 50 years of age, this Under the scheme, the amount of Rs. 2 lakh given by the government will be given to the family of the policy holder, so that he can live his life well. Through this scheme, Indian citizens have to be covered by PMJJBY . Through this scheme, not only poor and deprived people will get insurance.

In which situations the benefit of Jeevan Jyoti Bima Yojana will not be provided

  • If the bank account of the beneficiary has been closed.
  • In case of non-availability of premium amount in the bank account.
  • On attaining the age of 55 years.

Benefits of Pradhanmantri Jeevan Jyoti Bima Yojana

  • Citizens of 18 to 50 years of age can take advantage of this scheme.
  • After the death of the policy holder under this scheme, the family of the policy holder can renew the PMJJBY from year to year under this scheme. The member of this scheme has to pay an annual premium of Rs.330. Life insurance of Rs 2 lakh will be provided.
  • To avail the benefits of PMJJBY , the applicant has to apply under this scheme.
  • The annual premium under this plan is to be paid before 31st May during each annual coverage period.
  • If the annual premium is not deposited before this date, the policy can be renewed by paying the entire annual premium in lump sum along with a self-declaration of good health.

Some key points of Jeevan Jyoti Bima Yojana

  • You do not need to undergo any kind of medical examination to buy Pradhan Mantri Jeevan Jyoti Bima Yojana.
  • To buy PM Jeevan Jyoti Bima Yojana, your minimum age should be between 18 years to 50 years.
  • The maturity age of PMJJBY is 55 years.
  • This scheme has to be renewed every year.
  • The sum insured under this scheme is ₹ 200000.
  • The enrollment period of Pradhan Mantri Jeevan Jyoti Bima Yojana is from June 1 to May 31.
  • Can't claim for 45 days after getting Android done. You can file a claim only after 45 days.

Eligibility for Pradhan Mantri Jeevan Jyoti Bima Yojana

  • Under this scheme, the age of the citizens taking the policy should be 18 to 50 years only.
  • Under this tram plan, the policy holder will have to pay a premium of Rs.330 per year.
  • Under this scheme, it is mandatory for the policyholder to have a bank account. Because the amount given by the government will be directly transferred to the bank account of the beneficiary.
  • Subscriber must maintain the required balance in the bank account at the time of auto debit on or before 31st May every year.

Documents of Jeevan Jyoti Bima Yojana

  • Aadhaar Card of the applicant
  • identity card
  • bank account passbook
  • mobile number
  • passport size photo

How to apply for Pradhan Mantri Jeevan Jyoti Bima Yojana ?

Interested beneficiaries of the country who want to apply to get the benefits of Jeevan Jyoti Bima Yojana should follow the method given below.

  • First of all, you have to go to the official website of Jan Suraksha.
  • You will have to download the PMJJBY Application Form PDF by visiting the official website . After downloading the PDF, you will have to fill all the information asked in the form.
  • After filling all the information, you have to deposit it in the bank where you have an active savings bank account.
  • You have to make sure. That you have sufficient balance in the account to pay the premium.
  • After this submit a consent letter to join the scheme and auto-debit of the Consent Letter and Premium Amount. Enclose the consent document along with the duly filled application form.
  • Application Form or Consent-cum-Declaration Form for Pradhan Matri Jeevan Jyoti Bima Yojana can be downloaded from the official website in the desired language at the link given below Huh.

How to claim for Pradhanmantri Jeevan Jyoti Bima Yojana ?

  • After the death of the person who has been insured, his nominee can claim under Jeevan Jyoti Bima Yojana.
  • After this, first the nominee of the policy holder should contact the bank.
  • Then the nominee will have to collect the Pradhan Mantri Jeevan Jyoti Bima Claim Form and Discharge Receipt from the bank.
  • Then the nominee needs to submit the claim form and discharge receipt form along with the photographs of death certificate and canceled cheque.

Process to get performance related information

  • First of all, you have to go to the official website of Pradhan Mantri Jeevan Jyoti Bima Yojana .
  • Now the home page will open in front of you.
  • On the home page, you have to click on the performance option.
  • After this a new page will open on your screen.
  • On this page you will be able to get information related to performance.

Procedure for obtaining information related to publicity

  • First of all you have to go to the official website of Pradhan Mantri Jeevan Jyoti Bima Yojana.
  • Now the home page will open in front of you.
  • After this you have to click on the option of Publicity .
  • Now a new page will open on your screen.
  • On this page you have to select the publicity material.
  • The relevant information will be on your computer screen.

Process to Download Forms

  • First of all, you have to go to the official website of Pradhan Mantri Jeevan Jyoti Bima Yojana .
  • Now the home page will open in front of you.
  • On the home page, you have to click on the option of Forms .
  • Now a new page will open on your screen.
  • On this page you have to click on the option of Pradhan Mantri Jeevan Jyoti Bima Yojana .
  • Now the following options will appear on your screen.
    • application forms
    • claim form
  • You have to click on the option as per your requirement.
  • After this you have to download the form.
  • In this way you will be able to download the form.

Rules Viewing Process

  • First of all you have to go to the official website of Jeevan Jyoti Bima Yojana .
  • Now the home page will open in front of you.
  • After this you have to click on the option of rules.
  • Now the list of all the rules will open on your screen.
  • You have to click on the option as per your requirement from this list.
  • The relevant information will be on your computer screen.

state wise toll free number download

  • First of all you have to go to the official website of Pradhanmantri Jeevan Jyoti Bima Yojana .
  • Now the home page will open in front of you.
  • On the home page, you have to click on the link for the contact .
  • Now a new page will open in front of you in which you will see state wise toll free number pdf.
  • You can check state wise toll free number by downloading this PDF.

Helpline Number

We have provided you all the important information related to Pradhanmantri Jeevan Jyoti Bima Yojana in this article . If you are still facing any problem then you can solve your problem by contacting Pradhan Mantri Jeevan Jyoti Bima Yojana helpline number. The helpline number is 18001801111 / 1800110001.


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