Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)– How to Claim and Register (2025 Full Guide)

Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)

Introduction

Life is unpredictable. For millions of low-income families in India, even a small financial shock—like the loss of a breadwinner—can push them into poverty. That’s where the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) comes in. With an annual premium of just ₹436, it offers life insurance coverage of ₹2 lakh to help families cope with the unexpected.

This article is a complete 2025 guide to the PMJJBY scheme, explaining how to register, claim, eligibility criteria, benefits, real-life success stories, and frequently asked questions.

Let’s explore how PMJJBY can act as a life-saving financial cushion for you and your family.


What is PMJJBY?

Launched in 2015 under the financial inclusion initiative of the Indian government, PMJJBY is a low-cost life insurance scheme aimed at providing basic life coverage to all Indian citizens, especially those from lower-income backgrounds.

✅ Key Facts:

  • Coverage Amount: ₹2 lakh (in case of death)

  • Annual Premium: ₹436

  • Eligibility: Age 18 to 50 years, with a savings bank account

  • Coverage Period: One year (June 1 to May 31), renewable

  • Claim Process: Simple, through the bank and insurance company

It ensures that in case of death (from any cause), the nominee receives a lump-sum amount.


Features of PMJJBY

Let’s understand why this scheme is important and widely subscribed:

Feature Description
Type of Insurance Life Insurance (death benefit only)
Eligibility Citizens aged 18–50 with a savings account
Sum Assured ₹2 lakh payable to the nominee
Premium ₹436 annually (auto-debited)
Enrollment Mode Through bank account
Insurer LIC and other government-approved companies
Cause of Death All causes covered (natural, accidental, etc.)
Policy Validity 1 year; renewable annually
Nominee Registration Mandatory

Who is Eligible for PMJJBY?

To subscribe to the PMJJBY scheme in 2025, you must:

  1. Be an Indian resident or NRI

  2. Be aged between 18 and 50 years

  3. Have a savings bank account

  4. Provide consent for auto-debit of premium

  5. Link your Aadhaar card to your bank account

  6. Be medically fit at the time of enrollment

Once enrolled, you will continue to get coverage up to the age of 55, provided the policy is renewed yearly.


How to Register for PMJJBY

There are two ways to register for the scheme—online and offline.


✅ Online Registration

Most banks offer online registration for PMJJBY. Here’s how to do it:

Step-by-Step Process:

  1. Log in to your bank’s net banking portal

  2. Go to the Insurance > PMJJBY section

  3. Read and accept the terms and conditions

  4. Enter your nominee details

  5. Provide Aadhaar number

  6. Confirm the auto-debit of ₹436

  7. Submit and get confirmation

You’ll receive an acknowledgment email/SMS with your policy details.


✅ Offline Registration

For those without internet access:

Steps:

  1. Visit your bank branch

  2. Ask for the PMJJBY enrollment form

  3. Fill in:

    • Name

    • Age

    • Aadhaar number

    • Bank account details

    • Nominee details

  4. Submit the form to the bank officer

  5. Premium of ₹436 will be debited

You’ll get a policy certificate in physical or digital format.


Premium and Renewal Process

  • Annual premium: ₹436 only

  • Auto-debited from your linked savings account

  • Policy renews every year on 1st June

  • Ensure your account has sufficient balance before 31st May to avoid lapse

If your policy lapses, you can re-enroll the next year.


How to File a Claim Under PMJJBY

In the unfortunate event of the policyholder’s death, the nominee can file a claim.


Step-by-Step Claim Process:

1. Inform the Bank

Visit the branch where the policyholder held the PMJJBY policy and inform them of the death.

2. Collect the Claim Form

Obtain and fill the PMJJBY Claim Form and Discharge Receipt.

3. Submit the Required Documents:

  • Claim form and discharge receipt

  • Death certificate

  • Identity and address proof of the nominee

  • Aadhaar card of the nominee and deceased

  • Bank passbook or statement of nominee

  • Cancelled cheque of nominee

4. Submit to Bank

Submit all documents to the bank branch. The bank will verify and forward them to the insurance company.

5. Claim Settlement

Once verified, the insurance company will transfer the ₹2 lakh claim amount to the nominee’s account within 30 to 45 days.


PMJJBY vs Other Life Insurance Plans

Feature PMJJBY Term Plan (Private) LIC Basic Plan
Annual Premium ₹436 ₹2,000 – ₹10,000+ ₹3,000 – ₹50,000+
Coverage ₹2 lakh ₹10–50 lakh+ ₹1–25 lakh
Age Eligibility 18–50 years 18–65 years 18–60 years
Medical Tests Not required Usually required Sometimes required
Nominee Facility Yes Yes Yes
Tax Benefit (80C) Yes Yes Yes

Verdict: PMJJBY offers basic but essential coverage, ideal for first-time insurance holders.


Benefits of PMJJBY

1. Affordable Premium

At ₹436 per year (less than ₹1.20 per day), it’s the most budget-friendly life insurance in India.

2. Easy Enrollment

No medical checkups, no complicated documents—just Aadhaar and bank account.

3. Auto-Renewal

Once enrolled, the policy auto-renews every year—no manual steps required.

4. Nominee Protection

Ensures the family gets financial support when the breadwinner is lost.

5. Tax Savings

Premiums paid under PMJJBY qualify for Section 80C deduction.


Real-Life Stories of PMJJBY in Action

🧑‍🌾 Case 1: Rajkumar from Bihar

Rajkumar, a 45-year-old tailor, died in his sleep due to a heart attack. His wife was unaware of his PMJJBY policy until the bank informed her. She received ₹2 lakh, which she used to start a small shop.

👩‍👧 Case 2: Rekha Devi from Madhya Pradesh

When Rekha lost her husband in a bike accident, her bank passbook showed that he had enrolled in PMJJBY. Within 40 days, she received ₹2 lakh. This helped her pay off debts and send her daughter to college.


How to Check PMJJBY Policy Status

You can check your policy status through:

  • Net banking

  • Visiting your bank

  • Calling customer care

  • Getting a mini-statement or passbook update

Some banks also allow you to download the certificate through their mobile apps.


Can You Have Multiple PMJJBY Policies?

No. You can enroll only once under PMJJBY across all banks. Having multiple policies can lead to:

  • Claim rejection

  • Fraud investigation

  • Policy cancellation

So, if you hold multiple bank accounts, enroll through one bank only.


What Happens if You Change Banks?

If you close the bank account linked with your PMJJBY:

  • The policy becomes inactive

  • Re-enroll from your new bank before the next cycle (1st June)

Always ensure your account is active and funded before May 31st each year.


PMSBY vs PMJJBY – What’s the Difference?

Feature PMJJBY PMSBY
Type of Insurance Life Insurance (Death only) Accident Insurance
Age Limit 18–50 18–70
Premium ₹436 ₹20
Coverage Amount ₹2 lakh ₹2 lakh (accident)
Cause of Death Any (natural or accidental) Only accidental
Claim Paid To Nominee Nominee or Policyholder

FAQs (Frequently Asked Questions)

Q1: What happens if the nominee dies too?

A legal heir (next of kin) can claim the insurance with succession documents.

Q2: Can NRIs enroll in PMJJBY?

Yes, as long as they have a savings bank account in India.

Q3: Is COVID-19 covered under PMJJBY?

Yes, all natural and medical causes of death are covered.

Q4: What if I enrolled twice?

Only one policy will be honored, and others may be cancelled without refund.


Latest Updates on PMJJBY (2025)

  • The government is exploring increasing the coverage to ₹3 lakh

  • Policyholders will soon get a dedicated mobile app for tracking

  • Digital claim submission will be enabled through banking apps

  • Inclusion of e-nomination process through Aadhaar integration


Challenges in PMJJBY Adoption

Despite its benefits, PMJJBY faces challenges like:

  • Low awareness among rural citizens

  • Bank account inactivity

  • Delay in claims due to document verification

  • Misconceptions about eligibility

The government and banks are actively conducting awareness campaigns, especially during Jan Dhan week, to improve adoption.

Conclusion – Why You Should Not Ignore PMJJBY

In a developing country like India, where large populations are uninsured and vulnerable, schemes like PMJJBY offer a lifeline for the masses. For a negligible yearly premium, it ensures peace of mind and financial support to families in times of crisis.

Whether you’re a student, homemaker, laborer, or small business owner—if you are aged between 18 and 50 and have a bank account, PMJJBY is a must.

Don’t wait for tomorrow.
🔒 Secure your family’s future today—for just ₹436 per year.

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