PMJJBY Step-by-Step Guide (2025)

The Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) is a government-backed life insurance scheme offering coverage of ₹2 lakh at an affordable annual premium. In the unfortunate event of the policyholder’s demise, it’s essential for the nominee to be well-versed with the claim process to ensure a smooth and timely settlement.

1. Notify the Bank

• The nominee should inform the bank branch where the policyholder was enrolled in the PMJJBY scheme about the policyholder’s death.

2. Obtain and Complete the Claim Form

• Collect the claim form from the bank or download it from the official website.
• Fill out the form accurately, ensuring all required details are provided.

3. Gather Necessary Documents

• Death Certificate: An official document confirming the policyholder’s death.
• Discharge Receipt: A form acknowledging the receipt of the claim amount.
• Cancelled Cheque: A cancelled cheque of the nominee’s bank account to facilitate direct transfer of the claim amount.
• Proof of Identity: Valid ID proof of the nominee.

4. Submit the Documents to the Bank

• Provide the completed claim form, discharge receipt, death certificate, cancelled cheque, and nominee’s ID proof to the bank branch where the policyholder was enrolled.

5. Bank’s Verification Process

• The bank will verify the submitted documents and confirm the policy’s validity.
• Upon successful verification, the bank forwards the claim to the associated insurance company.

6. Insurance Company’s Claim Settlement

• The insurance company processes the claim upon receiving the verified documents from the bank.
• Once approved, the claim amount of ₹2 lakh is directly credited to the nominee’s bank account.

7. Timeline for Claim Settlement

• The entire claim settlement process is designed to be efficient, with a typical resolution time of 30 days from the submission of all required documents.

Important Considerations

• Policy Validity: Ensure that the PMJJBY policy was active at the time of the insured’s death.
• Nominee Details: Accurate nomination details must be on record to prevent any delays in claim processing.
• Multiple Policies: If the insured had multiple PMJJBY policies across different banks, the claim is restricted to one policy, and premiums paid for additional policies may be forfeited.

Frequently Asked Questions (FAQs)

1. Can NRIs avail of the PMJJBY scheme?

• Yes, Non-Resident Indians (NRIs) with eligible bank accounts in India can enroll in PMJJBY. However, the claim benefit will be paid to the nominee in Indian currency.

2. Is there a waiting period for new enrollees?

• For subscribers enrolling for the first time on or after 1st June 2016, insurance benefits shall not be available for death (due to any cause other than accident) occurring during the first 30 days from the date of enrolment into the scheme. Death due to accidental causes will be covered from day one of insurance coverage.

3. What happens if the premium is not auto-debited due to insufficient balance?

• The insurance cover will cease if the premium is not paid due to an insufficient account balance. It’s crucial to maintain adequate funds, especially before the annual renewal date.

4. How can one rejoin the scheme after exiting?

• Individuals who exit the scheme may rejoin in future years by paying the appropriate premium. However, for such subscribers, insurance benefits shall not be available for death (due to any cause other than accident) occurring during the first 30 days from the date of re-enrollment into the scheme.

5. Are deaths due to natural calamities covered under PMJJBY?

• Yes, PMJJBY covers death resulting from natural calamities such as earthquakes, floods, and other convulsions of nature.

By following this guide, nominees can navigate the PMJJBY claim process efficiently, ensuring timely financial support during challenging times.

To enroll in the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), you can follow these steps:

1. Visit Your Bank Branch: Approach the bank where you hold a savings account. Most banks in India participate in the PMJJBY scheme.
2. Obtain the Application Form: You can request the PMJJBY application form at the bank or download it online. The form is available in multiple languages for your convenience.
   • English: Download Here
   • Hindi: Download Here
   • Other Languages: Visit the official website to find forms in additional languages.
3. Fill Out the Form: Complete the form with accurate personal details, nominee information, and other required data.
4. Submit the Form: Return the filled form to your bank branch. Ensure that your savings account has sufficient balance for the premium amount, which is ₹436 per annum.
5. Auto-Debit Authorization: By enrolling, you authorize the bank to auto-debit the premium amount from your account annually.

For more detailed information, you can visit the official PMJJBY page.

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