(Pmjjby Scheme) Pradhan Mantri Jeevan Jyoti Bima Yojana – 2022 | Eligibility | *jansuraksha.gov.in* |

What is the PMJJBY Scheme? How to apply for Pradhan Mantri Jeevan Jyoti Bima Yojana? PMJJBY in English| Pradhanmantri Jeeven Jyoti Bima Yojana (PMJJBY) 2021-2022 | How to take PMJJBY claim .

After the Narendra Modi government came to power in 2014, social security schemes were started somewhere. Among these schemes, were prominent. PMjjby scheme is also one of these schemes . In this article we will talk about pmjjby scheme.

PMJJBY scheme was started by Prime Minister Narendra Modi on 9 May 2015. This is a central government scheme. Its for the citizens of the country. In this, insurance of Rs 2 lakh can be taken by paying only Rs 330 annually. It can be taken from Life Insurance Corporation of India (LIC) and other insurance company and commercial banks, private banks and all rural banks in the country.

Pradhanmantri Jeeven Jyoti Bima Yojana (PMJJBY) 2021 -2022

Pradhan Mantri Jeevan Jyoti Bima Yojana is one of the prestigious schemes of the Modi government. The common people are getting direct benefit from this. Its premium is very low, and a premium of less than Re 1 has to be paid per day.

scheme name Prime Minister Jeevan Jyoti Yojana. 
whose plan central government. 
when did it start 09 May 2015 
beneficiary Citizens of India. 
eligibility age 18 – 50 years 
Official website Prime Minister Jeevan Jyoti Yojana

Eligibility for Prime Minister Jeeven Jyoti Bima Yojana (PMJJBY)

Eligibility for Pradhan Mantri Jeevan Jyoti Bima Yojana, Pradhan Mantri Jeevan Jyoti Bima Yojana Policy: To take Pradhanmantri Jeeven Jyoti Bima Yojana (PMJJBY) policy, you can go to any nearest bank or insurance company. For this the age of the citizens should be 18 to 50 years. This scheme should be taken by all classes of people, people belonging to poor or middle class families, on taking this policy, in the event of sudden demise of the policyholder, their children and family will get a claim amount of Rs 2 lakh in only 330 annual premium.

If you want to take the benefit of pmjby, then you can take advantage of this insurance cover by visiting your nearest bank branch or insurance company where your savings account is running.

Premium Amt for Pradhan Mantri Jeeven Jyoti Bima Yojana (PMJJBY).

Premium amount for Pradhan Mantri Jeevan Jyoti Bima Yojana Policy : The annual premium for PMJJBY is only Rs 330, which is less than Re 1 per day. Once registered, the premium is debited by auto debit every year between May 20 and May 31. The amount deposited should be available in your account. If there is no balance in your account, then the policy will be considered canceled automatically. That is why if you want to protect the family in case of accidental death, then Rs 330 will have to be maintained in the account. Otherwise your nominee will not get the benefit if the renewal is not done.

Essential Documents for pmjby Scheme

Documents required to take PMJJBY insurance policy : To take insurance cover under Pradhan Mantri Jeevan Jyoti Bima Yojana, you must have a savings account in any bank. If you already have a savings account, you do not need to provide any separate documents. Only one application form will be taken from you and you have to sign it. But still you are advised to carry the following documents with you.

  • Aadhar Card
  • pan card
  • Bank passbook

Policy Terms. (Conditions for pmjjby scheme)

  • It will be deemed to be applicable after 45 days from the date of inception of the policy.
  • It is applicable within 24 hours only in case of accidental death.
  • The minimum entry age for PMJJBY is 18 and maximum 50. But its insurance cover remains till 55 years.
  • In case of account being joint, both the account holders will have to pay separate premiums.
  • The insurance cover will automatically terminate on the completion of 55 years of age of the insured.

Claim procedure of pmjjby 2021–2022

How to take Pradhan Mantri Jeevan Jyoti Bima Yojana Claim : As you may also know that it does not take much time while taking any insurance policy or government/private scheme, it hardly takes 5 to 10 minutes. But when the time comes to claim the same plan, then big problems have to be faced.

You are run daily by the bank or other government / private institutions, sometimes this paper, sometimes that paper. You are not given information on all papers at once. To avoid all these troubles, we have provided you all the information at one place. By preparing all the documents at once, you can avoid the hassles of the web. The details of the documents are given below.

Check List For PMJBY Claim 

  • Nominated basis.
  • A photo of the nominee.
  • Nominee’s bank passbook.
  • death certificate.
  • Postmortem report / Punchnama in case of accident, FIR copy.
  •  Claim Form (to be given by the bank)
  • One revenue ticket worth Rs.
  • A letter of confirmation of death by the village head / councilor.
  • Declaration for not taking insurance benefit from other bank or insurance company.

From whichever insurance company or bank you have taken the policy. There, if you prepare all these documents in advance, then you will not take much time in the necessary formalities. Banks will get you all these formalities completed in 10 to 20 minutes. After completing the necessary formalities, the bank will forward your application to the insurance company. After this, money will come in the account of the nominee in 1 to 2 months.


The full form of pmjjby is Pradhan Mantri Jeevan Jyoti Bima Yojana. This is usually called pmjby scheme. Under this scheme, you can get insurance of 2 lakhs by paying a premium of less than Re 1 per day.


What is Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJBY) 2021- 2022?

Pradhan Mantri Jeevan Jyoti Bima Yojana is an insurance scheme of the Central Government. Through this, you can get an insurance of Rs 200000 / – by paying only Rs 330 annually. 

Can we also get Jeevan Jyoti Insurance?

Absolutely it can be done by every citizen of India, whose age is between 18 and 50 years.

When will I get the benefit of Jeevan Jyoti Insurance?

In case of death of the insured under any circumstances, the nominee is given a claim amount of 200000/-. 

Where can I get PMJJBY done?

You can get it done from any bank or insurance company. Apart from this, read the complete article for complete information. 

Leave a Comment