Pradhan Mantri Jeevan Jyoti Bima Yojana- Participating banks and post offices work with life insurance providers to offer the Prime Minister Jeevan Jyoti Life Insurance Scheme. The programme is open to everyone who has an account with one of the partnering institutions and is between the ages of 18 and 50. This programme seeks to give many people access to reasonably priced life insurance, guaranteeing their families’ financial security in the event of an emergency.
Pradhan Mantri Jeevan Jyoti Bima Yojana 2025
Learn everything there is to know about insurance coverage, claim amounts, application procedures, and eligibility requirements. A life insurance plan called Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) covers death from any cause. This policy is renewed annually. Visit this page to learn more about this centrally sponsored programme. The Prime Minister Jeevan Jyoti Life Insurance Scheme is a government-backed initiative that provides affordable life insurance coverage to individuals between the ages of 18 and 50.
Pradhan Mantri Jeevan Jyoti Bima Yojana 2025 Details
| Nodal Agency | Ministry Of Finance & Participating Bank(s) |
| Scheme Name | Pradhan Mantri Jeevan Jyoti Bima Yojana |
| Benefits | Rs 2 Lakh Cover |
| Beneficiaries | All India Citizens |
| Age | 18-50 Years |
| Official website | www.jansuraksha.gov.in |
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About Pradhan Mantri Jeevan Jyoti Bima Yojana
An insurance programme called Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) provides life insurance coverage for deaths caused by any cause. It is a one-year policy that can be renewed annually. Banks and post offices offer the programme, which is run by life insurance firms. Anyone between the ages of 18 and 50 who has an account with a partnering bank or post office is eligible to enrol.
Eligibility Criteria for PMJJBY
- Applicants must be between the ages of 18 and 50 to be eligible for PMJJBY.
- Additionally, they ought to have a personal bank or post office account.
- This life insurance plan is only open to Indian people.
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Benefits of PMJJBY Insurance
For people between the ages of 18 and 50, Pradhan Mantri Jeevan Jyoti Bima offers a one-year life insurance policy worth Rs 2 Lakh. The plan covers death from any cause, and the annual premium is Rs 436, which is automatically deducted from the subscriber’s bank or post office account. This makes the process simple and guarantees ongoing coverage.
How to Apply for PM Jeevan Jyoti Scheme?
Candidates for PMJJBY have the option of applying offline or online. Applying online is possible using the nett banking option offered by your bank. The steps listed below are for the offline process:
- The “Consent-Cum-Declaration Form” must first be downloaded and printed from the official website.
- Complete the form, sign it, and affix copies of the required paperwork that have been self-attested. Send the filled-out form to the designated post office or bank representative.
- Upon submission, your insurance certificate and an acknowledgement slip will be sent to you.
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Final Words
In conclusion, Offered in collaboration with participating banks and post offices, the scheme aims to ensure financial security for families in the event of an untimely death. The coverage amount is ₹2 lakh, with a nominal premium of ₹330 per year, which is auto-debited from the policyholder’s bank account. The scheme is available to all account holders of the partnered institutions. To apply, individuals must meet the eligibility criteria and opt for enrollment through the participating bank or post office.
Pradhan Mantri Jeevan Jyoti Bima Yojana FAQ’S
What is The Coverage Amount under PMJJBY?
The coverage amount is ₹2 lakh.
What is The Age Limit for PMJJBY Eligibility?
The scheme is open to individuals aged 18 to 50.
How much is The Annual Premium for PMJJBY?
The annual premium is ₹436, automatically deducted from the account.
How Can I Apply for PMJJBY?
You can apply online via net banking or offline by submitting a form at a bank or post office.