Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) – One Rupee a Day Life Cover – Salient Features & Application Form

by Shiv Kukreja on May 9, 2015

in Insurance

This post is written by Shiv Kukreja, who is a Certified Financial Planner and runs a financial planning firm, Ojas Capital in Delhi/NCR. He can be reached at skukreja@investitude.co.in

Before leaving for his three-nation tour to China, Mongolia and South Korea from May 14, Prime Minister Mr. Narendra Modi will launch three of his government’s social security schemes on Saturday – Pradhan Mantri Jeevan Jyoti Bima Yojana (Life Insurance), Pradhan Mantri Suraksha Bima Yojana (Accidental Death & Disability Insurance) and Atal Pension Yojana (Pension Scheme).

These schemes would be an extension to Pradhan Mantri Jan-Dhan Yojana (PMJDY) and would be covered under the government’s Jan Suraksha initiative. These schemes are designed to be pro poor and promise to provide protection against the risks of dying too early (Pradhan Mantri Jeevan Jyoti Bima Yojana) or living too long (Atal Pension Yojana) or unable to work & earn due to partial or full disability (Pradhan Mantri Suraksha Bima Yojana).

Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)

Age of the Insured – Bank account holders aged between 18 and 50 years are eligible to apply for this scheme. So, if you are aged more than 50 years, you are not eligible to enroll yourself for this scheme. But, once enrolled, you can continue with this scheme till you attain the age of 55 years.

Premium Amount – Less than Re. 1 a day or an annual premium of Rs. 330 is what you need to pay to get a life cover of Rs. 2 lacs. No matter what your age is, the premium is fixed at Rs. 330 for a life cover of Rs. 2 lacs. This annual premium of Rs. 330 has been fixed for the first three years from June 1, 2015 to May 31, 2018, after which it will again be reviewed based on the insurers’ annual claims experience.

Period of Insurance – June 1st, 2015 to May 31st, 2016 is the period for which this scheme will cover all kind of risks to your life in the first year of operation. Next year onwards as well, the risk cover period will remain June 1 to May 31.

LIC as the Administrator – The scheme would be offered / administered by the Life Insurance Corporation (LIC) and other life insurance companies like SBI, ICICI etc. through their tie ups with the interested banks like SBI, ICICI, Canara Bank etc. Participating banks are free to engage any such life insurance company for implementing this scheme for their subscribers.

Auto Debit Facility – Annual premium of Rs. 330 will get deducted from your savings bank account through auto debit facility. You will have to give your consent for auto debit of premium from any one of your bank accounts at the time of enrolling for this scheme.

Last Date for Enrolment – May 31, 2015 is the last date for getting enrolled for this scheme, but the government has given an extension of three months up to August 31, 2015 for us to get enrolled and give auto-debit consent for this scheme. This enrolment period may be extended by the government for another period of three months, up to November 30, 2015.

Those joining this scheme subsequent to May 31, 2015 will have to pay the full year’s premium of Rs. 330 and submit a self-certificate of good health in the prescribed proforma.

Toll-Free Numbers – 1800 110 001 / 1800 180 1111 – These two are the National Toll-Free Numbers for this scheme. You can check the state-wise toll-free numbers from this link – State-Wise Toll Free Numbers

Service Tax Exempt – Finance Minister Mr. Arun Jaitley has proposed to exempt this scheme from service tax. So, you will not be charged any service tax on the premium payable.

Know Your Customer (KYC) – Aadhaar Card issued by the UIDAI will be the primary requirement for your KYC under this scheme.

Application Form – Here you have the link to the application form for you to enroll yourself for this scheme – Application Form for PMJJBY

Pradhan Mantri Suraksha Bima Yojana (PMSBY)

Policy Coverage – The scheme offers to provide you or your family a cover of up to Rs. 2 lacs in case of any mishappening, resulting into death or disability of the insured. In case of death or full disability, you or your family will get Rs. 2 lacs and in case of partial disability, you will get Rs. 1 lac. Full disability means loss of both eyes or both legs or both hands, whereas partial disability means loss of one eye or one leg or one hand.

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Age of the Insured – Savings bank account holders aged between 18 years and 70 years are eligible to apply for this scheme. People aged more than 70 years will not be able to get the benefits of this scheme.

Premium Amount – It costs you just Rs. 12 in annual premium for having an accidental death or disability cover of Rs. 2 lacs under this scheme. It works out to be just Re. 1 a month, which is extraordinarily low. Again, your age has nothing to do with the premium payable for your insurance cover under this scheme as the premium is fixed at Rs. 12 for a cover of Rs. 2 lacs.

Period of Insurance – You will remain insured for a period of one year from June 1, 2015 to May 31, 2016. Next year onwards as well, the risk cover period will remain to be June 1 to May 31.

Administrators for PMSBY – The scheme would be offered / administered by many of the general insurance companies, both in the public sector as well as in the private sector. Participating banks will be free to engage any such general insurance company for implementing the scheme for their subscribers. National Insurance Company Limited, Oriental Insurance Company Limited and ICICI Lombard are some of the companies which would be offering this scheme.

Auto Debit Facility – You will be required to provide your consent for auto debit of Rs. 12 as the annual premium from any one of your bank accounts at the time of enrolling for this scheme. This premium of Rs. 12 will get deducted from your savings bank account through auto debit facility every year between May 25 and June 1.

Last Date for Enrolment – May 31, 2015 is the last date for getting enrolled for this scheme, but the government has given an extension of three months up to August 31, 2015 for us to get enrolled and give auto-debit consent for this scheme. This enrolment period may be extended by the government for another period of three months, up to November 30, 2015.

Those joining this scheme subsequent to May 31, 2015 will have to pay the full year’s premium of Rs. 12 and agree to specified terms of this scheme.

Toll-Free Numbers – 1800 110 001 / 1800 180 1111 – These two are the National Toll-Free Numbers for this scheme. You can check the state-wise toll-free numbers from this link – State-Wise Toll Free Numbers

Service Tax Exempt – Yes, Finance Minister Mr. Arun Jaitley has proposed to exempt this scheme from service tax. So, you will not be charged any service tax on the premium payable.

Know Your Customer (KYC) – Aadhaar Card issued by the UIDAI will be the primary requirement for your KYC under this scheme.

Application Form – Here you have the link to the application form for you to enroll yourself for this scheme – Application Form for PMSBY

Should you subscribe to Pradhan Mantri Jeevan Jyoti Bima Yojana?

Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) is a term life insurance scheme and we all know that a term plan is the cheapest form of covering ourselves against the risks of untimely death. I think the government is doing a wonderful job in taking the initiative to attract low income group people to get themselves covered against the risks of untimely death.

I think the premium is reasonably justified for people in their middle years, probably between the age of 40-50 years. For younger people, you might still find cheaper life cover policies with some of the private insurers, like Max, Aviva, Aegon Religare etc.

I’ll keep on updating this post as and when I have some interesting data to insert into. If any of you has anything to share about this scheme, please feel free to do that, I’ll update that as well here in the post.

I covered Atal Pension Yojana in March this year and I have covered Pradhan Mantri Jeevan Jyoti Bima Yojana in this post. I will cover Pradhan Mantri Suraksha Bima Yojana also as soon as possible.

Application Form for PMJJBY

{ 464 comments… read them below or add one }

sanjoy bagh May 10, 2015 at 4:27 PM

very important life security schemes by the NDA govt . we the general people are very grateful to PM Norendra Modi and his Team ……

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Shiv Kukreja May 10, 2015 at 6:49 PM

Yes, all these schemes are excellent initiatives from the Modi Government for the low to middle income group people. I hope enough efforts are made to implement & regulate these initiatives in a proper manner.

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Hemant Agarwal May 11, 2015 at 12:28 AM

Its really a very good by Modiji Govt.
I appreciate it

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Shiv Kukreja May 11, 2015 at 10:56 AM

Yes, it is Hemant, thanks!

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harinee May 11, 2015 at 9:32 AM

This is fanstatic. Is there any income limit to join the scheme and is there an online option to join for this?

Thanks

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Shiv Kukreja May 11, 2015 at 10:57 AM

No Harinee, there is no income limit for subscribing to this scheme.

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Babumon May 11, 2015 at 11:07 AM

Hi,

A great initiative by the Govt. My question is, if a person having multiple bank Accounts, will he or she will be eligible to take this scheme more than one???

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Shiv Kukreja May 11, 2015 at 11:16 AM

Hi Babumon,

It is not allowed to get yourself enrolled with two or more than two different banks. In case the same is found to exist, your premium(s) will get forfeited and no claims would be paid.

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vijender singh May 11, 2015 at 11:58 AM

It’s really benificial for lower and middle class income people .

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Shiv Kukreja May 11, 2015 at 12:37 PM

Yes, it is definitely pro poor and quite beneficial as well.

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Deepika May 11, 2015 at 1:44 PM

What is the difference between both the policies? And can i buy both of them?

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Shiv Kukreja May 11, 2015 at 1:51 PM

Hi Deepika,
PMJJBY provides you life insurance cover of Rs. 2 lakhs and its annual premium is Rs. 330. PMSBY provides you accidental death & disability insurance cover of Rs. 2 lakhs and its annual premium is Rs. 12. Also, you can buy both these policies. Your total cover would be Rs. 4 lakhs and total premium would be Rs. 342.

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vishant May 11, 2015 at 3:47 PM

Sir,
I want to know that after 50 years of age will I get my money back. Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)

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Shiv Kukreja May 11, 2015 at 3:56 PM

No Vishant, it is a term insurance plan and nothing is payable if you survive the period of insurance.

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Amar Kumar May 11, 2015 at 6:38 PM

Nobody wants to die. I think they should be return money back also. Because after 55/60 years they need money for live life.

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Shiv Kukreja May 11, 2015 at 7:04 PM

Rs. 330 premium is too low for a life cover of Rs. 2 lakhs. If they add money back clause also to the basic terms of this scheme, then the premium would not be as low as Rs. 330. For life beyond 60 years of age, you have Atal Pension Yojana (APY), NPS, PPF or other social security schemes.

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pawan kumar May 12, 2015 at 10:25 AM

Is it beneficial for income taxpayers?how much

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Shiv Kukreja May 12, 2015 at 10:47 AM

Hi Pawan,
You’ll get a tax exemption of Rs. 330 under section 80C. There is no other tax benefit available.

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debendra May 12, 2015 at 5:14 PM

can i buy atal pension,pmjjby,pmsby

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Shiv Kukreja May 13, 2015 at 12:31 AM

Hi Debendra,
Anybody can subscribe to PMJJBY and PMSBY, but Atal Pension Yojana is for people working under the unorganised sector. So, if you are not covered under any other social security scheme, then you can subscribe to Atal Pension Yojana as well.

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Sanjay Rastogi May 12, 2015 at 11:42 PM

Can a person enrolled all three schemes e.g.
Pmjjby. Pmsby and atal pension scheme

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Shiv Kukreja May 13, 2015 at 12:54 AM

Yes, it is possible. But, APY is for the unorganised sector only.

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Nitesh Nagda May 13, 2015 at 2:02 AM

sir,
A person who joined both schemes as PMJSY & PMJJY so what his nominee get;if
(1) He dies in an accident
(2) He dies due to simple death by illness and such etcs.
means, Whether get 4 lac or 2 lac.

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Shiv Kukreja May 13, 2015 at 3:35 PM

Hi Nitesh,
1. Nominee will get Rs. 4 lakhs
2. Nominee will get Rs. 2 lakhs

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deelip May 13, 2015 at 1:13 PM

deelip

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MAHESH KUMAR May 13, 2015 at 2:24 PM

how can get policy no and where we go for claim and how?
mahesh kumar
delhi

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Shiv Kukreja May 13, 2015 at 3:42 PM

Master Policy No. will be provided to every subscriber by the servicing bank at the time of depositing the application form. You will be required to approach the bank for making a claim by submitting the claim form – http://www.kotak.com/sites/default/files/PMJJBY_Claim_Form_English.pdf

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Atul May 13, 2015 at 4:49 PM

Sir, will bank give insurance certificate by post or simply they will give acknowledgment slip.

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Shiv Kukreja May 13, 2015 at 5:25 PM

Acknowledgement Slip in itself will be considered as the Certificate of Insurance.

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harish May 13, 2015 at 4:49 PM

I have other insurance policies like LIC SBI Max New York Life insurance am I eligible for this policy whether I will get any insurance claims.

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Shiv Kukreja May 13, 2015 at 5:43 PM

Hi Harish,
You are eligible for this scheme and I don’t think there is any reason for insurance companies to deny you a claim in case of any unfortunate event.

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Bapi May 13, 2015 at 6:35 PM

Hi Sir,
What is the main difference of PMJJBY and PMSBY?
If for both the schemes one gets 2 Lakhs of coverage for each, then why one will go for PMJJBY by paying 330 instead of PMSBY by paying only 12?

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Shiv Kukreja May 13, 2015 at 6:55 PM

Hi Bapi,
PMJJBY is a term insurance plan which covers death due to all covered possible reasons. While PMSBY covers death & disability only due to accidents. I also think PMSBY is quite cheap at Rs. 12, but even PMJJBY is cheap for people in the age group of 40-50 years.

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Ashfaq May 13, 2015 at 9:28 PM

Hi Mr Kukreja,

I want to know how can we enrol to this using SBI on-line banking. They are displaying an add there that login and enrol, but I am unable to find any options inside.
Regards,
Ashfaq

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Shiv Kukreja May 13, 2015 at 11:33 PM

Hi Ashfaq,
I think SBI is still working on its systems to facilitate online subscription to these schemes. It should be up & running in a few days time.

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Swastik Parmar May 13, 2015 at 9:32 PM

Hi,
I’m married I have bank account but my wife don’t have any bank account so we can apply for Pradhan Mantri Jeevan Jyoti Bima Yojana please give me answer

so if possible please give me how to do explain the procedure.

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Shiv Kukreja May 13, 2015 at 11:35 PM

Hi Swastik,
Having a bank account is compulsory to subscribe to these schemes.

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Debapriya Mukherjee May 14, 2015 at 11:58 AM

I want to know how can we enroll to this using SBI on-line banking. I am unable to find any options inside.

With Regards,

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Shiv Kukreja May 14, 2015 at 1:49 PM

Even I am not sure where exactly its details are on the SBI website. Also, I do not have SBI account, so can’t really be sure whether it is there under net banking platform or not. But, it is confirmed that it will be made available on SBI’s online platform.

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Atul May 14, 2015 at 12:46 PM

Sir,
1.Is this scheme auto renewable or we have to renew it every year?

2.and if in future I want to move this scheme other bank saving account can this possible?

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Shiv Kukreja May 14, 2015 at 1:03 PM

Hi Atul,
1. Auto debit mandate will be required to be given for these schemes so that it automatically gets renewed every year.
2. Yes, that is possible.

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gopal May 14, 2015 at 3:22 PM

Sir
1:Agar admi 50 aur 70 saal tak pmsby pmjjby premium bharta hai aur vah jinda hai to kya vah abhi tak bhara huva amount vapas mil sakta hai?
2:agar milta hai to pmsby aur pmjjby ka kitna amount milega?

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Shiv Kukreja May 14, 2015 at 3:32 PM

Nahin Gopal, dono schemes mein premium amount waapis nahin milega.

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Shiv P Rai May 14, 2015 at 3:52 PM

How are these schemes MJJBY PMSBY AND APY different and beneficial from other schemes already available by other companies except premium amount??

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Shiv Kukreja May 14, 2015 at 3:56 PM

Hi Mr. Rai,
I am trying to make a comparison table for PMJJBY. I hope to complete it either today or tomorrow.

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Manish Gandhi May 14, 2015 at 3:59 PM

THIS IS GREAT AND SUPERB POLICY HAS INTRODUCE BY MODI GOVERNMENT SARKHAR EVEN POOR PEOPLE CAN ALSO TOTAL BENEFIT FOR HIS FAMILY
I APPRECIATE IT
I HOPE THIS MODI GOVERNMENT GIVEN MORE BENEFIT IN FUTURE ALSO TO MIDDLE CLASS AND SMALL CLASS PEOPLE

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saju May 14, 2015 at 4:30 PM

Hi

Is it possible for Non resident Indian can join all these three schemes.mainly for atal pension..

I am working in dubai,an unorganised sector

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Shiv Kukreja May 14, 2015 at 5:26 PM

Hi Saju,
NRIs cannot subscribe to any of these schemes.

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saju May 14, 2015 at 6:10 PM

IS it possible after reaching India..I have savings account in SBI

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rakesh May 14, 2015 at 4:39 PM

Can one take pmjjby in one bank & pmsby in another bank?

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Shiv Kukreja May 14, 2015 at 5:14 PM

Yes Rakesh, you can do so.

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saju May 14, 2015 at 6:12 PM

Is it possible for Non resident Indian can join all these three schemes after reaching India for leave or final settlement

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Shiv Kukreja May 14, 2015 at 6:18 PM

Yes, it is possible, but I think claim would be settled if something happens to the subscriber while he/she is in India.

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Deepti Shah May 14, 2015 at 6:45 PM

Hi,
I don’t have Aadhar card but have an account in the bank..can I avail this insurance

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Shiv Kukreja May 14, 2015 at 10:25 PM

Yes Deepti, you can subscribe to these insurance schemes even without providing your Aadhaar Number.

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Ajeet Singh May 15, 2015 at 12:57 PM

Nominee can claim amount in any branch in India or will have to come in same branch of respective bank.

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Shiv Kukreja May 15, 2015 at 8:08 PM

Hi Ajeet,
Claim can be made anywhere in India.

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Reema May 15, 2015 at 2:37 PM

My mom’s age is 60 plus can she avail these 2 polices

Please confirm

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Shiv Kukreja May 15, 2015 at 8:09 PM

No Reema, your mother is eligible for PMSBY, but not for PMJJBY.

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krishna mamtani May 15, 2015 at 3:14 PM

my mom is going to be 50 in 4 years so does that mean she is required to pay about 4 premiums only that is until she ages to 50 ?
will both schemes provide 2 lac rupees only if death or disability happens before reaching the age of 50 or 70?

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Shiv Kukreja May 15, 2015 at 8:17 PM

Hi Krishna,
Entry age for PMJJBY is 50 years. But, once enrolled, you can take it further upto 55 years of age. Also, in case of accidental death, the nominee will get Rs. 4 lakhs. Death, due to other reasons, will entitle the nominee Rs. 2 lakhs. It is assumed the insured subscribes to both these policies.

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Neeraj Kumar May 15, 2015 at 3:46 PM

can i apply for both ??

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Shiv Kukreja May 15, 2015 at 8:21 PM

If you are 50 years or younger, you can subscribe to both these policies.

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Sayali Bhagat May 15, 2015 at 3:50 PM

SIR I am 29 years old, so, muze PMJJBY me invest karna hai, so, muze premium kab tak bharna padega, aur premium ki maturity date kya hogi, aur iske benefit kya hoge, agar premium bharte bharte hi agar uski mrityu ho jaaye chale accident se ya natural death !, to uska primium amount nominee ko hi milenga kya ? aur kab tak milenga ? ya uske bawjood nominee ko premium bharna padega please esir clearyfy my this kind of issues

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Shiv Kukreja May 15, 2015 at 8:26 PM

Hi Sayali,
1. Aap 55 saal tak is scheme ko avail kar sakte ho.
2. Ye ek term insurance plan hai. Agar aapko kuch ho jaata hai to aapke nominee ko Rs. 2 lakh milenge.
3. Is scheme mein Rs. 2 lakh milenge, premium amount waapis nahin milega. Nominee ko kabhi premium nahin bharna hoga.

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Sanjeev Dhurwey May 15, 2015 at 4:07 PM

If next government comes, will they continue these policies???
Is there any law made (for continuity plan) that the subsequent Governments have to stick to these schemes???

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Shiv Kukreja May 15, 2015 at 8:27 PM

Hi Sanjeev,
1. This is something which only the next government can answer.
2. There is no such law which can stop the next government to discontinue these schemes. But, I don’t think any good government would stop any such scheme.

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Abinash August 28, 2017 at 11:57 AM

Rajiv Ghandhi scheme is stopped now.

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Subhash chandra May 15, 2015 at 4:10 PM

Hi Shiv Kukreja ji,
First of all Thanks for your time, patience and effort to answer to all, these are very good scemes from NDA govt, my question is can i enroll these policys online or i have to go to bank ? pls let me know

Thanks

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Shiv Kukreja May 15, 2015 at 8:56 PM

Thanks Mr. Subhash for your kind words!
Kotak Mahindra Bank, HDFC Bank, ICICI Bank, SBI & IndusInd Bank are providing online subscription facility. Some other banks would also provide such online facility soon.

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Ranjeet MIshra May 15, 2015 at 6:12 PM

dear sir,
in whitch day insurance refund after the claim

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Atul May 15, 2015 at 8:42 PM

Hi sir,
Is bank giving acknowledge cum certificate of insurance immediatly after submitting form in bank or they send it by post to address of subscriber?

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Shiv Kukreja May 15, 2015 at 8:59 PM

Yes Atul, the application form itself has the acknowledge slip cum certificate of insurance – http://www.kotak.com/sites/default/files/PMJJBY_Consent_cum_Declaration_Forms.pdf

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Atul May 15, 2015 at 9:15 PM

Yes sir it contain in form..am asking about will bank give that slip after submission. .I went yesterday to sbi bank, they only take form but not provide slip when I ask about slip staff said this will clear only after 1 june..
So I have this confusion will bank provide this certificate by post or immediately?. .i think so this is the only proof for future use..

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Atul May 15, 2015 at 9:18 PM

Yes sir it contain in form..am asking about will bank give that slip after submission of form?. .I went yesterday to sbi bank, they only take form but not provide slip when I ask about slip, staff said this will clear only after 1 june..
So I have this confusion, will bank provide this certificate by post or immediately?. .i think so this is the only proof for future use..

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Shiv Kukreja May 15, 2015 at 11:48 PM

Hi Atul,
I think the amount will get debited from the account between May 25 & June 1. Once it gets debited from the account, the bank will provide the acknowledgement slip cum certification of insurance to you. However, as a proof, I think the banks should immediately provide it, they should not delay it.

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Rajeshwari May 16, 2015 at 12:26 AM

Hi sir is it pmjjy scheme is eligible for govt employees and atal pension is eligible for house wife who r working at home.

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Shiv Kukreja May 16, 2015 at 1:16 AM

Hi Rajeshwari,
Govt. employees are eligible for PMJJBY and housewives are eligible for APY. In APY, there are certain conditions to be eligible for government contribution.

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rajesh kumar p May 16, 2015 at 8:46 AM

hi,
Dear any new plans are there deposit

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Shiv Kukreja May 17, 2015 at 4:39 PM

Hi Mr. Rajesh,
Your query is not clear.

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sandip May 16, 2015 at 11:23 AM

good thought about public by pm .very imp for public

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Shiv Kukreja May 17, 2015 at 4:40 PM

Yes, I agree.

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SUDHIR CHAWLA May 16, 2015 at 1:01 PM

Hi Mr. Shiv ,
The main advantage of other Insurance companies over PMJJBY is that they provide longer period of Term i.e, till the age of 65 Years or more in some companies.That is the period of age ( >55 yrs) when you need life cover the most.

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Shiv Kukreja May 17, 2015 at 5:04 PM

Hi Mr. Sudhir,
Yes, I agree with you that longer period coverage with other insurance companies is an advantage. But, then these insurance companies charge very high premiums for covering you till 65-70 years of age. Also, I do not agree with you that 55-70 is the age group when a person needs life cover the most. I am of the view that 25-55 is the age group when you need a life cover the most, as this is the time when you earn and there are dependents on your income. Loss of life in this age group hurts a family the most in financial terms.

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N.Syed Kaleem May 16, 2015 at 2:13 PM

Dear Sir,

I was born on 1.4.1965 am i elgible to pmjjyby policy pl let me know sir

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Shiv Kukreja May 17, 2015 at 5:05 PM

Hi Syed,
I think you are eligible, but you need to confirm it with your bank.

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N.Syed Kaleem May 16, 2015 at 2:20 PM

Dear sir,

please let me know which policy i can opt for my age sir i appreciate your reply

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Shiv Kukreja May 17, 2015 at 5:06 PM

I think you are eligible for both these policies – PMJJBY & PMSBY.

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N.Syed Kaleem May 16, 2015 at 2:36 PM

Dear sir,
My date of birt is 01 04 1965 am i eligible for pmjjyby pl advised me any other policy thank you sir

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B R Panwala May 17, 2015 at 1:46 PM

Dear Shiv
My wife is second holder in joint a/c with me at ICICI & HDFC Banks, I joined in both scheme through HDFC Bank’s a/c. Now to join my wife for same suggest what to do

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Shiv Kukreja May 18, 2015 at 12:05 PM

Hi Mr. Panwala,
You can use either of your joint accounts for her as well.

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Rajesh Mehrotra May 18, 2015 at 8:34 AM

Can a person already having a life insurance policy can enrol for Prime minister Bima Yojana? Kindly confirm.

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Shiv Kukreja May 18, 2015 at 12:06 PM

Yes Mr. Rajesh, you can get yourself enrolled for PMJJBY & PMSBY even if you have other insurance policies.

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kanika May 18, 2015 at 9:28 AM

Hi sir,
I appreciate that the newly implemented schemes by PM will be very beneficial for all.congratulations!!!..And i also appreciate your kind patience to answer our queries.
Sir,i want to know that if a person doesn’t die within the cover period in both PMSBY and PMJJBY ,will he get the premium back??will money be refunded to the nominee?
Thanks and regards..

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Shiv Kukreja May 18, 2015 at 12:09 PM

Thanks Kanika for your kind words!
No premium will be paid back to the subscriber if he/she survives the policy period. Nominee will be paid only the sum assured if something happens to the subscriber.

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Shashi May 18, 2015 at 11:31 AM

dear sir,
what happen in case of joint a/c ,either both a/c holder can take these policies or not ?

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Shiv Kukreja May 18, 2015 at 2:58 PM

Hi Shashi,
Yes, both joint holders can subscribe to these schemes.

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Gopal.P May 18, 2015 at 1:52 PM

Respected sir,
1-My father is 60 years old, he is suffering from cancer & hepatitis c last august 2014. Can he eligible for these pmsby & pmjjby.
2-kya yeh scheme ke liye medical certificate submit karna jaruri hai?
3-yadi mai pitaji ke naam se pmsby aur pmjjby karwadeta aur kal ko kuch ho jata hai to kya hum claim kar sakte hain? Pls sir answer these questions.
With regards.

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Shiv Kukreja May 18, 2015 at 2:56 PM

Hi Gopal,
1. Your father is not eligible for PMJJBY. In case of PMSBY, your father is eligible, but death/disability due to accident only is covered. Also, you’ll have to disclose accidental disability, if any.
2. Medical certificate is not required if you subscribe to it before June 1, 2015.
3. Agar death kisi pre-exisiting disease/disability ki wajah se hoti hai, to in dono schemes mein claim nahin milega.

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Dipak Poddar May 19, 2015 at 3:55 PM

Some social sites are informing that if any individual has any kind of insurance with LIC, Max etc. and then also insures with pmjjby, he will not get any claim in case of any eventuality despite premium being deducted fro his account. Only people with NO insurance will be benefited. Please clarify on this. Thanks.

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Shiv Kukreja May 23, 2015 at 11:18 AM

Hi Dipak,
That is completely incorrect information. We are eligible for PMJJBY even if we have other insurance policies and we will get its benefits in case of an unfortunate event.

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Prem May 22, 2015 at 2:50 PM

I am having a saving account in SBI. Being a account holder I have taken a accidental cover of Rs.4 lacs under “SBI Personal Accident Insurance Policy” in July’2014 thereafter Rs.200.00 deducted from my said account.
Now, I have enrolled myself for Rs.2 lacs cover under “Pradhan Mantri Suraksha Bima Yojana” for Rs.12.00 in this month.
My query is “Whether at the time of any eventuality my family would be entitled to get (Rs.4+2)= Rs.6 lacs under both policy coverage or not?”
Pls guide me.

Reply

Shiv Kukreja May 23, 2015 at 11:20 AM

Hi Prem,
In case of any eventuality, your family will get Rs. 6 lakhs under both these policies.

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palanivel May 23, 2015 at 1:55 PM

Dear sir,
Could you please give details about ATUL PENSION SCHEME.

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Shiv Kukreja May 23, 2015 at 3:36 PM
KL Krishna May 23, 2015 at 7:37 PM

Is it possible to enroll under both the schemes PMJJBY & PMSBY at a time ?

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Shiv Kukreja May 25, 2015 at 1:15 PM

Yes, it is allowed to get yourself enrolled under both the schemes.

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Vineeth May 23, 2015 at 11:09 PM

Your comment is awaiting moderation…

Regarding PMJJBY, Is there any money returned to insurer on maturity of policy? or only death coverage before 55 years only exists? What about the other policies by Lic, state bank, kotak listed in comparison?

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Vineeth May 23, 2015 at 11:09 PM

Regarding PMJJBY, Is there any money returned to insurer on maturity of policy? or only death coverage before 55 years only exists? What about the other policies by Lic, state bank, kotak listed in comparison?

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Shiv Kukreja May 25, 2015 at 1:18 PM

Hi Vineeth,
No term insurance scheme, including PMJJBY, returns any money back to the insurer in case he/she survives the policy period.

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v.k.raju May 25, 2015 at 12:56 PM

My wife suffered with right breast cancer during 2014 and now fully cured after surgery in the month of June 2014. Can we apply for PMJJBY & PMSBY.

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Shiv Kukreja May 25, 2015 at 2:24 PM

Hi,
If your wife has fully recovered, then she can apply for this scheme. Death or disability due to pre-existing diseases will not be covered under both these schemes.

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srinath May 25, 2015 at 7:38 PM

My father is of 49 years 9 months old is he eligible for PMJJY? one of the bank said he is not eligible

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Shiv Kukreja May 25, 2015 at 10:18 PM

Hi Srinath,
I think your father is eligible for PMJJBY. I don’t know why the bank has refused to accept your father’s subscription.

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nazia khatoon May 25, 2015 at 11:49 PM

I am having four saving accounts like SBI, ICICI, IDBI and HDFC.
Now, I have enrolled in all bank account or only one account.
Pls guide me.

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Shiv Kukreja May 26, 2015 at 10:32 AM

Hi Nazia,
You can enrol yourself only once (with only one bank) for this scheme.

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Shrishti May 26, 2015 at 4:57 AM

Sir
Can one change nominee in the schemes after enrolling for them

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Shiv Kukreja May 26, 2015 at 10:34 AM

Yes Shrishti, you can change your nominee details in these schemes.

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Shrikanth Achar May 26, 2015 at 12:19 PM

hello Sir
Thanks for your inputs. Will there be any policy copy which will be given to us once we enroll for these 2 schemes.
Thanks
Shrikanth Achar

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Shiv Kukreja May 26, 2015 at 8:41 PM

Hi Shrikanth,
The application form has the acknowledgement slip which will also be considered as the certificate of insurance.

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ravinder pal singh May 26, 2015 at 12:38 PM

Hi Shiv,

Meri age 46 saal hai. Mujhe 330/- premium kab tak bharna padega (55 ki age tak ???). Agar koi mishappening 55 saal ki age ke baad hoti hai to kya claim nominee ko milage ya phir 55 saal ki age tak kutch hota hai to hi milega ??? Pls. guide.

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Shiv Kukreja May 26, 2015 at 8:45 PM

Hi Mr. Singh,
Aap PMJJBY 55 saal tak avail kar sakte hain aur premium bhi har saal dena hoga. 55 saal ke baad aap is scheme ko avail nahin kar sakte aur uske baad aapko life cover nahin milega.

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manas das May 26, 2015 at 2:39 PM

I have a sbi a/c . What is the last date for pradhan mantri jeevan jyoti bima yoyona? can i do next month?

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Shiv Kukreja May 26, 2015 at 8:49 PM

Hi Manas,
August 31, 2015 is the last date for subscribing to PMJJBY, if not further extended by the government. You can get yourself subscribed to this scheme next month, but you’ll have to pay the full premium of Rs. 330.

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Ajit May 27, 2015 at 3:37 PM

Hi Shiv,

Can we use our Either or Survivor account for enrolling both PMJJBY & PMSBY or separate savings accounts are mandatory. Please advise.

Thanks
Ajit

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Shiv Kukreja May 27, 2015 at 6:43 PM

Hi Ajit,
Either or Survivor account will also do for these schemes.

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Ajit May 28, 2015 at 1:32 PM

Thanks Shiv for the clarification 🙂

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Shiv Kukreja May 28, 2015 at 6:04 PM

You are welcome Ajit!

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sourabh pandey May 27, 2015 at 4:34 PM

Sir I have a doubt . pmjjby scheme ki maturity ke bad kya paisa refund hoga ??

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Shiv Kukreja May 27, 2015 at 6:44 PM

Nahin Sourabh, maturity ke baad aapko kuch bhi refund nahin milega.

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Ravikant Haral May 28, 2015 at 9:39 AM

hi sir
in jiven jyoti yojana your premium is anual 330 and coverage upto 55 yars and in bima yojana it is 12 pm and coverage up to 70 years of age,so what is diffence in these scemes,is bima yojna scheme is more benefecial bcoz premiun is 12,plz reply

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Shiv Kukreja May 28, 2015 at 1:22 PM

Hi Ravikant,
PMJJBY is pure term life insurance, covering death due to any reason, whereas PMSBY is death & disability insurance only due to accident. I think PMSBY is more beneficial than PMJJBY, but one should go for both these schemes.

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pritam May 28, 2015 at 9:18 PM

Hi sir,
I want to know some explanations
1. If i opt PMJJBY will my next of kin get death benefit after my death at any age even at 100
2. If i opt PMJJY will premium changes every year or will be same evey year.

Reply

Shiv Kukreja May 28, 2015 at 10:44 PM

Hi Pritam,
1. PMJJBY provides life coverage till 55 only. So, no benefits are available beyond 55.
2. Annual premium will remain fixed at Rs. 330 irrespective of your age.

Reply

Pavan Tm May 28, 2015 at 11:52 PM

Sir, I have wrongly given nominee name for my Pmsby policy how can I change it, and I have done it just sending SMS to axis bank. amount also debited from my account.is that enough or do I have anything to do pls advise me.

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Shiv Kukreja May 29, 2015 at 10:58 AM

Hi Pavan,
You need to contact your bank for correction in your nominee data. For policy, you need not do anything else.

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Sandip May 29, 2015 at 10:01 AM

Dear sir,

me Ne pradhan mantri bima yojana Nikala ne . Agar meje kush jo jata je to mere nomini ko kaha infrome karna padega ?or kya process karna padega

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Shiv Kukreja May 29, 2015 at 11:02 AM

Hi Sandip,
Please check this post for claim settlement process – http://www.onemint.com/2015/05/27/pmjjby-pmsby-claim-settlement-process/

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Dhivya May 29, 2015 at 11:46 AM

I am out of town now for my vacation is it possible to apply in the nearest bank branch in which I have account?

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Shiv Kukreja May 29, 2015 at 11:50 AM

Yes, you can do so.

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Chandramauli Raval May 29, 2015 at 12:18 PM

Hello Sir,
I have an account with ICICI bank and i enrolled in both these schemes that is pmjjby and pmsby .
Now i want to know that if anything accidental matters occurs with me will nominee get benefit of both schemes or any single scheme will applicable.
Thanks in advance.

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Shiv Kukreja May 29, 2015 at 12:28 PM

Hi Chandranauli,
Your nominee will get benefit under both the schemes.

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upendra sharma May 29, 2015 at 12:37 PM

please give me the link for hdfc bank forms for pradhanmantri jeevan jyoti and beema suraksha yojna forms

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Shiv Kukreja May 29, 2015 at 1:19 PM

Sorry Upendra, I don’t have the links of HDFC Bank’s forms for PMJJBY & PMSBY.

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Naveen Kumar May 29, 2015 at 1:11 PM

Hi,

can you please guide me how to enroll for Pradhan Mantri Suraksha Bima Yojana , Pradhan Mantri Jeevan Jyoti Bima Yojan through HDFC bank or SBI bank.

Regards,
Naveen

Reply

Shiv Kukreja May 29, 2015 at 1:28 PM

Hi Naveen,
You can get yourself enrolled for these schemes with HDFC Bank/SBI through their respective net banking platforms or by visiting any of their branches. SMS service is also there, but I don’t have the details of it for SBI. To subscribe with HDFC Bank, you need to SMS “PMSBY Y” or ?”PMJJBY Y” to 5676712 from your registered mobile number.

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Naveen Kumar May 29, 2015 at 2:27 PM

Hi Shiva,

Thanks for your prompt response.

Can you please let me know how to enroll through HDFC netbanking.

Regards,
Naveen Kumar

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Shiv Kukreja May 29, 2015 at 2:37 PM

Hi Naveen,
It is under the ‘Insurance’ tab – Insurance > Social Security Schemes – Jan Suraksha.

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Aslam May 29, 2015 at 2:09 PM

Please let me know that if i already have a life cover with LIC of India Can i opt for these Scheme

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Shiv Kukreja May 29, 2015 at 2:15 PM

Yes Aslam, you can do so.

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santosh chakraborty May 29, 2015 at 3:22 PM

Hi Shiv,
Pmjjbj life insurance bima.but I confused after 50 years any return or any benefit?
What is atal pension scheme? age limit? and how benefits this scheme. ..plese Guide me Sir.

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Shiv Kukreja May 29, 2015 at 3:40 PM

Hi Santosh,
PMJJBY is a pure insurance scheme and provides no returns on your premium payments. If you survive the insurance period, then you won’t get anything back. Please check this link for Atal Pension Yojana – http://www.onemint.com/2015/03/13/atal-pension-yojana-government-guaranteed-pension-scheme-for-the-unorganised-sector/

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shaital parmr May 29, 2015 at 3:41 PM

Dear sir, i want to know that if i join this scheme of pmjjby and in future goverment has been changed, so will my family get the claim, Is there any right to change or close the schem to other gov expect bjp during his rule over india.

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Shiv Kukreja May 29, 2015 at 3:52 PM

These policies are issued by the insurance companies and not any government. So, I don’t think we should worry too much about the government getting changed. If the government gets changed and the next government changes its rules, then you are free to stop paying for it.

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vishal May 29, 2015 at 4:35 PM

Sir sabhi yojna poori hone k baad kya paisa vapas milega

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Shiv Kukreja May 29, 2015 at 7:27 PM

Nahin Vishal, premium amount waapis nahin milega.

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purna May 29, 2015 at 6:36 PM

hii gopal
My name is purna chandra iam just 25yeras old today i already applied to pmjby…is this schem will help me bcoz am just 25 and i have to pay till the end of 55 and its slight costlier compared to oters i think for the age people 45 to 50 this scheme is helpful
Next is after 10 years my age is 35 that time can i receive any amount for my health care bcoz of urgency….and last thing is if i want to come out can they provide me any amount…plllllsssss help me

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Shiv Kukreja May 29, 2015 at 7:30 PM

Hi Purna,
You should subscribe to this scheme even if you are 25. This scheme does not cover healthcare expenses. Nothing is paid back if you want to come out.

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Nagnath May 29, 2015 at 7:20 PM

Me apply the scheme named ‘pmjjpy’ through netbanking option where I can fill up one form & click on submit after 8 day I am get message that u r debited 330 rs from ur account shall I get this scheme & I don’t need any form to submit the bank again or not please tell me

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Shiv Kukreja May 29, 2015 at 7:52 PM

Hi Mr. Nagnath,
Aapko ab koi form fill karne ki zaroorat nahin hai.

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Awadumbar May 29, 2015 at 7:45 PM

I have joint accont in axis bank .ls it possible to enorol the scheme in the name of both account holder ?.
If no,in both which account holder will
get the scheme facility ? .

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Shiv Kukreja May 29, 2015 at 7:58 PM

Hi Awadumbar,
Only First Account Holder is eligible to apply for these schemes.

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Mehul May 29, 2015 at 10:38 PM

What is hdfcs SMS number for pmsjy

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Shiv Kukreja May 29, 2015 at 10:53 PM

With HDFC Bank, you need to SMS “PMSBY nominee name Y” to 5676712 from your registered mobile number.

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Dipesh Mehta May 30, 2015 at 3:06 AM

Sir kya mai dono policy mai apply kar sakta or kya mai online apply kar sakta hu kyo ki mai home town mai nahi hu plz reply me thanks sir

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Shiv Kukreja May 30, 2015 at 3:45 PM

Yes Dipesh, aap dono schemes mein apply kar sakte hain. Also, net banking ke through online apply kar sakte hain.

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sindhura May 30, 2015 at 11:58 AM

Respected Sir,

My Brother applied for both the policies (PMSBY ,PMJBY) and unfortunately total amount has debited for some other cause and account is nil . Thus the premium for policies has not debited. So, he got a message that policy registration has failed and apply afresh. He enquired at bank , he got a reply that once failed will not be accepted and new registration also not possible. Please tell me what he has to do for this.

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Shiv Kukreja May 30, 2015 at 3:48 PM

Hi Sindhura,
I am not sure why the bank is denying his application again. You brother needs to check it with the bank itself.

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parthajit May 30, 2015 at 12:40 PM

there is any maturity benefit both the insurance policys

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Shiv Kukreja May 30, 2015 at 3:49 PM

No Parthajit, nothing will be paid back in case the insured survives the insurance period.

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Mukesh Kumar May 30, 2015 at 1:22 PM

What is SBI SMS number for pmsjy and PMJJY ?

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Shiv Kukreja May 30, 2015 at 3:56 PM

Sorry Mukesh, I don’t have the SMS number of SBI for PMJJBY & PMSBY.

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Mukesh Kumar May 30, 2015 at 3:59 PM

Hi Shiv, could you please guide how to apply for PMSBY & PMJJBY through online sbi .Help appreciated.
Thanks

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Naresh DJ May 30, 2015 at 2:36 PM

Hi, I have applied for the both policies through SBI online and submitted. Should i get any policy document from SBI (or) from any third party? Kindly confirm.

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Shiv Kukreja May 30, 2015 at 4:00 PM

Hi Naresh,
I don’t think you will get any physical policy document as such. But, the bank should provide you with a certificate of insurance through mail and SMS confirmation as well.

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Naresh DJ May 30, 2015 at 4:44 PM

Thanks a lot Shiv

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Shiv Kukreja May 30, 2015 at 4:49 PM

You are welcome Naresh!

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Mukesh Kumar May 30, 2015 at 4:06 PM

Hi Naresh , Could you please provide the path to apply online for PMJJBY through SBI online.
Thanks.

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Shiv Kukreja May 30, 2015 at 4:34 PM

It is under My Accounts > Account Summary > Social Security Schemes.

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rahna May 30, 2015 at 3:27 PM

Hi….. will you please tell me the last date for applying PMJJBY ?

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Shiv Kukreja May 30, 2015 at 4:02 PM

Hi Rahna,
Interim last date is May 31st, but there is an extended period of 3 months also till August 31st.

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mukesh kumar May 30, 2015 at 3:53 PM

Hi, can someone please guide how to apply for PMSBY through online sbi.help apprriciated.
Thanks.

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Shiv Kukreja May 30, 2015 at 4:03 PM

Hi Mukesh,
You can apply for it through SBI’s net banking platform.

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Divya May 30, 2015 at 4:14 PM

HOW TO CANCLE THIS SCHEME WHICH I WILL START AFTER SOME YEARS, PLS HELP ME WITH THIS

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Shiv Kukreja May 30, 2015 at 4:29 PM

Just stop paying further premiums and cancel the auto debit instruction.

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rajashekar May 30, 2015 at 6:28 PM

Sir
I will take policy June 1st different between May 31 before ple explain

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swadhin May 30, 2015 at 6:32 PM

how to make online insurance OF PMSBY through SBI.

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Shiv Kukreja May 30, 2015 at 6:51 PM

Hi Swadhin,
You need to log in to SBI’s net banking platform. It is under My Accounts > Account Summary > Social Security Schemes.

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rajashekar May 30, 2015 at 6:32 PM

Sir
I will take policy June 1st different between May 31 before pls pls

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Shiv Kukreja May 30, 2015 at 6:47 PM

Hi Rajashekar,
Joining subsequent to May 31, you will to submit a self-certificate of good health in the prescribed proforma.

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rajashekar May 30, 2015 at 7:08 PM

Without bank account this take policy are not pls tell me

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Shiv Kukreja May 30, 2015 at 7:12 PM

Your query is not clear.

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Ajit May 30, 2015 at 8:21 PM

Bank account is mandatory. Without a/c can’t take this policy.

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rajashekar May 30, 2015 at 7:58 PM

Without bank account how do take a policy

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Shiv Kukreja May 30, 2015 at 11:44 PM

Savings bank account is mandatory for these schemes. You cannot subscribe to any of these schemes without a savings account.

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Prabhu R May 30, 2015 at 9:28 PM

Dear sir,
Is there is any changes to enroll after 31st may 2015. How can i enroll
throw online guide me plz.

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Shiv Kukreja May 30, 2015 at 11:47 PM

Hi Prabhu,
If you subscribe after May 31, you will have to submit a self-certificate of good health in the prescribed proforma. You can subscribe to it through net banking.

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Mohan Wadile May 30, 2015 at 9:40 PM

Hii Shiv,
Where I van get the prescribed proforma of health certificate?
Where do I need to submit it after subscribing the policy through SMS.

Thanks in advance

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Shiv Kukreja May 30, 2015 at 11:49 PM

Hi Mohan,
You need to approach your bank branch for the health certificate proforma & submit it there itself.

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Aishwarya Banerjee May 30, 2015 at 11:13 PM

Sir,i have nominated myself..
Can i change the nominee name?? Should i contact my operating bank???

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Shiv Kukreja May 30, 2015 at 11:50 PM

Yes Aishwarya, you need to contact your bank branch for making the required changes.

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Dipesh Mehta May 31, 2015 at 2:17 AM

Hello sir maine ye insurance online kar diya hai lekin mere account se koi amount debit nahi hua hai to ye amount kab debit hoga ? Or hame koi policy bhi milegi bank se ya nahi ya online kar diya wo hi kafi hai ?plz clear karna sir thanks

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Shiv Kukreja May 31, 2015 at 3:40 PM

Hi Dipesh,
I think the amount should get debited from your account in a day or two. I think you should get a confirmation on your mail and/or SMS.

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Muthu May 31, 2015 at 11:46 AM

My one was joint account in state bank of India

Both of the holder can apply for the scheme

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Shiv Kukreja May 31, 2015 at 3:41 PM

Hi Muthu,
Only the first account holder can apply through a joint account.

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Naresh Kumar May 31, 2015 at 4:02 PM

I Want join in this and Pradhan Mantri Jeevan Jyoti Bima Yojana, Pradhan Mantri Suraksha Bima Yojana and Atal pension Yojana through my SBI bank , May I know the process. And my mother(46) and father(55) having joint account is there any chance to have above 2 bima schemes on there both names.

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Shiv Kukreja June 1, 2015 at 11:08 AM

Hi Naresh,
You can apply for PMJJBY & PMSBY through net banking platform of SBI or by visiting a nearby branch. Also, only the first account holder can apply for these schemes through a joint account. For APY, you need to visit the nearest POP – SP – https://npscra.nsdl.co.in/pop-sp.php

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Naresh Kumar May 31, 2015 at 4:04 PM

Can I apply this scheme through my friend’s account…

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Shiv Kukreja June 1, 2015 at 11:09 AM

No Naresh, that is not allowed.

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Surjya Kafle May 31, 2015 at 4:13 PM

Hi

How can I enroll both the insurances via sms of SBI account? Please assist.

Thank you.

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Shiv Kukreja June 1, 2015 at 11:34 AM

Hi Surjya,
SBI’s SMS number is not yet available for these schemes. I’ll try to find out today whether they are servicing these schemes though SMS or not.

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A Singha May 31, 2015 at 5:43 PM

Sir, can i opt out from PMJYBY in future,if yes what is the process?

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Shiv Kukreja June 1, 2015 at 11:37 AM

Hi,
PMJJBY is a term insurance scheme, which is to be renewed every year. If you do not renew it next year and instruct your bank to stop auto debit of premium, then you are out of its purview.

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Manjeetkumar May 31, 2015 at 9:00 PM

Kyunki mujhe apni aagai futuredeakhna hai

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ANKIT PINCHA May 31, 2015 at 10:17 PM

Sir,I want to enrol in PMSBY with Bank of India through a SMS till 31 May,2015.How can I do this?

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Shiv Kukreja June 1, 2015 at 12:16 PM

Though May 31 has passed, I still do not have the SMS details of Bank of India for PMSBY.

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s June 1, 2015 at 1:32 PM

Why no provision of maturity amount payable. ?

People who have paid 330 ×15 , 20, 30 years should get some maturity value with cumulative bonus.

Other wise this scheme appear s to be fit insurance company.

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Shiv Kukreja June 1, 2015 at 2:20 PM

It would be a misinterpretation if you think these schemes benefit the insurance companies more than its subscribers. PMJJBY is a pure term insurance scheme and the cost of providing this insurance is very cheap at Rs. 330 per annum. Other plans, in which bonus gets paid, are costlier than PMJJBY with high premiums.

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Aslam June 1, 2015 at 1:51 PM

As the last date has passed by can i submit the forms of these Bima in the bank

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Shiv Kukreja June 1, 2015 at 2:22 PM

Last date for these schemes is August 31, 2015, which again can be extended by the government of India.

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Aslam June 1, 2015 at 2:41 PM

Thanks Shiv Kukreja

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s June 1, 2015 at 10:24 PM

Dear sir ,
The average life expectancy in india is 67 yrs as of date.
the jeevan Jyot yojana is limited only till 55.
that means the insurance cover will be withdrawn at 55.
One pays premium all his youth with NO maturity benefits.

As an independent authority I would like to hear your unbiased view.

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Shiv Kukreja June 2, 2015 at 1:35 PM

Hi,
I think the government has tried to keep the age up to 55 years of age as it is the age by which most children complete their higher education, start earning and become independent. By keeping it 55, the government and the insurance companies have been able to keep the premium so competitive at Rs. 330 and Rs. 12 per annum. No insurance company can provide a life cover of Rs. 2 lakhs for annual premium of Rs. 330.

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Prakash June 2, 2015 at 12:43 AM

How to change nominee name thtu sms in axis bank

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Shiv Kukreja June 2, 2015 at 1:36 PM

Hi Prakash,
You need to contact Axis Bank for this info.

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s June 2, 2015 at 2:29 PM

Sir ,
if an average person is going to live up to 67 yrs .
he has no justifiable reason to join this scheme.

It appears an eyewash.

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Shiv Kukreja June 2, 2015 at 2:36 PM

What if an average person dies at the age of 35 or 40 ?? This is insurance, taken primarily to cover the risk of dying too early.

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subhasenthil June 2, 2015 at 10:41 PM

Sir. My husband working singapore. He is account in NRI STATE BANK OF INDIA.How Can apply this insurance scheme

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Shiv Kukreja June 2, 2015 at 11:37 PM

Hi Subha,
I am not sure whether NRIs are eligible for this scheme or not.

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Laxmi Singh June 3, 2015 at 10:57 AM

I want to change the nominee.
How can I do that?
I have enrolled for these services through ICICI bank.

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Shiv Kukreja June 3, 2015 at 2:39 PM

Hi Laxmi,
You need to contact ICICI Bank for change of nominee details.

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Alok June 3, 2015 at 3:37 PM

Hello

If a person is enrolled in both plans of premium rupees 12 hnd rupees 330 respectively and died, in such a case can his or her nominee received claim from both plans. please suggest.

Thanks

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Shiv Kukreja June 3, 2015 at 3:49 PM

Hi Alok,
If a person dies in an accident, only then insurance amount can be claimed under both the schemes.

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shashikumar June 3, 2015 at 11:25 PM

If a person enroll for both PMSBY and PMJJBY,and if he die at the age of 70 or above it naturally, whether his nominee will get the benefit what has been announced for the scheme

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Shiv Kukreja June 3, 2015 at 11:54 PM

No, nothing will be paid to the nominee beyond the insurance period.

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shashikumar June 3, 2015 at 11:36 PM

For both PMSBY and PMJJBY scheme ,who will pay the benefits whetherthe bank or insurance company, and any bond is issued to this scheme

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Shiv Kukreja June 3, 2015 at 11:59 PM

Insurance company will pay the sum assured. Acknowledgement itself will work as the certificate of insurance.

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Nagaraja M June 4, 2015 at 11:10 AM

dear sir,

what is the last date for submitting application. banker not accepting the application please provide the details.

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Shiv Kukreja June 4, 2015 at 11:58 AM

Hi Nagaraja,
This scheme is valid at least up to August 31st. If your bank is not accepting your physical application, then use net banking or SMS service to apply for this scheme.

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Rajesh Sharma June 4, 2015 at 8:51 PM

Dear sir,

I applied for pradhan mantri jeevan jyoti bima yojna thru online in my Axis Bank A/C but by mistake i put wrong nominee name overthere. My que is Can i change nominee name ?

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Shiv Kukreja June 4, 2015 at 8:57 PM

Yes, you can change the nominee or correct your mistake in nominee’s name.

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Rajesh Sharma June 4, 2015 at 9:12 PM

wht is the procedure for that?

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Shiv Kukreja June 5, 2015 at 12:41 PM

Hi Rajesh,
You’ll have to contact Axis Bank to know their procedure to change the nominee details.

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Rajesh June 9, 2015 at 3:49 PM

Sir ,
i visited to axis branch to change a nominee name but they don’t know how to change that.

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Shiv Kukreja June 9, 2015 at 5:00 PM

Hi Rajesh,
If the bank itself doesn’t know the procedure to change/update the nominee details, how could we be updated with the same? As this is a new scheme, please wait for a few days more for further info in this matter.

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santhosh kumar June 5, 2015 at 10:22 AM

How can I apply this scheme through bank of baroda.?

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Shiv Kukreja June 5, 2015 at 12:47 PM

Through net banking or by visiting their branches across India.

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Prafulla Kumar Rout June 5, 2015 at 4:06 PM

Iam interested for apply PMJJBY&PMSBY Thhrough net banking plat form of SBI.

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Shiv Kukreja June 5, 2015 at 4:19 PM

You can do so. Just log in to your SBI net banking platform and apply for it.

Reply

Alok June 5, 2015 at 8:49 PM

Hello,

My bank doesn’t provide any receiving for both policies. Can this create any problem at the time of claim. Bank employee told me that record of enrollment in both plans will reflect in my passbook and same will be proof of enrollment and help at the time of claim. Please suggest.

Thanks

Reply

Shiv Kukreja June 6, 2015 at 12:38 AM

Hi Alok,
There won’t be any problem in the absence of any receiving. Your application is the proof of your subscription.

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priya June 5, 2015 at 10:59 PM

i am intersted for apply PMJJBY.when is the last date to apply.how to apply through net banking and mobile services

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Shiv Kukreja June 6, 2015 at 12:44 AM

August 31, 2015 is the last date for subscription, if not extended by the government. Subscription process will depend on your bank whether it is providing these services or not.

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santhosh kumar June 5, 2015 at 11:47 PM

OK thank you sir

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Shiv Kukreja June 6, 2015 at 12:46 AM

You are welcome Santhosh!

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abhilasha June 7, 2015 at 9:28 PM

What is the Canara bank SMS format for PMSRY

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Shiv Kukreja June 9, 2015 at 2:06 PM

For Canara Bank, here is the SMS format – “PMSBY last four digit of your Savings A/c., your DOB (DDMMYYYY), nominee name, your relationship with the nominee” and send it to 9266623333.

For PMJJBY, just replace PMSBY with PMJJBY.

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riyaz June 7, 2015 at 11:14 PM

Sri what is last date can I apply now

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Shiv Kukreja June 9, 2015 at 2:08 PM

August 31, 2015 is the last date for these schemes.

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Krishna veer singh June 9, 2015 at 1:21 PM

Sir can i change the nominee name and bank account in future.

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Shiv Kukreja June 9, 2015 at 2:08 PM

Yes Krishna, you can do so.

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Delighter June 11, 2015 at 11:54 AM

What about existing “Janath Personal Accident Policy” of the Insurance Companies ? with a premium of Rs. 15 per 25,000 and age Limit upto 70 years , is not the best ?

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Shiv Kukreja June 11, 2015 at 12:38 PM

I have no idea about this scheme.

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Dilep Kumar Rajput June 11, 2015 at 1:22 PM

Dear Sir ,

We have applied? for PMSBY but my bank records updated name is-Dilip Kumar my all document updated name is-Dilep Kumar Rajput it is possible to change the name?

Regards
Dilep Kumar Rajput

Reply

Shiv Kukreja June 11, 2015 at 11:30 PM

Hi Dilep,
You need to check it with your bank whether you can change the details now or not.

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mir anver ali June 12, 2015 at 10:02 PM

date of birth is 20/04/1965. i am 50 years and one month old. is it possible to join in pradhan mantri jeevan jyothi bima yojana.

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Shiv Kukreja June 12, 2015 at 11:26 PM

Yes Mr. Ali, you can subscribe to PMJJBY.

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prashanth June 14, 2015 at 3:46 PM

Sir I have registered through online banking I don’t have any acknowledgement slip how can I get if possible can I cancel my policy will I get my money back also also i doesn’t met with any accidents will i get my money back after 55 years can you clarify my doubts through email provided above

Reply

Shiv Kukreja June 17, 2015 at 11:37 AM

Hi Prashanth,
It is not possible to cancel this policy. Debit entry in your passbook or bank statement is the proof for subscribing to these schemes. Also, no money will be paid back in case you survive the policy period.

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Wayne June 14, 2015 at 9:57 PM

Hello, I have registered for the PMJJBY and for my personal reasons i would like to enquire weather it’s possible to withdraw .

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Shiv Kukreja June 17, 2015 at 11:38 AM

No Wayne, it is not possible to withdraw from this scheme.

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Sagarika surve June 14, 2015 at 11:56 PM

Hey hi..I want to apply for Pradhan mantri Atal pension yojana..can I get dis n SBI Bank.. plz guide

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Shiv Kukreja June 17, 2015 at 11:42 AM

Hi Sagarika,
Here is the link to the list of servicing POP – SP where these accounts are getting opened – https://npscra.nsdl.co.in/pop-sp.php

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bhawanishankar sharma June 15, 2015 at 10:55 PM

good

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mir anver ali June 16, 2015 at 10:10 PM

when i contacted indian overseas bank for joining pradhan mandri jeevanjyothi bima yojana they refused to accept my application,because of i am 50 years and one month old. Moreover they closed the scheme by 30th May,2015. So where can i and in which bank can i join please disclose the complete details.
Regards,
MIR ANVER ALI.

Reply

Shiv Kukreja June 17, 2015 at 11:46 AM
Dinesh June 17, 2015 at 2:13 PM

Hi , am dinesh. sorry, from recent only i know about this scheme . But there mentioned date has been expired. So i want to know now there is any chance to join this scheme .so may i know complete detail about this.

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Shiv Kukreja June 19, 2015 at 11:22 PM

Hi Dinesh,
August 31, 2015 is the last date to subscribe to these schemes.

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sant kumar singh June 18, 2015 at 1:19 PM

can i get myself enrolled for both PMSby and PMJJBY from a single bank account or from different bank accounts of same bank or from different accounts of different banks?

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Shiv Kukreja June 19, 2015 at 11:24 PM

Hi Mr. Singh,
You can subscribe to both these schemes from a single account or from two different accounts as well. But, you cannot subscribe to each of these schemes twice from two different accounts.

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kumar June 22, 2015 at 6:30 PM

Dear sir

My age is 57 ,am I eligible for PMJJBY ?? Please advoice

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Shiv Kukreja June 22, 2015 at 11:56 PM

No Kumar, you are not eligible for PMJJBY.

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apsana June 22, 2015 at 6:37 PM

Sir my uncle age 57 is eligible for pmjjby ? Please do reply

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Shiv Kukreja June 22, 2015 at 11:57 PM

No Apsana, your uncle is not eligible.

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Bhushan Maheshwari June 24, 2015 at 3:58 AM

Sir ,
I read about PMJJB on one of the link related to it . It stated that there will be termination of assurance on following point.
1. On attaining age 55 years (age near birth day) s
ubject to annual renewal up to
that date (entry, however, will not be possible bey
ond the age of 50 years).
What does this mean ??

Reply

Shiv Kukreja July 1, 2015 at 7:27 PM

Hi Bhushan,
It means the entry age is 50 years, however, you can continue getting a life cover of Rs. 2 lakh till 55 years of your age by paying an annual premium of Rs. 330.

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Gshankar kumar reddy. June 26, 2015 at 8:44 AM

hello sir ….

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sowmya June 27, 2015 at 11:05 AM

Dear sir ,
My adhar card date of birth and SSLC certificate date of birth is different.

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Shiv Kukreja July 1, 2015 at 7:29 PM

Hi Sowmya,
You need not submit any of the proofs for subscribing to this scheme.

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Dhilwin K Daulson June 28, 2015 at 12:57 PM

Is it possible to operate PMSRY through a Private Nationalised Bank like South Indian Bank or Federal Bank. Please help me….

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Shiv Kukreja July 1, 2015 at 7:32 PM
vimal June 28, 2015 at 5:52 PM

Shiv Ji,
I would like to apply these schemes through HDFC bank… i do remember that SMS from HDFC bank however unable to trace it.
Can i able to enroll through online through HDFC or it is it to be done through Govt bank only – SBI.
Please help.
Also can we enroll for both the plans ..

June 1st, 2015 to May 31st, 2016 is the period for which this scheme will cover all kind of risks to your life in the first year of operation. Next year onwards as well, the risk cover period will remain June 1 to May 31.
… when it says all kind of risk? is this medical insurance type?

Pls clarify.

Thank you.

Vimal

Reply

Shiv Kukreja July 1, 2015 at 7:41 PM

Hi Vimal,
1. HDFC Bank is providing online subscription also for these schemes. Go to the insurance section on HDFC netbanking platform. For SMS subscription, type PMJJBY Nominee Full Name and send it to 5676712.
2. All kind of risks means natural death as well as accidental death risk.

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Npun June 29, 2015 at 5:00 AM

Hi,

I have applied for all the 3 schemes (PMJJBY, PMSBY, Atal Pension Yojana). However, I haven’t received any PROOF that I am insured, i.e. I have NOT received any documentation. Could you please share if the insurance policy documents are directly sent to the subscriber by post or can we download it from the internet?

Regards
Nipun

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Shiv Kukreja July 1, 2015 at 7:43 PM

Hi Npun,
It is a master policy and no additional document will be sent to you for the same. Debit entry in your passbook/bank account statement is the proof of your subscription.

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ashwini June 29, 2015 at 7:16 AM

Sir I applied for pmjjby of my uncle on 1 st June and he died on 6 th June whether it is able to claim for insurance or not please tell me as soon as possible

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Shiv Kukreja July 1, 2015 at 7:47 PM

Hi Ashwini,
No claim is admissible for deaths during the first 45 days from the entry date, except for cases of death due to accident – http://www.canarabank.com/Upload/English/Content/terms%20and%20conditions.pdf

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manikanta June 29, 2015 at 1:16 PM

sir,..i have applied for this scheme but it has automatically deducted 330 annual plan…if i wasnt got any risk upto 55 years ….my all money was waste….as u r giving replies to all….i would like to change it from 330 to 12…will it possible to change…if not i would like to stop it….what was the procedure pls .

give me a solution

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Shiv Kukreja July 1, 2015 at 7:49 PM

Hi Manikanta,
I don’t think it is possible to change it from PMJJBY to PMSBY. You need to contact your bank to know the procedure to stop it next year onwards.

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SUVANKAR June 29, 2015 at 1:49 PM

If a person is enrolled in both plans of premium Rs. 12 and Rs 330 respectively and died (either affected by any disease or naturally ) at the age 54, in such a case can his/her nominee received claim (Rs 4 lac) from both plans ? if not then what amount of claim will be received by nominee ? please suggest.

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Shiv Kukreja July 1, 2015 at 7:51 PM

Hi Suvankar,
Nominee will get Rs. 4 lakh in case of accidental death. In case of natural death, the nominee will get Rs. 2 lakh.

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Ramesh Kumar Rajbhar July 5, 2015 at 5:44 PM

Sir..I have inrolled in both pilicy but ,yet i have not recive any bond from bank…what is the proof for this ,help me please thanks.

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Shiv Kukreja July 7, 2015 at 5:52 PM

Hi Ramesh,
Debit entry in your bank statement/passbook is the proof of your policy.

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Anup July 8, 2015 at 8:53 AM

Hello Sir,
my query :
In PMJJBY, at 48 year age entering a man in this policy, and Rs. 330/- paid upto 55 year age. If he die in 56 year or 60 year (after 55 year), then what will happen? Because the scheme clearly say that amount will cover 1 year only. and renewable amount year to year.

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Shiv Kukreja July 10, 2015 at 4:28 PM

Hi Anup,
Beyond 55 years of age, there is no life coverage.

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Sanya gupta July 10, 2015 at 4:09 AM

Sir can u tell me how to change the nomination in both the policies once the policies are made???

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Shiv Kukreja July 10, 2015 at 4:31 PM

Hi Sanya,
You need to approach your bank for the same and they’ll provide you with the form & the formalities.

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Jagan July 13, 2015 at 11:25 AM

whether any policy documents sent to subscriber on enrollment of both PMSBY and PMJJBY

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Jeetendra Pandey July 13, 2015 at 2:29 PM

Dear Sir,
Accordingly APY, min. age is 18 yrs, but I saw APY circular, in which stated, that other pensions are not allowed. In this condition, an 18 year old candidate will not do any such job in which pension scheme applicable. Please clarify.

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Shiv Kukreja July 15, 2015 at 2:54 PM

Hi Jeetendra,
In case you are covered under any other pension scheme, then you’ll not be eligible for the government contribution.

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Surendran July 14, 2015 at 6:31 AM

Sir, In PMJJBY, the claim is possible only after the subscriber’s death?

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Shiv Kukreja July 15, 2015 at 2:55 PM

Yes Surendran.

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sumit sharma July 14, 2015 at 6:16 PM

I have enrolled PMJJY via ICICI bank. Bank has deducted Rs 330 amount from my account. Please suggest how can i get my policy certificate?

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Shiv Kukreja July 15, 2015 at 2:56 PM

Hi Sumit,
Banks/Insurance companies are not issuing any certificate for the same. Debit entry in your passbook/bank statement is the proof of this policy.

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m s sindal July 22, 2015 at 1:46 PM

please answer my question—A man cover under pmjjby & pmsby both with a premium of rupees 330& rupees 12 respectively of 40 year. he expired in an accident how much amount his nominee get received from insurance company.Can a man insured under both scheme.

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Shiv Kukreja July 24, 2015 at 6:00 PM

Hi Mr. Sindal,
Nominee will get Rs. 4 lakh as the insurance amount in this case.

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Manjunatha R July 25, 2015 at 1:45 AM

sir, govt officials bhi PMJJBY aur PMSBY me subscribe ho sakte hai? Kitne saal tak mere account se amount auto debit hoga?

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Shiv Kukreja August 6, 2015 at 2:57 PM

Yes Manjunatha, govt officials bhi PMJJBY and PMSBY ke liye enrol karwa sakte hain. PMJJBY mein 55 years aur PMSBY mein 70 years tak amount debit hoga.

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Piyali Ray July 28, 2015 at 10:31 AM

My age is now 50 years 5 months, can I apply for 330 Scheme?

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Shiv Kukreja August 6, 2015 at 2:58 PM

No Piyali, you are not eligible for this scheme.

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Moolchand M August 4, 2015 at 1:21 PM

I have applied for PMJJBY scheme in my bank account (canara bank) but it is not getting enrolled and they told me to update my DOB in my account therefor i submit, xerox copy of my birth certificate and adhar letter and i have update my DOB in my account but still I have not getting enrolled. What is the reason pls answer for it …? How to I enrolled with this pmjj bima yojana.

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Shiv Kukreja August 6, 2015 at 3:03 PM

Hi Moolchand,
You need to check it with the bank officials the reason for such a problem.

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Bhavan singh August 7, 2015 at 5:45 PM

Sir,
330 wala palan lena chata hu per ek kanfusion h ki maturity ke bad kitna rupey milange, without death to police holder

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Shiv Kukreja August 18, 2015 at 1:14 PM

Hi Bhavan Singh,
Rs. 330 waale insurance plan mein aapko maturity pe kuch waapis nahin milega.

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Ravi August 10, 2015 at 6:42 AM

I applied PMJJY and PMSBY plan for both of my family through ICICI bank account by online deduction of money. Please help me how to download the policy copies?

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Shiv Kukreja August 18, 2015 at 1:22 PM

Hi Ravi,
Banks are not providing any policy copies/documents for these schemes. Debit entry in your passbook/bank statement is the proof of your insurance cover.

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JITU NATH August 17, 2015 at 11:03 PM

Dear sir, please describe if account had been joined with nomini….. then both are can participent ?

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Shiv Kukreja August 18, 2015 at 1:23 PM

No Mr. Jitu, only the first account holder is covered under this scheme.

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Sudhir Manaohar Gurav November 3, 2015 at 3:11 PM

Dear sir, please describe if account had been joint A/C with Wife….. then both are can participent ?

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Karan Chugh August 17, 2015 at 11:23 PM

Namaste sir.
I want to apply for pmjjy is there any document i have to give ? Like good health certificate?

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Shiv Kukreja August 18, 2015 at 1:31 PM

Namaste Karan,
You need not give any document for this scheme. Good Health Certificate would be required if you go for this scheme after 31st August.

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ABUL August 19, 2015 at 9:45 AM

Unknowing I have enrolled PMJJBY in my three saving account and simultaneously debited from three saving account so please help or reply me how i will stop the premium in two bank for next upcoming premium…how to write the bank.

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Shiv Kukreja August 19, 2015 at 4:06 PM

Hi Abul,
You need to approach the banks to cancel your auto debit mandate.

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Rahul gupta August 21, 2015 at 11:30 AM

One nomnee can get both yojna.

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Shiv Kukreja August 21, 2015 at 2:10 PM

Yes Rahul, nominee can claim insurance amount for both the policies.

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Ritesh Kumar August 28, 2015 at 9:54 PM

Dear Sir,
My father who aged 48 on 24th May subscribed under this policy and on 15 June his account was debited for INR 330/. On 17th June he died due to heart attack. I wish to know whether I can claim anything or not as there was an sms also that he is covered under this scheme.

Regards,
Ritesh Kumar

Reply

Shiv Kukreja September 1, 2015 at 11:25 PM

Yes Ritesh, you can claim insurance amount from the insurance company.

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Krishan Kumar August 23, 2015 at 4:20 PM

Mr Kukreja

My bank (ICICI) a/c debited of Rs 330 against PMJJY on 1st June where as till this time haven’t received any document. From where I get the confirmation that I’m insured under this scheme & how my nominee claim if any thing happen to me.

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sanjeev August 29, 2015 at 11:50 AM

how can we change nominee under pmjjby.what we can do if nominee die before applicant

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Shiv Kukreja September 1, 2015 at 11:51 PM

Hi Sanjeev,
You can change the nominee if the nominee dies before the applicant. To know the procedure to change the nominee, you need to contact your bank.

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Shiv Kukreja September 1, 2015 at 11:27 PM

Hi Mr. Krishan Kumar,
Insurance companies are not issuing any policy document against PMJJBY or PMSBY. You need to contact your bank to get the confirmation.

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sonam August 24, 2015 at 3:07 PM

hello sir..if bank do 330 wala insurance without my permission so what can I do??? is it cancel it????

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Shiv Kukreja September 1, 2015 at 11:30 PM

Hi Sonam,
Yes, you can cancel your insurance and file a complaint also against your bank.

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Babita August 26, 2015 at 2:33 PM

Hi, my age is 22 years, if i apply PMJJBY plan on my neme now & can I update my nominee name latter ?

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Shiv Kukreja September 1, 2015 at 11:34 PM

Hi Babita,
You need to have a nominee right from the beginning, but you can change your nominee later.

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Ashwin Fernandes August 28, 2015 at 11:59 AM

Hi, Good Day, does this mean that the person has to expire before the age of 70 to avail the benefits of PMJJBY. ? Or is just the enrollment cut off at 70 years or less ?

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Shiv Kukreja September 1, 2015 at 11:39 PM

Hi Ashwin,
PMJJBY is applicable only till 55 years of age. It is the PMSBY which is applicable till 70 years of age. If anything happens between 1st June and 31st May, only then your nominee will get the insurance amount. If nothing happens to you till 55 years of age, then you’ll get nothing under PMJJBY.

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R.ANBARASAN August 31, 2015 at 3:55 PM

last day pmjjby&pmsby

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Shiv Kukreja September 1, 2015 at 11:56 PM

September 30th is the last date for enrolment under PMJJBY & PMSBY.

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Vineetha September 5, 2015 at 1:41 PM

Sir, money (Rs 330 + Rs 12) has been debited from my savings account for PM life insurance and accidental insurance from Indian Overseas Bank without my consent. What should I do?

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Shiv Kukreja September 12, 2015 at 11:48 PM

Hi Vineetha,
You should first register your written complaint in the bank. In case the bank doesn’t help, you should approach the Banking Ombudsman.

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suhas nagarkar September 9, 2015 at 8:12 PM

hi sir,

my mother age is 61 year old.

i want pmjjby & pmsby yojana

which yojana 61 year old is perfect.

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Shiv Kukreja September 13, 2015 at 10:36 PM

Hi Suhas,
PMJJBY is not available to 61 years old. You can go for PMSBY for your mother.

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Khodubha sarvaiya September 9, 2015 at 10:19 PM

Sir,
Mera salary ac.axis bank me he, muje axis bank se direct debit karvana k liye msg aaya, aur mene kar diya, mere ac. Se 12 deduct ho gaye, aur kuchh din bad kera aplicatin cancel ho gaua aesa msg. Mila, aesa kyu hua, 12 rs, refund nahi mila

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Shiv Kukreja September 12, 2015 at 11:49 PM

Hi Khodubha,
Aap bank se pata keejiye ki aapki application kyun reject hui.

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LALIT KUMAR JHA September 11, 2015 at 1:20 PM

My Account debited twice Rs. 330 for PMJJ by Bank. How can I stop for further deduction. Is it possible to credit same amount. Please advice me.
Regards
Lalit

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Shiv Kukreja September 12, 2015 at 11:53 PM

Hi Lalit,
You should approach your bank to reverse the amount deducted for one application and cancel the auto debit instruction for the same.

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meer September 11, 2015 at 3:47 PM

sir.
1)Agar kisi ka accidental death hota he, to kya dono bima(12+330) ka subidha milega?
2)sirf 330 pe kya facility milta he?
3)can I deactivate the bima anytime from my bank account?
4)or , paisa to kat liya but policy bond kab milega?

Reply

Shiv Kukreja September 12, 2015 at 11:56 PM

Hi Meer,
1. Yes, dono policies ka benefit milega.
2. Rs. 2 lakh ka life cover.
3. Yes, you can do so.
4. Policy bond nahin milega, kyunki ye group policy hai.

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ajay verma September 12, 2015 at 4:43 PM

sir meri bhabi ka dihant ho gaya sap ke katne se unkey a/c se 12 rupese nahi dbit hue keya clam miliga

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Shiv Kukreja September 12, 2015 at 11:57 PM

Hi Ajay,
Jab account se premium debit nahin hua, to claim amount kaise milega.

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Ravinder dande September 13, 2015 at 7:10 PM

if some one die at 50 or 80 who will get this schem after them

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Shiv Kukreja September 14, 2015 at 7:15 PM

Hi Ravinder,
Nothing is to be paid if the insured survives the insurance period.

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Suresh kar September 18, 2015 at 9:12 PM

Namaste Sir, Mera Indian bank Account main Dono bima kelia apply kia tha, par mera account Se kewal 12 ruppes hi debet hua , air dusra 330 kuyn nehi hua please bataye.
ek baat batana chahunga ki mera account main 330 rupes se cum balans he. too kya jubbhi deposit yoga karunga too 330 debit ho jayega?
or ek baat mera abhitak debit nehi hua he. or me usko chancel kardunga too kya 330 debit hojaega .

Reply

Shiv Kukreja September 27, 2015 at 7:16 PM

Namaste Suresh,
Aapke account mein Rs. 330 balance nahin hoga, isiliye bank ne paisa nahin kaata hoga. Iski jaankaari ke liye bank se sampark karen.

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Pramod gupta September 21, 2015 at 11:05 AM

pradhan mantri jeevan yogana

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Hari Lal September 23, 2015 at 4:06 PM

Dear Sir,
My age are 50Years and 5 months. I gave the request for the open policy of PMJJBY scheme. The Rs. 330/- has also deducted form my account. Now I wanted to know that suppose I expire naturally in 60 yrs then my nominee will be eligible to receive the Rs. 2 lac or not?

Reply

Shiv Kukreja September 27, 2015 at 7:19 PM

No Mr. Hari Lal, nothing will be paid to you beyond 55 years of age.

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Kamal September 25, 2015 at 12:04 AM

Hi Shiv, I would like to ask
1. I am a taxpayer, am i allowed to join PMJJBY or PMSBY schemes?
2. My wife is a home-maker and not a taxpayer and dependent on me, so my being a taxpayer, is she allowed to join these schemes?
3. For how long insurer will have to pay premiums?

Reply

Shiv Kukreja September 27, 2015 at 7:21 PM

Hi Kamal,
1 & 2. Taxpayer or not, you are eligible for these schemes.
3. You’ll have to pay premium for these schemes every year. PMJJBY till 55 years of your age and PMSBY till 70 years of your age.

Reply

Angiras September 27, 2015 at 4:33 PM

what happend if i dont died at age of 50.did get the money?

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Shiv Kukreja September 27, 2015 at 7:23 PM

No Angiras, nothing will paid to you if you survive the insurance period.

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tarun September 28, 2015 at 6:03 PM

Can NRIs apply for PMJJBY and PMSBY scheme

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Shiv Kukreja October 3, 2015 at 11:22 AM

No Tarun, NRIs are not eligible for this scheme.

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Jyoti Debnath September 9, 2016 at 5:32 PM

Hi,
There are lot of confusions and ambiguities regarding these plans and policies, for which I require proper information and clarification.

I have already joined Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha Bima Yojana through (both yojanas) my savings bank account both at ICICI bank as well as both at Kotak Mahindra bank ,
But I have not received any confirmation mail.
Also, I have not received either any policy details with number or preium paid certificate.
Bank are not guiding me , regarding this.
They are only ignoring these types of queries.
May I know the process– How shall I track my policy details?
How to know the status of the yoganas.. policy numbers.. etc?
If I want to transfer the policies from one bank to another bank , what I should do?
If I want to close the existing policies, what should I do?
What is the website or URL, from where I shall be to view these details?
How can I do online monitoring of these policies?
Could you please inform me the exact procedures?

I am eagerly waiting to receive positive response vial email or via call.

Thanking you a lot in prior anticipation.
With best regards-
Jyoti Debnath.
Mob – 8697443425
Mail id – jyotid@lntecc.com; jyoti_agcl@yahoo.com; debnath.jyoti@gmail.com

Reply

Madhu September 29, 2015 at 12:32 PM

Hello Sir,
I am a central government employee. My age is 32 years. I already have some other insurance policies for 30lakhs coverage. I would like to take PMJJBY and PMSBY policies. Is my family get benefit from these after my death? and am I eligible or not? Please reply me.
Thank You.

Reply

Shiv Kukreja October 3, 2015 at 11:25 AM

Hi Madhu,
You are eligible to take PMJJBY & PMSBY. Your family will get benefits of all your insurance policies in case of any unfortunate event.

Reply

Madhu October 5, 2015 at 1:41 PM

Thank you Shivji.

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Nikhil Pingale October 7, 2015 at 8:10 AM

Sir, Can I apply for both policy’s PMJJBY and PMSBY

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Raj October 25, 2015 at 12:11 PM

sir , my father age is 49 . can he join both yojna ?

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ANIKUL ISLAM October 30, 2015 at 7:26 AM

I activated 330 plan policy from my Sbi account. Can I get money back (330) by cancellation the plan? Please help me sir.

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Sudhir Manaohar Gurav November 3, 2015 at 3:12 PM

Dear sir, please describe if account had been joint A/C with Wife….. then both are can participent ?

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Aparesh Mondal November 4, 2015 at 12:25 AM

Sir, i am 22 years old.. I want to stop the auto renewal debit from my axis bank account.. How does it possible or what procedure should i follow to stop the auto debit or auto renewal.. Sorry..it is because if i will not face any accident upto 55-60 years,, then my entire money will be lost.. Thus i want to stop it..

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vaithi November 7, 2015 at 2:22 PM

i have joined PMSBY and PMJJBY . my age is 19 years .. If i die at the age of 30 years – natural death . how much sum will be credited to my nominee ?

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manas debnath November 8, 2015 at 8:09 PM

Sir
Sir how to change enrolment from PMJJBY to PMSBY .

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NISHIT November 9, 2015 at 2:52 PM

my brother got expired few days before…he had taken this PMJJBY through HDFC BANK kamdlivli west ..I had gone to this branch but they says it will take some time since they are now aware of the procedure to follow and they are not sure also whether nominee will get the benefit or not because my brother was having other policy from LIC

So please guide me sir what shall I do ?
whether my bhabhi ( the nominee ) will get the claim amt or not and what i shall do help her

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Rajendra Karmakar November 28, 2015 at 7:31 PM

I have done the 2 policies SBY & JBY from my Sbi bank account. Now if anything had happen in my life. How can I use this policy. .I got only their Reference no. Otherwise nothing to me

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Prasenjit Sarangi December 2, 2015 at 12:10 PM

Sir,

I am an assistant in a Cooperative Bank and at present dealing with the policies under PMJJBY. We have been issued the Master Policy no as well. I want to know the procedure to find out the proposals booked under the said policy without disturbing the LIC authorities . Please guide

warm regards

Reply

anil kumar December 8, 2015 at 7:20 PM

Namaskaar sir,

Sabse pahle mai aapka shukriyaada karunga ki is Mahattavpurn Bima Yojna par aap sabhi swalon ke jawab saralta aur satikta se dekar hamaari madad kar rahe hai. Bahut shkriya h aapka.
Sir mera bhi ek ye Prashna h ki maine apna PNB me PMJJBY ke liye May me aavedan kiya tha parantu abhi tak uska Premium nahi kata h. Bank se puchne par veh koi mukkamal jawab nahi de paa rahe h aur dubara Enrollment karne par is Yojna me pahle se hi enrolled batlaate h lekin koi deduction nahi ho pa rahi h.
Kripya koi Sujaav dijiye.

Dhanyawaad.

Anil kumar
Delhi

Reply

Mousumi Talukdar December 8, 2015 at 9:18 PM

Job pmjjy scheme matured ho jayegi meri 55 age pe to wo sare rupees withdrawl kr sakenge kya plz reply

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Ridima hada December 9, 2015 at 10:31 AM

hello sir.. My father has expired on 2nd oct. 2015 and he had the bima of PMJJBY and and i also fill up all types of forms and submitted in the bank before 1 month but bank doesn’t response me that till when i get the claim..plz tell me which types of action can i take..or i have to wait for more time..

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Ridima hada December 9, 2015 at 10:42 AM

Sir, my father has expired before some time and he had the bima of pmjjby. I have completed all types of fomality. But i didn’t get any respose towards the bank.. I have waiting since october. Please tell me how much time it required to give me claim..?

Reply

Hitesh Rohitas December 12, 2015 at 5:42 PM

how can i cancel PMJJBY

Reply

NISHIT December 29, 2015 at 12:02 PM

Sir, I have submitted claim for my brother and about 45 days already gone but there is no reply or no credit in nominee’s account

so please guide me what to do and also please let me know normally how much it takes to settle the claim

Reply

SANTOSH JAGTAP January 1, 2016 at 12:53 PM

Hi sir,
my father open PMSBY 24 July 2015. my father death due to suicide he had done on 28 nov. can i claim for policy?

Reply

JAGTAP SANTOSH January 1, 2016 at 1:00 PM

Hi sir,
my father opened PMSBY 24 july 2015.my father death due to sucide he had done 28 nov. can i claim for policy?

Reply

Santosh B V January 13, 2016 at 2:17 PM

Ya its applicable for death due to any reason. If u have that acknowledgement u can apply for claims.

Reply

Prem June 19, 2016 at 10:57 AM

Yes.insurance applicable in any death

Reply

Santosh B V January 13, 2016 at 2:13 PM

I have lost my mother on Nov 3rd and applied for pmjjby scheme claims on last month but I’m not getting any information regarding claim status. So in which web Id I should get information abt status

Reply

Ramesh January 2, 2018 at 11:39 AM

My wife death in13.9.17.my wife pmjjby policy claims all documents submitted on account holder branch at 25.9.17.but still not respond and how to check claims process!

Reply

akhilesh kumar February 10, 2016 at 10:08 PM

Maine complen 05_12_2015 ko claim kiya tha par abhi take Pisa nahi mila hai help kare 9334375990

Reply

pankaj karnwal February 27, 2016 at 1:42 PM

nice information thanks for sharing with us

Reply

K sreenu March 2, 2016 at 11:01 AM

Sir I’m sreenu not applyed pmjdy is there any chance to apply now pls tell me 9908093143

Reply

vishnu March 4, 2016 at 3:51 PM

i have an account in pmjdy and also have pmsby of rs 12 , what is amount of claim, can we found amount of rs 3 lac (1 lac of pmjdy + 2 lac pmsby)

Reply

mahendra kumar gupta March 9, 2016 at 12:07 PM

certificate/any details of insurance not received from bank/company

Reply

pankaj karnwal April 1, 2016 at 11:03 PM

wow article thanks a lot for sharing with us.

Reply

pankaj karnwal April 1, 2016 at 11:29 PM

nice article thanks for sharing with us.

Reply

premkumar April 22, 2016 at 3:52 PM

Sir,my acknowledge ment slip is loss,what I can do?

Reply

Sahebrao April 22, 2016 at 8:06 PM

It is good to note that there is a entry gate, but there is not a mention of exit gate. Once insured, bank will continue deduction of premium, but, if one want to exit this scheme, there is nothing mentioned about procedure to exit. What does it mean ? Once enrolled, need to be punished for rest of life if not interested in the middle ?

Reply

Hardeep Singh April 22, 2016 at 8:31 PM

Can anyone exit from these scheme after joining as he / she is alive.

Reply

MUKESH THAKRAR May 9, 2016 at 1:53 PM

i want to exit from this Pradhan Mantri Suraksha Bima Yojana (PMSBY) what should i do? pl guaide me.

Reply

HARI BALINENI May 9, 2016 at 3:43 PM

DEAR SIR,
This is Hari Balineni,i have pmjjby with karur vysya bank tirupathi branch with account no-1412166000015102.But iam not getting any insurance bond from your side .please rectify the problem as early as possible.mobile no-9703106862.

Reply

DIGANTA KUMAR BORGOHAIN May 13, 2016 at 2:02 PM

1. Need Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) insurance policy Number and policy details as the premium Rs 330 auto debit from canara bank, Sivasagar

2.Need Pradhan Mantri Suraksha Bima Yojana (PMSBY) insurance policy Number and policy details as the premium Rs 12 auto debit from canara bank, Sivasagar.

kindly send both the policy Number & details to E-mail Id given above.

Reply

Muhammed Sadique Perumbavoor May 21, 2016 at 11:16 PM

Hello sir would you please exit me from this
Insurance scheme

Reply

Raj May 23, 2016 at 12:28 PM

I already have this Pradhan Mantri Bima Yojana Policy from max insurance for 2 Lakhs. Can i buy normal online term policy from max? Is it ok, if i have 2 life insurance policies from same Insurance Company? Else i want to cancel the Pradahan mantri Bima Yojana Policy.

Reply

Sulaiman May 23, 2016 at 3:21 PM

I am getting SMS from Bank/insurance co. that annual premium for PMJJBY/PMSBY of /Rs.330/12 will auto debited to your a/c.
I was enrolled in this scheme on May 2015. Under this scheme no certificate or Policy No. was received. I contacted my bank (SBI) asked about the issue, but they are not given the certificate from any source, they told my that your pass book is sufficient instead of any certificate.

My query is that after any incident/casualty the family may not aware of the insurance of their family member, then how can the surviving members claim the insurance in the absence of any evidence/certificate/policy no.

It is my appeal that raise the issue with appropriate authority to issue at least e-mail acknowledgement/online policy no. to insured persons so that they can keep it as proof of their insurance.

SULAIMAN

Reply

sbi May 30, 2017 at 12:38 PM

leave me u number

Reply

busha srinivas May 25, 2016 at 8:12 PM

more people want join it

Reply

GOURHARI DAS May 26, 2016 at 6:06 PM

I have an account of “PMSBY ” and “PMJJBY”.
Can i close the account?

Reply

Raghavendra Prasad M S May 30, 2016 at 7:34 PM

Respected sir,

i have applied for both above insurance through my bank account via online
banking and now i want to change it or continue with other bank account of
my own,is it possible to do that and if it is possible then what is the procedure.

please help me

thanks&regards
Raghavendra Prasad M S
+91-8951051014

Reply

Abdulkhadar June 2, 2016 at 6:51 PM

For these two different schemes amount will auto debited from my two different bank accounts. Please tell me how to exit from this schemes.

Reply

RS June 5, 2016 at 8:00 PM

I am no more interested in dubious policy. I have opened policy throu my ICICI bank account with auto debit. I have NOT EVEN RECEINVED any policy certificate from ICICI bank.

Mr. Narendra Modi and Ms. Chanda Kochar is looting general public together.

How can I unsubscribe. How do I ask them stop debiting this? Please help.

Reply

NAEEM AHMED SIDDIQUI June 7, 2016 at 12:55 PM

Maire do account se debit ho gaye he paise kya iska claim double milega ya 1 bank se cancelled karana padega or Jo paisa kata he wo wapas mil jayega

Reply

sunitha June 26, 2016 at 3:06 PM

hai sir i have pmjjby , i did’t get any information i want my policy details how i got my deatails

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Paresh A Kandade July 6, 2016 at 6:50 PM

I have been applied for both of yoyr pradhan mantri bima policie bu until toaday I have not recieved the policy Number nor any policy certificate from your side and also not from the bank.
In case if any thing happen to us how we should claim

Reply

Prasanta Maity July 28, 2016 at 5:58 PM

respected
sir,
I have pmjjby , i did’t get any information i want my policy details how i got my details

REPLY

Reply

Prasanta Maity July 28, 2016 at 6:11 PM

respected
sir,
I have pmjjby , i did’t get any information i want my policy details .But next year PMJJBY renewal no is SBIJB00132201614709474963,Updated passbook.Please sent the my Policy number & details our this mail, as early as possible.

With regards

Prasanta Maity
REPLY

Reply

Senthilkumar g July 29, 2016 at 2:24 PM

Sir , im G senthil kumar from chennai (tamilnadu) , I have applied for PMJJBYandPMSBY , from the starting of the policy still yet I’ve not received any documents regarding the policy, how could I get the policy documents, help me sir,

Reply

Senthilkumar g July 29, 2016 at 2:26 PM

Sir , im G senthil kumar from chennai , I have applied for PMJJBYandPMSBY , from the starting of the policy still yet I’ve not received any documents regarding the policy, how could I get the policy documents, help me sir,

Reply

Senthilkumar g July 29, 2016 at 2:27 PM

Sir , I have applied for PMJJBYandPMSBY , from the starting of the policy still yet I’ve not received any documents regarding the policy, how could I get the policy documents, help me sir,

Reply

k.kohila July 29, 2016 at 4:36 PM

I need a Policy mumber

Reply

Govind Singh August 2, 2016 at 10:33 PM

Sir before 15 days ago my father-in-law was dead due to sleep in our local minor. We are not opened any policy, so how will claim any govt help. Pl reply and what is the procedure.
my mob no is 7056845528

Reply

DHAN SINGH PUNDIR August 12, 2016 at 8:54 AM

Dear sir
please let me know how can I get certificat for PMSBY.
Thanks

Reply

suraj singh August 12, 2016 at 1:37 PM

hii sir gi may bhi

Reply

ramkrishna sarkar August 18, 2016 at 11:57 PM

rupis rs12 per mants 3year pimiyam nomine joy sarkar a/c3926493298

Reply

Jyoti Debnath September 9, 2016 at 5:15 PM

Hi,
I am unable to track Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha Bima Yojana .
What is the procedure?
How can I get these details?
I have done these via my savings bank account through online banking.
But I have not received either any confirmation mail or premium paid certificate.
How Can I receive all these details?
If I want to shift these accounts from one bank to another bank, what is the procedure, what should I do then?
If I want to close these policies, what should I do?
If any body can inform me the exact way for obtaining the details, I would be very much thankful.
Best regards-
Jyoti Debnath
Mail – jyoti_agcl@yahoo.com; jyotid@lntecc.com; debnath.jyoti@gmail.com
MOb – 8697443425

Reply

r srinivasarao September 11, 2016 at 6:11 PM

sir,

this is the 2nd year i renued the policy of pmjjby . but i could not recd
any documents or any thing for this.. the people of your customer care &
near branch people also not given correct information.. so many of customers are face this problem…. pl. give the solution

Reply

Sudhir kumar February 7, 2017 at 9:04 PM

Halp me sr

Reply

Yukesh September 17, 2016 at 8:20 AM

How i can check the application status in online after submission of claims form, any link is available for checking the status it was applied through the CANARA BANK , BRANCH: kALPAKKAM.

Pls let me know how it will be checked.

Reply

Manojkumar varma January 16, 2017 at 10:22 AM

I need lic

Reply

kalia prusty January 29, 2017 at 3:36 PM

Hi sir, my death of birth 30 June 1992, how to apply pmswy..

Reply

Anaya Gaikwad January 29, 2017 at 6:23 PM

I am interested in having a policy of pmjjby can anyone help me out with it.

Reply

Guarav Kumar February 1, 2017 at 4:49 PM

Please suggest the way so that I would enable to apply in this scheme.
How ?
Where to go ?

Regards

Reply

Sujatha February 7, 2017 at 4:35 PM

Sir
Can I open an account now in 2017.

Reply

Mahadevreddy March 3, 2017 at 5:43 PM

My sister deaths on 6th dec 2016.her insurenace in pmjjby still we not applied for claim due to bank communication problem.
Still it is possible for applying.

Reply

Monojit das March 28, 2017 at 6:03 PM

Hi Myself Monojit das.Which procedure i close my pradhan mantrijeban bema yogna….any weblink open for this ??….330 insurance policy.

Reply

Anjaneyulu April 23, 2017 at 2:57 PM

Sir my brother committed sucide…
Sucidal death eligible for pmjjy?

Reply

Anjaneyulu April 23, 2017 at 3:01 PM

Please reply to my mail or Mobile anjiyadav0707@gmail.com
9666807980

Reply

Subhamay Saha May 5, 2017 at 7:58 PM

Can i deactivated my pmjjby ?

Reply

E. Ashok kumar June 2, 2017 at 11:39 PM

my friend experied with heat stroke on 1st June, 2017 he was PMjjy account holder how to apply this scheme

Reply

Manika May 26, 2017 at 7:51 AM

i want to exit from this Pradhan Mantri Suraksha Bima Yojana (PMSBY) what should i do? pl guaide me.
My Contact 9777734249

Reply

Manika May 26, 2017 at 7:53 AM

i want to exit from this Pradhan Mantri Suraksha Bima Yojana (PMSBY) what should i do? pl guaide me
Sir/Madam
My Contact 9777734249

Reply

chandan May 28, 2017 at 7:33 PM

Hi sir pradhana mantri jeevan jothi bima yojana one rupees insurance I will apply that schem please send details to my email Id.

Reply

sujoy mallick May 29, 2017 at 11:53 AM

I miss to pay PREMIUM due to insufficient balance. How can I pay the premium ????

Reply

Tunu nanda June 7, 2017 at 9:02 PM

Dear Sir
This is tunu Nanda.i want to known that my father has a pmjjby plan and this is 2nd year renewal year ….my father death for kidney disige in month of may so can I calm for money so plz help me ..my nub is .9556033919 .

Reply

sonu July 2, 2017 at 12:11 PM

Azad nagar pnp

Reply

Bharat parmar August 22, 2017 at 4:22 PM

Res. Sir/Madam,

My father(Late Mr. Shambhubhai Rumalbhai Parmar) who was a policy holder of Canara Bank under Pradhan Mantri Jeevan Jyoti Bima Yojana. He filled up a form and 330 rupees also paid up on date 25/02/2016 at Canara Bank, Kapadvanj Branch (IFSC CNRB0006136). Unfortunately my beloved father died on 15/03/2016 due to sudden natural death. After his demise I informed to Canara Bank (on May-16) about death of my father. Still I have passed 14 months, but bank doesn’t tell me anything about it and blamed that it’s a government scheme therefore it will not be paid. 

I tried for other sources and than I found a e-mail address of yours. I humble request to you to short out my problem and give a way or direction for receiving this death claim of my beloved father.

Thank you!

Regards,

Reply

Satish Sharma August 25, 2017 at 8:31 AM

Dear Sir, I have applied forSr. citizen pension scheme on 27/05/2017 till date I have not been inform about the status. Please inform me at the earliest & oblige. Thk. you Saying Sharma

Reply

Sumit Das September 1, 2017 at 8:17 PM

sir
PMJJBY
mera maa 8may mei death hua
claim kiya avhi tak paisa nahi mila plz help

Reply

Srinivasa reddy September 11, 2017 at 8:56 AM

this is worst policy of PMJJBY and PMSBY do not take any body and PM and LICs companies and banks are cheating to poor public they are sucking of poor people blood by mentioning the PMJJBY and PMSBY , in SBH and their subsidies bank accounts all accounts are auto debiting without customer consent per year it is going to government account on 30th of may every year, as of now no Bond and no certificates are issued to policy holders, it is a big fraud doing by governement of india and banks, if one of the bank SB accounts are there 1 crore entire amount year mulitple 1 crore and 342 debiting equal to 342 crores are earning by each bank and if customer is having two or more banks SB accounts all accounts are being debiting without customer consent, is it right way of doing the business by banks and government of india.

If u want to any guidance and clarifications call to me
7702626782

Reply

sharanbaswa November 14, 2017 at 3:09 AM

sir 2015 pmjjby claim sir total docmdnts original certificate submited no claims proced sir tell me please

Reply

Poonam December 26, 2017 at 12:59 PM

i want to change the name of nominee can i
and if in cash i will die how can nominee claim for the insurance amount.

Reply

Dr Arif Ahmed April 16, 2018 at 9:37 PM

I’m from Tamil nadu. What is the best solution to me. Canara Bank is not auto debit money from my wife S account. For this scheme.

Reply

vivek April 18, 2018 at 4:16 PM

I can stop this plan in the middle

Reply

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