Pradhan Mantri Suraksha Bima Yojana (PMSBY) – Insurance Sirf Ek Rupay Mein – Rs. 12 a Year Accidental Death & Disability Cover

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

“Insurance sirf ek rupay mein – Aisa Kaise?” The boy asks his father and the father’s response makes his daughter emotional. You must have watched this commercial on your TV sets many a times this week as the government has launched its Jan Suraksha initiative very aggessively.

Prime Minister Mr. Narendra Modi is in Kolkata today and will be launching Pradhan Mantri Suraksha Bima Yojana (PMSBY), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY) from there. These schemes are targeted to provide social security benefits to a large percentage of the low income earning population in India.

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

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

I covered Pradhan Mantri Jeevan Jyoti Bima Yojana yesterday, a scheme which provides life insurance cover of Rs. 2 lacs to its subscribers for an annual premium of only Rs. 330. I think both these schemes are quite attractive and provide a combined cover of Rs. 4 lacs for a premium of just Rs. 342, which works out to be less than Re. 1 a day.

In a country like India, where many members of a family are dependent on the primary earner’s income to survive and grow, I think these schemes would play a very important role in providing a much required social security comfort to the citizens of India. I think the government is doing a wonderful job in taking these initiatives to attract low income group people to get themselves covered against the risks of untimely death or accidental disabilities. I think you should definitely subscribe to both these schemes.

Application Form for PMSBY

{ 295 comments… read them below or add one }

Alex May 10, 2015 at 4:08 AM

One of the terms say, “Policy shall not be issued if nominee details are not provided in SMS / available in SB account.”. Does that mean that the nominee details should be present in my bank accounts also?
How can we simply nominate anyone with just a name without specifying any other details like DOB or relationship?
What if I enrol myself from both my bank accounts (SBI & ICICI)?

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Shiv Kukreja May 10, 2015 at 4:56 PM

Hi Alex,
1. As it is an insurance contract, it is mandatory to provide the nominee’s details, as all the benefits will be payable to the nominee in the policy holder’s absence. So, you need to mention the name & address of the nominee along with your relationship with him/her in the Consent-cum-Declaration Form.

So, if you do not provide nominee details in the form or if it is not available in your bank details, the insurance company will not be able to settle the claim once raised. Hence, in the absence of the nominee’s details, the insurance company will not be able to issue you the policy.

2. It is not allowed to get yourself enrolled with two different banks. In case the same is found to exist, premium shall stand forfeited and no claims would be paid.

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Manas May 10, 2015 at 10:53 AM

Do these schemes actually work. If something bad happens how easy will it be to claim the insurance amount? Or we have to keep running for this document, that photocopy and give some chai-paani. The process will be difficult for low income groups, whom this scheme seems to target.

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Shiv Kukreja May 10, 2015 at 5:05 PM

Hi Manas,
Though there is no history of claim settlements for these schemes, I hope nothing of this sort happens. I strongly believe a country is how its people are. Some new initiatives have been taken by this government in the positive direction, so we should think positive and contribute in the development of our country.

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soumen bhowmick May 10, 2015 at 7:24 PM

What can i do that insuance

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Shiv Kukreja May 10, 2015 at 9:37 PM

Soumen, aapki query clear nahin hai.

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Rahul May 11, 2015 at 4:40 PM

In case if a person has already loss his eye during his early years than how the clause will be useful”
“of Total and irrecoverable loss of sight of one eye or loss of use of one hand or foot sum insured will be Rs 1 lakh.’
Can he claim it after 45 days of policy..

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Shiv Kukreja May 11, 2015 at 4:49 PM

Hi Rahul,
Though I am not sure, I think this policy will cover the accidental damage which occurs during the policy tenure i.e. between June 1, 2015 and May 31, 2016. So, in this case, I think you’ll get benefits of a partial disability i.e. Rs. 1 lakh.

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Rahul May 12, 2015 at 5:07 PM

Thanks for a Reply.

One more thing we do have heard about insurance covered on debit card, 5 lac cover if debit card swiped in last 2-3 months. In that case can some one claim on both i.e debit card insurance cover and PMSBY.

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Shiv Kukreja May 13, 2015 at 12:45 AM

Yes, you can claim insurance amounts from both the sources, i.e. the debit card cover as well as PMSBY.

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Kapil Sachdev May 12, 2015 at 5:04 PM

Will these both insurance products remain valid if the insured person is affected at a foreign land?
To whom should one run after for the claim?

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Shiv Kukreja May 13, 2015 at 12:41 AM

Not sure, but I think both these policies would cover the insured person while he/she is outside India. You need to approach the bank and the insurance company for claiming the sum assured.

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LALA SOUMYARANJAN RAY May 13, 2015 at 9:23 PM

Sir, Can I apply for all 3 yojana such as Suraksha bima yojana, jeevan jyoti bima yojana & Atal pension yojana at a time? Sir, Can a Government servant apply for all these three yojana?

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Shiv Kukreja May 13, 2015 at 11:22 PM

Yes, if eligible as per the terms of all these policies, one can subscribe to all of them. For APY, you should not be more than 40 years old.

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Himanshu Barot May 14, 2015 at 9:54 AM

I have heard that if i have already cover under other insurance (not under these schemes), then eligible for these schemes?

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Shiv Kukreja May 14, 2015 at 12:33 PM

There is no such restriction in these schemes.

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surjit singh May 14, 2015 at 11:17 AM

sir. i am from punjab i have already account in pnb bank.
can i PMJJBY buy online. plz let me know if i can get this plan online
Thanks.

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Shiv Kukreja May 14, 2015 at 12:35 PM

Hi Surjit,
You need to check the same with PNB. We do not have this info as yet.

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Shailendra May 14, 2015 at 11:28 AM

Hi,
Pls let me know, in the life insurance they have a clause that it will continue to be valid till one reaches 55years of the age, does this mean after 55 years of age the life insurance will automatically get discontinued?
If it gets discontinued do we get the maturity amount with interest that we have paid per annum.
Also let me know if there is a maturity period other than death?

thanks,

Shailendra.

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Shiv Kukreja May 14, 2015 at 12:45 PM

Hi,
1. Coverage under PMJJBY (life insurance) will be provided only till the age of 55 years. So, after 55 years of age, your life insurance agreement will automatically cease. However, PMSBY is valid till 70 years of age.
2. Nothing will be paid back to you as the maturity amount or principal premium amount with interest.
3. There is no maturity period other than death.

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Shailendra May 14, 2015 at 4:51 PM

Thanks for the information

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Shiv Kukreja May 14, 2015 at 4:56 PM

You are welcome!

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dhanaraju May 14, 2015 at 4:49 PM

i have made PMSBY application through my internet banking login, Now from social security schemes tab, it was showing the status
One item found.1
Reference number: 1200451299
Scheme Name :Pradhan Mantri Suraksha Bima Yojana (PMSBY) Bank Name: State Bank of India
Branch Code: A0174
i didnt sure i was with this scheme now because money also was not debited from me. may i know whats it status? am i with this scheme or i have to register again for this?

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Shiv Kukreja May 14, 2015 at 4:54 PM

It seems that your online application has got submitted. The premium might get deducted between May 25 and June 1.

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Firoz Aga May 14, 2015 at 11:44 PM

Hi, My name is Firoz
In (PMSBY) I want to know about documents required at the time of claim to prove that it was an accident. who will be the intermediary to helps us in settlement of the claim from the insurance company. How our claim will be reimbursed (fund transfer). Wheatre politicians are allowed to take (PMSBY) policy.

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Shiv Kukreja May 15, 2015 at 9:02 PM

Hi Firoz,
I do not have any information regarding claim settlement procedure as yet. Also, I don’t find any reason why politicians would be barred from taking PMSBY policy.

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Rubai Soni May 15, 2015 at 2:33 AM

Hi,

I am currently located in USA and will be here for a few more months.How can I activate the PMSBY and PMJJBY schemes? I have an account in ICICI bank.

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Shiv Kukreja May 15, 2015 at 9:04 PM

Hi Rubai,
I think you can subscribe to these schemes on the ICICI Bank net banking platform.

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Khushroo May 15, 2015 at 10:36 AM

Hi,

I am currently insured with LIC in endowment plans as well as TERM plan. Still i want to take this insurance under PMJJY. Tomorrow if i die i will get sum assured from LIC as well as PMJJY right? Or only one policy provider? Pls clarify.

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Shiv Kukreja May 15, 2015 at 9:08 PM

Hi Khushroo,
You’ll get insurance claim under both your policies.

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Nandy May 15, 2015 at 4:21 PM

Hello sir,
I’m 23 years old. Which policy am I eligible to? Either to 330 /- or 12 /- ?

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Shiv Kukreja May 15, 2015 at 9:10 PM

Hi Nandy,
You are eligible to both these policies.

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Dilip May 15, 2015 at 8:10 PM

Dear Mandy,
There r two different plan.U can take both or either any one.
One is life insurance cover another only accident related.

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Tako May 16, 2015 at 11:07 AM

Dear Sir,
In both schemes PMJJBY & PMSBJ, how nominees will claims and what documents will require after death/dismissed of subscriber.
Please explain….?

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Shiv Kukreja May 17, 2015 at 4:28 PM

Hi Tako,
Nominees will file their insurance claims in a similar manner as it is in all other insurance policies. Death/disability certificate along with the certificate of insurance will be required to be submitted.

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darsh parekh May 16, 2015 at 12:44 PM

If i have an lic policy n on my death can i claim this insurance money from lic n this pmjjby policy together…..or any one of them nly will be eligible

Thanks in advance

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Shiv Kukreja May 17, 2015 at 4:33 PM

Hi Darsh,
Your nominee(s) can file claims against both your policies.

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Deb Das May 16, 2015 at 10:02 PM

1) I have a joint account in name of me and my wife. should both of us entitled for PMSBY & PMGGBY from same (joint) account?

2) Should i subscribe these scheme through online?

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Shiv Kukreja May 17, 2015 at 4:35 PM

1. Yes, both of you are eligible for these schemes with a single joint account.
2. It is upto you how you want to go about it, online or offline.

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Manuj May 17, 2015 at 9:53 PM

Sir, I want to purchase Pradhan Mantri Suraksha Bima Yojana (PMSBY)for our workers/ labour…and when I read the scheme offered by the government, I noticed that there is no definition to the word “Accident”. Please confirm whether the word “Accident” incudes only road accident or any other accident as well? Like any mishap during work in office or natural calamity eg. earthquake…if yes, please share the link or any document as confirmation for the same by the government, if any.

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Shiv Kukreja May 18, 2015 at 4:03 PM

Hi Manuj,
‘Accident’ covers different types of accidents like road, rail accidents, accidents due to natural calamities and arising out of terrorism / terrorist acts. As of now, there is no such document available for PMSBY, but here you have the link to one such policy from National Insurance – https://nationalinsuranceindia.nic.co.in/portal/page/portal/Corporate/Home/PersonalinsuranceProduct?_piref74_31257_74_27152_27152.next_page=%2Fpersonalpoliciesservlet?policyid=6

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hitesh dhaduk May 18, 2015 at 2:37 PM

hello sir,

me 2 years se NPS contribution kar raha hu. me ye jaan na chahta hu ki kya ye NPS yojana 1-6-2015 se Atal Pension Yojana me convert ho rahi he?

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Shiv Kukreja May 18, 2015 at 4:06 PM

Hi Hitesh,
Only NPS Lite – Swavalamban Yojana will be merged with the Atal Pension Yojana (APY) w.e.f. June 1, 2015.

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Mayur Thacker May 18, 2015 at 3:29 PM

Respected sir,
I heard that if i have alredy insured myself from anyother insurance service provider than i am not eligibile for this both scheme is it true ???

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Shiv Kukreja May 18, 2015 at 4:08 PM

No Mayur, that is not correct. You can subscribe to these schemes even if you have other insurance policies.

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Mayur Thacker May 18, 2015 at 3:31 PM

Respected sir,
i want to know about pension scheme what are its benefits and process to enroll ??? My age is 24 years

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Shiv Kukreja May 18, 2015 at 4:09 PM
shikha May 18, 2015 at 6:54 PM

Can we open pradhan mantri suraksha bima yojana in my both accounts of canara bank and punjab & sind bank..??

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Shiv Kukreja May 19, 2015 at 12:21 PM

No Shikha, it is not allowed to subscribe to PMSBY or PMJJBY from more than one bank account.

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suryaba May 20, 2015 at 1:53 PM

how can i activate both schemes in canara bank by moblile message…?

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Shiv Kukreja May 22, 2015 at 12:30 PM

Hi Suryaba,
Canara Bank has not started the SMS services for getting enrolled for these schemes. This is the response I got when I called them today on 1800 425 0018.

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Subhankar May 20, 2015 at 3:08 PM

Sir, If I have two existing policy with other insurance co. can I get PMSBY

thanks and Regards,

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Shiv Kukreja May 22, 2015 at 12:31 PM

Yes Subhankar, you can subscribe to PMSBY.

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sudhakaran May 20, 2015 at 8:25 PM

nice and helpful

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Shiv Kukreja May 22, 2015 at 12:32 PM

Thanks Sudhakaran!

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daxesh May 21, 2015 at 12:38 PM

as per this scheme, nowhere mention about the claim procedure i .e. where to lodge a claim? what are the docs required? time limit of claim settlement? from where to download a claim form? is it directly credited to sb a/c.?

in our country where still people are illiterate, then main question is arise how they will take the benefit of this policy for whom such scheme is launched by govt.

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Shiv Kukreja May 22, 2015 at 12:35 PM

Hi Daxesh,
I think the claim form is available on most of the bank websites and branches. Please contact the bank officials for further details. Moreover, the scheme is getting started w.e.f. June 1, so there is still a lot of time for the banks to get the details and provide its customers with the same.

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Tako May 21, 2015 at 3:41 PM

Dear Sir,
as per this scheme, nowhere mention about the claim procedure i .e. where to lodge a claim? what are the docs required? time limit of claim settlement? from where to download a claim form? is it directly credited to SBI a/c.?

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Shiv Kukreja May 22, 2015 at 12:38 PM

Please contact the bank branch and they will definitely provide you with the solutions. Claim forms are there on many of the websites/bank branches.

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sudhakaran May 21, 2015 at 9:13 PM

entire procedure to be displayed

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Shiv Kukreja May 22, 2015 at 12:39 PM

Sorry, I do not have such information to be displayed.

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Neelam Bani May 22, 2015 at 3:25 PM

Dear Sir,

I have two-three queries,please clarify.
1)in my family there are 4 member and all are having account in different different banks so can i fill suraksha bima form for all persons.
2) i have filled form for me but need information that where i need to submit this form.

Please clarify?

Regards,
Neelam Bani

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Shiv Kukreja May 23, 2015 at 2:32 PM

Hi Neelam,
1. Yes, all 4 members can subscribe to these schemes, PMJJBY & PMSBY.
2. You need to submit it in your bank branch.

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suman Patnaik May 22, 2015 at 6:54 PM

Sir
I also personally found these schemes to b very attractive, but the bankers had not issued me any receipt for the insurance.
I m quite worried for that

Please guide me what to do.

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Shiv Kukreja May 23, 2015 at 2:34 PM

Most banks are asking their customers to get the receipt collected on or after 1st June. So, you should not worry about that. Once the premium gets deducted, it is a proof that you have subscribed to these schemes.

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Sahil May 23, 2015 at 2:01 PM

Sir, My question is that can we get the money after the maturity time period???

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Shiv Kukreja May 23, 2015 at 3:31 PM

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

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dipak kumar May 23, 2015 at 2:10 PM

PMSBY me natural death hone par claim hoga kya. aur kis prakar ke death par claim kar sakte hai.

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Shiv Kukreja May 23, 2015 at 3:34 PM

Nahin Dipak, natural death PMSBY ke under covered nahin hai. Accidental death or disability is covered under PMSBY.

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divya May 23, 2015 at 10:31 PM

want to know whether I can change the bank next year when i renew the scheme

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Shiv Kukreja May 25, 2015 at 2:34 PM

Yes Divya, you can do so.

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sunil May 24, 2015 at 3:48 AM

Hi Shiv

In the Pradhan Mantri Jeevan Jyoti Bima Yojana , If we are still alive after 55 years cover, will we get the 2 lakhs if we are still alive after 55 years , One of friend in bank Opened this scheme and was told he will get it once complete 55 yrs

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Shiv Kukreja May 25, 2015 at 2:36 PM

Hi Sunil,
That is incorrect information. Nothing will be paid to you if you survive the insurance policy period.

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Suraj yadav May 24, 2015 at 6:33 AM

Dear sir/madam if in insurance period no any accident is happen so balance is refundable or not after complete of period date

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Shiv Kukreja May 25, 2015 at 2:37 PM

Hi Suraj,
Nothing will be paid if the insured person survives the insurance policy period.

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Viralkumar May 24, 2015 at 10:33 AM

Just I want to confirm if I have already any other general insurance like lic, max company policy then this pradhan mantri jeevan jyot bima yojna also payable claim or not.

Can we received claim from both lic and pradhan mantri jeevan jyot yojna?

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Shiv Kukreja May 25, 2015 at 2:40 PM

Yes Viral, you can make insurance claim under both your policies – LIC as well as PMJJBY.

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Raguvaran May 24, 2015 at 11:11 AM

Respected Sir. Please send me the Indian overseas Bank link for online enrolment of insurance. I searched but I couldn’t find.

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Shiv Kukreja May 25, 2015 at 2:43 PM

Hi Raguvaran,
Even I do not have the IOB link for this scheme.

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Dhaval Ramtirthkar May 25, 2015 at 5:14 PM

Dear Sir,
I have an ICICI Lombard Accident Insurance Policy of Rs.5 lakhs. If I take PMSBY of Rs.2 lacs then can I claim from both policies if I meet an accident and the medical cost is Rs.9 lakhs?

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Shiv Kukreja May 25, 2015 at 10:14 PM

Hi Dhaval,
PMSBY covers only accidental death and disability (partial/full). In case of any such unfortunate event, you or your family will get insurance cover under both your policies, ICICI Lombard as well as PMSBY.

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Vijay May 25, 2015 at 6:40 PM

sir mera account sbi hathars up me or me present time ajmer me hoo.me yha ki kisi bhi branch me pmJjby ka from sumbit kar sakta hoo

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Shiv Kukreja May 25, 2015 at 10:15 PM

Yes Vijay, aap Ajmer mein ye scheme avail kar sakte hain.

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Nanjundaswamy M May 26, 2015 at 12:10 AM

Sir
I have applied for PMSBY through online banking(Axis Bank). my question is will they give(Axis bank) any certificate Or document for this?

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Shiv Kukreja May 26, 2015 at 10:19 AM

Hi Nanjundaswamy,
Not sure about it, but I don’t think they will give any certificate for the same. You will be provided with some kind of e-Acknowledgement and that will work as your Certificate of Insurance as well.

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vijay May 26, 2015 at 12:49 PM

In PMSBY scheme there is any income boundation

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Shiv Kukreja May 26, 2015 at 8:51 PM

No Mr. Vijay, there is no income cap for PMSBY.

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Ram May 26, 2015 at 3:09 PM

Sir, I have submitted PMJJY and PMJSY applications through SBI online, but I want to check (view) my application again to edit. I have a doubt that I have entered my nominee’s DOB wrong, how would I change it. Applications submitted but amount not deducted from my account.

Thank you

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Shiv Kukreja May 26, 2015 at 8:52 PM

You need to contact SBI for the same and ask for making changes to your application.

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Dhaval Ramtirthkar May 27, 2015 at 10:53 AM

Hi,
I have registered through SBI net banking. However, in the final form the email ID was seen as blank. So how will I get the policy details if they don’t have my email id registered?

Also, can I register to PMBSY by sending an SMS to SBI?

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Shiv Kukreja May 27, 2015 at 12:28 PM

Hi Dhaval,
I have no idea how SBI is going to confirm the receipt of your application, I think they would send an SMS to you once your application is processed & premium gets debited. Also, SMS facility must be there with SBI, but I don’t know the format of the SMS to be sent.

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suraj yadav May 27, 2015 at 11:10 AM

sir i m 17 year old.can i take these insurance polcies

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Shiv Kukreja May 27, 2015 at 12:28 PM

No Suraj, you are not eligible for these policies.

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Rita May 27, 2015 at 11:12 AM

I want to take both plan for my son. He is studying …so time doesn’t suit to bank time…we can apply through sms? Please give me detail where to sms?

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Shiv Kukreja May 27, 2015 at 12:44 PM

Hi Rita,
Every bank has its own number for servicing clients for these schemes though SMS. Which bank is yours?

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Shalini May 27, 2015 at 11:59 AM

How can I activate PMSBY scheme in SBI bank by moblile message…?

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Shiv Kukreja May 27, 2015 at 12:44 PM

Sorry Shalini, I don’t have the SMS details of SBI for this scheme.

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Gopal Dewrari May 27, 2015 at 2:29 PM

Hi Sir,
I am working in Private company & I have EPF account. can I take the Aatal Pension scheme because in APS instruction that this policy for unstructured income people/ poor people.
secondary, can I open the both PMSBY & Jiven jyoti scheme online through SBI Net banking.

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Shiv Kukreja May 27, 2015 at 3:05 PM

Hi Gopal,
Every citizen of India can open APY account. But, as you are already covered under EPF, you won’t get the government contribution of up to Rs. 1,000 per annum. Moreover, yes, you can get both PMJJBY & PMSBY opened through SBI net banking.

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shri kant May 27, 2015 at 2:42 PM

I need information like I have two bank account. To enroll this PMSBY I text in PNB and got the request ref no. and to enroll the same policy in icici I put a service request online and got the policy no.

After that I came to know this schema we can have only in one bank. then what is the procedure to cancel PNB request online.

Reply

Shiv Kukreja May 27, 2015 at 3:22 PM

I have no idea how to cancel your request, you will have to contact PNB for the same.

Reply

abhishek May 27, 2015 at 7:22 PM

If in insurance policy …crosses the insurance age !

Will he be refunded ?

And what is insurance age ?

Reply

Shiv Kukreja May 28, 2015 at 11:10 PM

Age limit in PMSBY is 70 years. Nothing will be refunded back to the insured in case he/she survives the insurance period.

Reply

Sanjeet Singh May 28, 2015 at 10:29 AM

I registered for PMSBY & PMJJBY both online. The amount has been deducted from my account also. Now how can i get my receipt against both the security schemes. I should have proof of having the schemes other than the bank account statement showing the debited amount against the scheme. Please help!

Reply

Shiv Kukreja May 28, 2015 at 6:17 PM

Hi Sanjeet,
I think you’ll have to wait some time for the bank to provide you with some kind of e-acknowledgement and SMS confirmation.

Reply

Rita May 28, 2015 at 10:52 AM

Hdfc bank ….sms servic i want to kw the number
or through net banking we can do?

Reply

Shiv Kukreja May 28, 2015 at 6:27 PM

Hi Rita,
With HDFC Bank, you can subscribe to these schemes through Net Banking as well as by sending an SMS.
PMJJBY – To subscribe, you need to SMS PMJJBY Y to 5676712 from your registered mobile number.
PMSBY – To subscribe, you need to SMS PMSBY
Y to 5676712 from your registered mobile number.

Reply

Ravindra Wagh May 28, 2015 at 10:56 AM

Hi sir,
Can i submit my application form online
Because i am live in other place and my account my hometown

So please guide me

Reply

Shiv Kukreja May 28, 2015 at 6:28 PM

Hi Ravindra,
Yes, you can submit your application online through your bank’s net banking platform.

Reply

girish May 28, 2015 at 10:54 PM

i already registeted my sister name. before two days back now she got accident can plz reply me now its appplicable

Reply

Shiv Kukreja May 28, 2015 at 11:00 PM

Coverage under this scheme starts from June 1, 2015. So, I don’t think your sister can claim this amount for an accident before June 1. But, you can still check it with the bank/insurance company.

Reply

mukesh pandit May 29, 2015 at 11:04 AM

how can i check confirm pradhanmantri yojana form.i have submitted form in icici bank through and toll free no of maharashta state

Reply

Shiv Kukreja May 29, 2015 at 11:35 AM

Hi Mukesh,
You need to check it with your bank itself.

Reply

vinay May 29, 2015 at 12:52 PM

Is there any return after maturity?

Reply

Shiv Kukreja May 29, 2015 at 1:07 PM

No Vinay, nothing would be returned in case no accidental event happens during the insurance period.

Reply

Divya May 29, 2015 at 1:22 PM

Hi,

Rightnow I want to cancel my PMJJBY Scheme whats is the Procedure please help mesir

Reply

Shiv Kukreja May 29, 2015 at 1:43 PM

Hi Divya,
Cancellation procedure is not yet disclosed by any of the banks or insurance companies. You need to contact your bank for the same.

Reply

Naveen kumar May 29, 2015 at 2:41 PM

Sir,
I have sended you message to register me for PMJJBY,PMSBY but still I dont get any confirmation message.so how can know either my request is recieved or not.

Reply

Shiv Kukreja May 29, 2015 at 3:07 PM

Sorry, I didn’t get any such message. On which mail id/number, you sent the message?

Reply

Naveenkumar May 29, 2015 at 3:27 PM

From my mobile_7842741416

Reply

Naveenkumar May 29, 2015 at 3:29 PM

From my number_7842741416

Reply

Shiv Kukreja May 29, 2015 at 3:34 PM

I didn’t get any such message. I don’t know on which no. you sent the message.

Reply

deepti May 29, 2015 at 4:05 PM

Sir can u pls let me know what are the documents required to be submitted in the bank for registration urder this scheme

Reply

Shiv Kukreja May 29, 2015 at 7:34 PM

Hi Deepti,
No document is required to be submitted for this scheme. You just need to apply for this scheme online or by filling a simple form.

Reply

R.C.Goyal May 29, 2015 at 7:56 PM

I have registered online for PMSBY. My question is what is the definition of ACCIDENT under this scheme. Is all types of accidents (fire, road, earthquake, fall from height, drowning- all unnatural deaths) covered under PMSBY.

Reply

Shiv Kukreja May 29, 2015 at 8:27 PM

Hi Mr. Goyal,
For broad definition of accident under PMSBY, you need to contact the insurance company.

Reply

Amresh Shet May 30, 2015 at 11:14 AM

How do we subscribe for these schemes using Bank of India account via sms?

Reply

Shiv Kukreja May 30, 2015 at 3:06 PM

Hi Amresh,
You need to check it with Bank of India.

Reply

Neeraj Gupta May 30, 2015 at 12:04 PM

For both schemes, how can I apply with my registered mobile in SBI Bank ?

Reply

Shiv Kukreja May 30, 2015 at 3:08 PM

Hi Neeraj,
I don’t have the SBI number for these schemes, you need to check it with your bank branch.

Reply

Santhosh May 30, 2015 at 12:08 PM

Hi Shiv,

I want know number for sms register or how can i do register through online banking for ICICI BANK.

Reply

Shiv Kukreja May 30, 2015 at 3:12 PM

Hi Santhosh,
ICICI Bank customers need to SMS “PMSBY Nominee name Y” or “PMJJBY Nominee name Y” to 5676766 from their registered mobile number.

Reply

mukta pujari May 30, 2015 at 12:53 PM

can i know last date of submission

Reply

Shiv Kukreja May 30, 2015 at 3:14 PM

Interim last date of submission is tomorrow i.e. May 31, 2015. But, you have time till August 31, 2015 to subscribe to these schemes.

Reply

Rajesh Kumar Morwal May 30, 2015 at 5:32 PM

Hi,
How can apply this,
Can apply Tax Pair.

Reply

Shiv Kukreja May 30, 2015 at 6:25 PM

Hi Mr. Rajesh,
You can apply for this scheme by visiting your bank branch or through net banking / SMS. Also, taxpayers can also apply for these schemes.

Reply

Rajesh Kumar Morwal May 30, 2015 at 5:35 PM

Can you tell me who can apply, can Tax Pair apply. pls. tell us all conditions.

Reply

sagar May 30, 2015 at 6:05 PM

After any incident, for insurance claim, I ll have to contact my bank ICICI or some insurance company ??
Please name the companies if any, providing these insurances.

Reply

Shiv Kukreja May 30, 2015 at 6:26 PM
prashant mithal May 30, 2015 at 7:56 PM

I have my bank account in citi bank …how can i apply for this scheme
Please help

Reply

Shiv Kukreja May 30, 2015 at 11:56 PM

I am not sure whether Citibank has tied up with any insurance company for these schemes or not. You need to contact Citibank for the same.

Reply

ravindar May 31, 2015 at 4:22 PM

Sir ,
Am a banker.today we received many forms thinking today as the last date.. In our DC they said like till tmrw mrng 11am only we can do entries,But now I came to know till august we have got time.. So can I make later also?

Reply

Shiv Kukreja June 1, 2015 at 12:24 PM

Yes Ravindar, one can subscribe to these schemes till August 31, 2015 for the current insurance period i.e. June 1, 2015 to May 31, 2015. But, there are certain conditions which one needs to fulfil subsequent to May 31, 2015.

Reply

ANKIT PINCHA May 31, 2015 at 8:55 PM

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

Reply

Shiv Kukreja June 1, 2015 at 12:25 PM

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

Reply

suraj rai June 1, 2015 at 3:18 PM

Hi in case I have an accident policy and life policy in other companies then also I can cilam in the amount in both the policy ie. In other inuances company and in pmjjvy

Reply

Shiv Kukreja June 1, 2015 at 4:32 PM

Yes Suraj, you can apply for these schemes and claim the amount in case of any unfortunate event.

Reply

vijay June 1, 2015 at 3:41 PM

Does a Govt. Employee can take benefit of Pradhan Mantri Suraksha Bima Yojana

Reply

Shiv Kukreja June 1, 2015 at 4:33 PM

Yes Vijay, government employees are also eligible for PMSBY.

Reply

ganapathi June 3, 2015 at 2:31 PM

hi ..!! wats d procedure fr d application could you help me out with this..??
& how to apply ..??
n is this scheme applicable to all banks..??

Reply

Shiv Kukreja June 3, 2015 at 3:05 PM

Hi Ganapathi,
You can apply for this scheme online through net banking or by visiting your bank or by SMS. This scheme is available with most of the banks, if not all.

Reply

Shyam June 3, 2015 at 8:46 PM

HDFC Bank SMS : PMSBY__Y Send it to 5676712 Any Issue Call HDFC Toll Free 18001801111

Reply

Shiv Kukreja June 3, 2015 at 9:11 PM

Thanks Shyam for this info!

Reply

pritam June 3, 2015 at 9:22 PM

I didn’t find online payment option on sbi netbanking platform. Plz helps! !

Reply

Shiv Kukreja June 3, 2015 at 9:32 PM

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

Reply

Gopal Dewrari June 5, 2015 at 12:05 PM

Sir, can I apply both PMJJY and PMJSY policy through SBI net banking after 1 June 2015. because many bank has pasted information in their bank that last date of registration for both scheme is 31st May 2015.

Reply

Shiv Kukreja June 5, 2015 at 12:56 PM

Hi Gopal,
Not sure about it, but I think it should be available. I have Kotak & HDFC accounts and it is available on both these platforms.

Reply

priya June 5, 2015 at 11:20 PM

how to apply for PMJJBY throgh sms.state bank of india number is what for msg services

Reply

Shiv Kukreja June 6, 2015 at 12:08 AM

Sorry Priya, we do not have SBI’s number for SMS subscription.

Reply

prasad June 6, 2015 at 3:55 PM

hi,
I had registered for Both beema & accident insurance & got debit of 342.00. On 2nd of this month I met with road accident with 100 % fractured leg bone then treated with implanted rod
, I want to get clarified weather I get 1 lakh compensate on this?

Reply

Shiv Kukreja June 7, 2015 at 6:31 PM

Hi Prasad,
You need to confirm it with the insurance company or the bank whether 100% fractured leg bone with implanted rod is covered under loss of one limb or not.

Reply

p k gulati June 6, 2015 at 5:01 PM

what is the last date of above scheme. Can we still join the above scheme.

Reply

Shiv Kukreja June 7, 2015 at 6:32 PM

August 31, 2015 is the last date for this scheme for the current insurance period.

Reply

abhay chaudhari June 7, 2015 at 6:25 PM

Can a person who have insurance policy holder other than PMSBY or PMJJBY is eligible for PMSBY & PMJJBY cause there is no statement in rules or terms and conditions of the schene

Reply

Shiv Kukreja June 7, 2015 at 6:33 PM

Yes Abhay, an already insured person is eligible for these schemes.

Reply

karthik June 12, 2015 at 8:52 AM

hii
i want to apply these both schemes.through sbi net banking,
so can u tell that process

Reply

Shiv Kukreja June 12, 2015 at 2:49 PM

Hi Karthik,
Just log in to your net banking portal. Go to My Accounts > Account Summary > Social Security Schemes and apply for these schemes.

Reply

amit kumar June 12, 2015 at 5:06 PM

I m in army and I want to know that are we ppl from army can also apply for both these schemes. If yes Pl guide us. How to go about it. Thanks and regards. Also Pl tell me the basic difference in both the scheme.

Reply

Shiv Kukreja June 12, 2015 at 11:37 PM

Yes Amit, army personnel are also eligible for these schemes. You can visit any of your bank branches and apply for these schemes. PMJJBY is a term insurance plan with Rs. 2 lakh life cover for a premium of Rs. 330, while PMSBY is an accidental disability & death insurance scheme of Rs. 2 lakh for a premium of Rs. 12.

Reply

tanny June 13, 2015 at 1:31 PM

Good morning.As an employer of small business, can I pay for these policies for my staff? If then, what is the procedure please? Thanks.

Reply

Shiv Kukreja June 16, 2015 at 1:50 PM

Hi Tanny,
Each of your staff needs to have a savings bank account and this schemes needs to be linked to that account. You can provide the cash benefit to your staff for the premium paid.

Reply

tanny June 16, 2015 at 5:08 PM

thank you for your reply

Reply

Shiv Kukreja June 16, 2015 at 6:09 PM

You are welcome Tanny!

Reply

kiran bomble June 13, 2015 at 5:47 PM

Hi
i open my policy with Kotak Mahindra Bank

but my queary is What is the policy number how get it to me.

send info in mai.

Reply

Shiv Kukreja June 16, 2015 at 1:55 PM

Hi Kiran,
It is a master policy in which each account holder, who subscribes to this scheme, is a beneficiary. You need to check the master policy no. with your bank.

Reply

naresh June 14, 2015 at 9:43 PM

i want to use this service

Reply

SANJIB KUMAR DUTTA June 16, 2015 at 8:40 AM

I have also registered for PMSBY & PMJJBY both. The amount has been deducted from my account immediately.
Now how can I get my receipts & original Policy documents against both the security schemes.
I must have proof of having these schemes other than the bank account statement showing the debited amount against these schemes.
Please help immediately!

Reply

Shiv Kukreja June 16, 2015 at 2:38 PM

Hi Sanjib,
Banks are not issuing/providing any kind of receipt or certificate for online subscription. Premium payment itself is the proof of subscription.

Reply

divya soni June 19, 2015 at 1:44 PM

What is the difference between 12 rs per year & 330 per year scheme

Reply

Shiv Kukreja June 19, 2015 at 8:07 PM

Rs. 12 per year scheme is PMSBY, which is an accidental death & disability scheme. Rs. 330 per year scheme is PMJJBY, which is a life insurance scheme & covers death due to any reason.

Reply

Madhubabu June 19, 2015 at 8:04 PM

Already I’m having LIC policies. Suppose if i take these policies, will i get benefits from both the sources? kindly clarify.

Reply

Shiv Kukreja June 22, 2015 at 11:20 PM

Yes Madhubabu, you will get benefits from both the sources.

Reply

rajib June 20, 2015 at 12:30 PM

Is there any return after maturity for PMJJBY in case no event of subscriber death?
What if one get a government job after taking ATAL PENSION YOJANA?

Reply

Shiv Kukreja June 22, 2015 at 11:23 PM

No Rajib, there is no return after maturity in PMJJBY. As you get a government job, the government will stop making its co-contributions.

Reply

devender June 20, 2015 at 12:59 PM

Sir ,

the pm’s
Scheme of rs 12/year
exidental insurance.
And 330 sss
Jivan jyoti bimas
samples of filled formare avlbl here.. cn yu pls snd me by mail
And
aftr filleng these
Cn bank gv me any certificate or document relted this… …

Reply

Shiv Kukreja June 22, 2015 at 11:42 PM

Hi Devender,
Application forms of these schemes carry acknowledgement slip cum certificate of insurance. Banks will provide you the acknowledgement duly stamped.

Reply

devender June 20, 2015 at 1:07 PM

And cn i got any recipt of balnce deduction
frm my account evry year….

Reply

Shiv Kukreja June 22, 2015 at 11:45 PM

Debit entry in your passbook is the proof of your insurance payment.

Reply

sankar June 20, 2015 at 1:12 PM

Hi sir,im a govt employee.I have already existing in New Pension System.can i eligible for PMSBY,PMJJBY&APY?

Reply

Shiv Kukreja June 22, 2015 at 11:55 PM

Hi Sankar,
Every Indian Citizen is eligible for these schemes. So, if your age is within the limits, you are also eligible for all these schemes. However, being an NPS subscriber, you will not get the government co-contribution of up to Rs. 1,000 per annum.

Reply

Amol June 22, 2015 at 6:09 PM

Sir will you please tell me which company providing insuranace schemes to PMJY?

Reply

Shiv Kukreja June 22, 2015 at 11:55 PM
Amit June 23, 2015 at 10:31 AM

Can Bank deduct premium without consent of account holder. Can bank deduct premium even if the customer has not applied by filling form / online / sms /phone.

What can be done if Bank has forcefully deducted the premium.

Reply

Shiv Kukreja June 23, 2015 at 5:40 PM

Hi Amit,
You can make a complaint to the nodal officer of the bank or approach the Banking Ombudsman – https://rbi.org.in/scripts/FAQView.aspx?Id=24

Reply

Amit June 23, 2015 at 5:45 PM

Hi Shiv Kukreja Sir,

Thanks for the reply and your reply would be very useful for me and many like me.

Reply

Shiv Kukreja June 23, 2015 at 5:48 PM

You are most welcome Amit!

Reply

sandeep June 23, 2015 at 3:05 PM

If a person has give pmjjby pmsby application form along with debit mandate in may. Bank has give acknowledge ment slip of both to customer. But bank has debit only 12 rupee for pmsby in June and not debit 330 even lot of balance in account. Later customer is died of cancer now how can nominee claim because bank saying there is no debit for pmjjby. But he has acknowledge slip it is bank fault why nominee suffer. Please reply in my mail also most urgent sir

Reply

Shiv Kukreja June 23, 2015 at 5:43 PM

Hi Sandeep,
Firstly, you need to check the reason behind non-debit of premium. If it is bank’s mistake, then you can make an appeal in the banking ombudsman or even take the bank to the court of law.

Reply

Jimmy June 23, 2015 at 5:14 PM

Dear Sir,
Is there any limit to the premiums paid?. What to do if we want more coverage? Say 20,00,000 ?

Reply

Shiv Kukreja June 23, 2015 at 6:35 PM

Hi Jimmy,
You cannot have more than one policy under PMSBY. You need to buy insurance from other insurance companies in order to have a higher coverage.

Reply

Siddharth Gajera June 24, 2015 at 6:11 AM

Dear Sir,

If person availed other accidental and life insurance, is he eligible for PMSBY and PMJJBY? Because bank authorities says if you are already insured you can not avail the said schemes.
As it is government subsidized scheme, is there any problem while claim settlement, as we possess other company’s insurance?

Reply

Shiv Kukreja June 24, 2015 at 6:52 PM

Hi Siddharth,
Bank authorities are misleading you. You can have other policies and still subscribe to these schemes. Moreover, I can’t predict whether there would be any problem with claim settlement or not.

Reply

Siddharth Gajera June 24, 2015 at 9:31 AM

Dear Sir
As per my knowledge APY is eligible for whom are not paying income tax. Then if somebody is not paying tax currently and started APY, in that case after some years if he came under tax paying slab (he need to pay income tax) than what happened?
Regards,
Siddharth

Reply

Shiv Kukreja June 24, 2015 at 6:40 PM

Hi Siddharth,
A person, who is a tax payer, is not eligible for the government contribution. So, once you become a tax payer, the government would stop contributing to your account.

Reply

samar das June 24, 2015 at 10:19 AM

How to claim this

Reply

Shiv Kukreja June 24, 2015 at 6:41 PM
UDAY KALE June 24, 2015 at 10:26 AM

Sir, I have got Savings Bank account with Central Bank of India. In an online form for PMSBY, one field to be filled is Date of Birth which shows “NULL” and their online software does not allow to fill up my correct Birth Date. Shall I ignore it and submit with filling other details? or it will cause me trouble in future? please advise.

Reply

Shiv Kukreja June 24, 2015 at 6:43 PM

Hi Uday,
I am not sure whether it could create some kind of trouble for you or not. Please try to submit a physical application form.

Reply

manish June 27, 2015 at 5:19 AM

from where to avail claim.. whats the claim procedure
????

Reply

Shiv Kukreja July 1, 2015 at 7:55 PM
sudesna June 28, 2015 at 1:48 PM

Can apply for prime minister’ bima surakshya & jeevan surakhya yojna after joining APY??

Reply

sudesna June 28, 2015 at 1:51 PM

Can i apply for prime minister’s bima surakshya & jeevan surakhya yojna after joining APY??

Reply

Shiv Kukreja July 1, 2015 at 7:56 PM

Yes Sudesna, you can do so.

Reply

mohammed June 28, 2015 at 3:26 PM

How to cancel this insurence.

Reply

Shiv Kukreja July 1, 2015 at 7:57 PM

Hi Mohammed,
You need to contact your bank branch for cancelling this insurance.

Reply

soundarya June 29, 2015 at 5:43 AM

This schme was good but My mother age was 40 but aadhar card as wrong date of birth so how can apply for my mother

Reply

Shiv Kukreja July 1, 2015 at 7:58 PM

You need not have Aadhar Card for subscribing to this scheme.

Reply

Srijon Mandal July 2, 2015 at 6:24 AM

I have done Rs. 12 insurance through SBI but not received any document. What to do?

Reply

Shiv Kukreja July 2, 2015 at 2:57 PM

Hi Srijon,
You need not do anything about it. Debit entry of Rs. 12 in your bank statement/passbook is the proof of your subscription.

Reply

nakul singh July 13, 2015 at 1:26 PM

Hello sir ,
I am nakul singh and I have looking to apply for pmsby and pmjjy .I have an account with Pnb can I applied for it trough sms if yes then please provide me the procedure.

Reply

Shiv Kukreja July 15, 2015 at 2:46 PM

Hi Nakul,
You can apply for it through SMS, but I do not know the bank’s detailed procedure.

Reply

shivani sharma July 21, 2015 at 8:26 AM

hello sir,

if anyone who wants to join PMSBY who is NRI in this case he joins the scheme or not

Reply

Shiv Kukreja July 24, 2015 at 6:08 PM

Hi Shivani,
NRIs are not eligible for this scheme.

Reply

ManeeshaGupta July 29, 2015 at 7:40 AM

Hi! I have a query on coverage. If there is a loss of one foot and one hand, will it be considered 100% disability and the claimant is entitled for ?2lacs as compensation??? None of the Public sector Insurance companies could reply without ambiguity. Please answer.

Reply

Shiv Kukreja August 4, 2015 at 7:07 PM

Hi Maneesha,
As per the wordings of the rules governing this scheme – “Total and irrecoverable loss of both eyes or loss of use of both hands or feet or loss of sight of one eye and loss of use of hand or foot” is covered under 100% disability. It seems from the language that a loss of one foot and one hand would be covered under partial disability and only Rs. 1 lakh would be paid. However, I think it should ideally be 100% disability.

Reply

Hitesh Gajjar July 30, 2015 at 6:12 AM

can natural death is covered for claim in Pradhan Mantri Insurance for Rs. 12/- premium. please guide

Reply

Shiv Kukreja August 4, 2015 at 7:08 PM

No Hitesh, a natural death is not covered under Rs. 12 PMSBY. It is covered under Rs. 330 PMJJBY.

Reply

Rajeev July 31, 2015 at 9:50 AM

I got enrolled inPMSBY .I want to know will I be getting any Bond.What is the proof with insurance companies that I subscribed to this yojana .

Reply

Shiv Kukreja August 4, 2015 at 7:09 PM

Hi Rajeev,
Insurance companies have received your insurance premium and the debit entry in your passbook or bank statement is the proof.

Reply

nirmal kumar surana August 17, 2015 at 1:41 PM

Namate
Please clerify
Accidental death means what…?
Is only vehicle accident ? Or any kind of accidenatal death..?

Reply

Shiv Kukreja August 17, 2015 at 4:23 PM

Namaste Nirmal,
It covers all kind of accidents, including vehicle accidents.

Reply

sachin August 22, 2015 at 7:20 PM

kya hai ye yojana mujhe malum nahi nhai krupaya mujhe ye yojana ka sms ki jiye

Reply

Jignesh lad August 22, 2015 at 8:32 PM

Hi sir i am living in dubai . I want to do both vima yojana. How can i do that? Is it limited time to open account or unlimited

Reply

Shiv Kukreja August 23, 2015 at 12:17 AM

Hi Jignesh,
These schemes are available only to the Resident Indians.

Reply

Singhasan gupta August 23, 2015 at 1:03 AM

Hello sir mai Singhasan Gupta mera ac c b I me hai yah suraksha vima kaise karane hai

Reply

Shiv Kukreja August 31, 2015 at 4:54 PM

Singhasanji, bank ja ke PMSBY ka form fill keejiye, aapka bima ho jaayega.

Reply

Rohit August 29, 2015 at 11:01 AM

Can I change the nominee in PMSBY ?

Reply

Shiv Kukreja August 31, 2015 at 4:54 PM

Yes Rohit, you can do so.

Reply

manoj kumar poddar August 30, 2015 at 2:03 PM

good yojana

Reply

Manoj September 4, 2015 at 11:58 AM

Dear sir what is the process to take the claim for 2 lac because my father was expire last mont (august) threw accident. Please tell me what are the document you need.

Reply

Shiv Kukreja September 13, 2015 at 11:40 PM

Hi Manoj,
Please check this link, it has all the details you require – http://www.onemint.com/2015/05/27/pmjjby-pmsby-claim-settlement-process/

Reply

Pankaj Marathe September 7, 2015 at 1:00 PM

I have sent messages as specified for PMSBY & PMJJBY today at about 12:30pm.When shall confirmation be recd? & is there any documentation proof to prove that I have participated in these schemes declared by our H’ble PM.

Reply

Shiv Kukreja September 13, 2015 at 11:44 PM

Hi Pankaj,
It depends on your bank how soon they send you the confirmation through mail and/or SMS. Debit entry in your passbook is the proof of your subscription to this scheme.

Reply

umesh September 9, 2015 at 4:08 PM

sir,i applied for both pmsby and pmjjby from the cosmos co op bank ,but when i check online certificate of pmsby my date of birth is showing different…now what to do
and also how can i check pmjjby certificate online

Reply

Shiv Kukreja September 13, 2015 at 11:47 PM

Hi Umesh,
Banks/Insurance companies do not issue any certificate against any of these policies. Also, you need to contact your bank to get your DoB corrected in their records.

Reply

Avishek September 14, 2015 at 2:47 PM

how would i receive the policy details and certificate once i enroll it wit the bank where i have my saving bank account

Reply

Shiv Kukreja September 22, 2015 at 12:09 AM

Hi Avishek,
You’ll not get any certificate as these are group policies and none of the subscribers is getting any certificate.

Reply

sidheswar sahu September 22, 2015 at 10:39 AM

Pmsby pmjjby ye dono yojna abhi uplabdh hai

Reply

Shiv Kukreja October 3, 2015 at 12:01 PM

Hi Mr. Sahu,
PMJJBY & PMSBY both these schemes were available till 30th September only.

Reply

shivaraja.k October 5, 2015 at 5:15 PM

sir
our father passed away due to the accident but we realize after some few days that why we are not raise complaint.my father death through accident he gone to the COMA stage and he died 19/09/2015 sir I am very poor condition please suggest me what can I do.
sir one thing 3 party admit the hospital he was told to doctor this person is in drink alcohol but our father truly not taken but in discharge summary mention alcohol sir please advise me.

Reply

Shiv Kukreja January 21, 2016 at 11:16 PM

Hi Shivraja,
You should pursue your case with the insurance company and if required, approach the insurance ombudsman.

Reply

Ashok Makwana October 5, 2015 at 8:41 PM

Dear sir, How I can download my both policy which are introduced by pradhan mantri? Please give site of sbi bank & DENA bank.
Thanks for reply in advance……

Reply

Shiv Kukreja January 21, 2016 at 11:18 PM

Hi Ashok,
You need to contact SBI and Dena Bank for this as I do not have their links to download policy documents.

Reply

Annie November 10, 2015 at 8:16 AM

Hi Sir,
My dad expired on 16th Oct 2015. He had a fall from the bike and he went into coma and did not gain conscious till his last breath. His legs and hands were paralyzed. Doctors say it could be stroke as he had a blood clot in his head. He was in ICU for almost 20 days and he passed away. He had taken the Rs.12/- insurance from AXIS Bank.
Request you to please help us how to claim for the same. Please mail me the details.
Thanks you in advance.
Annie

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Shiv Kukreja January 21, 2016 at 11:14 PM

Hi Annie,
Sorry to know about your father! May his soul rest in peace!
Please check this post, it has all the details about claim settlement process – http://www.onemint.com/2015/05/27/pmjjby-pmsby-claim-settlement-process/

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shanmughan November 20, 2015 at 7:18 PM

PMSBY 12rs insurance policy joining invalid. nationalised bank officers and clerical staff’s told about of the bank customers disclose the insurance central government

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srinivasamurthy c November 24, 2015 at 7:57 PM

Hi will get any bond for (PMSBY) 12/- & (PMJJBY) 330/-

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Shiv Kukreja January 21, 2016 at 10:53 PM

Hi Srinivasamurthy,
You will not get any physical policy document. For e-document, you should contact the insurance company or your bank.

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Ldbarola December 9, 2015 at 4:57 PM

I have missed the chance to enrol for pmjjby and pmsby so can i apply for next year

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Shiv Kukreja January 21, 2016 at 10:51 PM

Yes Ldbarola, you can apply for it next year.

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Vijay December 15, 2015 at 5:12 PM

Does PMSBY covered Death from heart Attack?

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Shiv Kukreja January 21, 2016 at 10:50 PM

No Vijay, heart attack is not an accident, so PMSBY doesn’t cover it.

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Shamsher December 24, 2015 at 8:09 AM

pl tell me a army person is eligible to take these yojna

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Shamsher December 24, 2015 at 8:10 AM

army is eligible?

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Shiv Kukreja January 21, 2016 at 10:47 PM

Yes Shamsher, Army people are eligible for this scheme.

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kalpendu January 21, 2016 at 10:01 PM

I check my policy details
I fill on line form for pbyogna
But I show my birth day is wrong mentioned In it.
Now my questions is how to correct it in policy details.

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Shiv Kukreja January 21, 2016 at 10:46 PM

Hi Kalpendu,
You should contact your bank and the insurance company for this.

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Konika January 22, 2016 at 5:34 PM

Sir,My Father has applied for this insurance but Now he died because of an Heart attack or heart fail at home .Can We Get the Money Of this insurance.plzzzZz help me sir we are at very poor condition.

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Shiv Kukreja January 23, 2016 at 5:23 PM

Hi Konika,
Death due to heart attack is not covered under PMSBY. If your father had paid premium for PMJJBY, then you can make a claim.

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Shamsher January 23, 2016 at 5:22 PM

can a army man eligible for this

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Shiv Kukreja January 23, 2016 at 5:24 PM

Yes Shamsher, army people are eligible for this scheme.

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ravikumar January 28, 2016 at 4:17 PM

How many paid claim of insured by the governmet in which 1 lakh at the. Dath

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manpreet February 10, 2016 at 6:55 PM

sir
we had applied for this policy on 1st june 2015 for my brother.unfortunately he expired in a fatal car accident on 5th june and now when we asked for claim nobody is responding from insurance company letter side (oriential insurance)so plz tell me what we should do for claim. Moreover bank clerk sent too many letters to company but they seems careless about letters and nvr respond to a single letter

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Rithu February 16, 2016 at 3:02 PM

Sir,
My father had taken PMSBY policy in the month of June & in October he met with an accident and his one leg is broken. Can we claim for the policy???

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sreejith March 30, 2016 at 1:56 PM

I want to discontinue PMSBY and I also want to continue my existing SB A/c?

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omkar tondare April 16, 2016 at 5:26 PM

pmsby claim amount not deposited in my sbh bank account after completing the procedure of claim …. national ins. mumbai branch says your village bank branch name is not available in our system … 3 months has gone … no reply …. please give the solution … my policy no. 550100421510000014. bank a/c no. 62199384124 bank ref. no ; SBHSB20409201518700837279 MOB no. 7249487575

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SHREENIVASA April 29, 2016 at 10:10 AM

My friend’s mother slipped and broken her one leg at home, is it covers above schemes, shall she claim,

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santosh April 29, 2016 at 8:29 PM

Sir please send Pmjjby Death claim
Process.

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pijusmandal May 7, 2016 at 2:34 PM

Any idea how to get HDFC bank linked PMJJBY & PMSBY Policy certificate online.?Pls help if anyone knows how to get it.In HDFC Life Insurance page no information about how to get policy certificate online.

For ICICI Bank a/c holders can get their online policy certificates from the below links-
https://www.icicilombard.com/il-health-care/COI/COICertificate#

http://www.iciciprulife.com/certificateOfInsurance/certificateInsuranceCOIPMJJBY.jsp

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Tamvada Narasimha Rao May 11, 2016 at 9:55 AM

sir,
My policy No is PMSBY 1212421317. Ireceived sms that i have to pay premium of Rs 12 beor 31 May 2016. I had been to my bank, State Bank OF India to pay but they expressed their inability to accept as the scheme server is disabled and they are helpless.My be software is corrupted or so.
what should I do.
I do not have the policy document (even e policy). How to get the policy document.
Please help
regards
T Narasimha Rao
cell -91 94499 23936

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Anitha May 13, 2016 at 10:43 AM

Hi, My father who had passed away couple of months back due to brain disorder had taken a PMSBY Policy.
Is the claim valid only for Accidental death or of any kind?

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Deepak Kumar Tiwari May 20, 2016 at 5:18 PM

Can I open now pmsby 12rs
Because in my last pmsby 12rs nominee name was incorrect so I have cancel this now I again to join this please help me.
Thanks

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Jayraj nadar May 29, 2016 at 12:34 PM

I want to cancel the policy

what is the procedure

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Dipak Kumar Chakrabarty June 7, 2016 at 6:29 PM

My PMSBY policy was done from State Bank of India Kamalgazi more Branch(code 18125) last year. This year on 29.5.2016 again Rs. 12/- has been debited from my account towards renewal without my consent. No policy number or any thing regarding the policy was advised to me last year. For this year also I am in dark about the where about of the policy.
Please let me know where from I can get the policy details.

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Dinesh June 17, 2016 at 6:22 PM

Very

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Ripsudan gopal August 19, 2016 at 12:27 PM

pl send my certificate in my mail id

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Ripsudan gopal August 19, 2016 at 12:28 PM

mobil no — 9956137577

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Dipika August 28, 2016 at 3:17 PM

this is the most useful and admirable post which really helped me to solve my problem.
I have found so many useful link on your post page .
Where ever I look I found an useful post. I am really thankful to the Admin of this page.
I hope you will continue writing good quality post as you are writing now a days.
Best of luck.

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KAILASH Vishnoi September 8, 2016 at 11:32 AM

Hello sir, I want to enrolled the police . When police come back

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Dr.Jasmine September 30, 2016 at 12:01 PM

Hi….What is the procedure to claim the insurance by the nominee if the applicant passed away in an accident….Can you please share the document details to be submitted….
Thanks in advance….

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Umesh katare November 17, 2016 at 8:46 AM

Respected Sir,Maine policiy Holdar hu.but maine he policiy Rajasthan Barmer District Me Nikali.SBI BRANCH ME To Sir Joe problem to Nehi Na,Mai Belong karte hu Maharashtra se. She ple advice kijiye. or Online Premium send karneka tarika bataeye.

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frvv May 9, 2017 at 6:00 PM

Thats the best thing Narendra modi done so far!!

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SUBODH KUMAR June 18, 2017 at 7:54 PM

Can one person apply prime minister bima yojna from two or three bank

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Tejendra Reddy June 30, 2017 at 6:45 PM

Hi Sir,

I have enrolled for PMJJBY today 30th Jun’17 but accidentally I selected pay now option twice and amount got deducted Twice. What is the process of de-registering the scheme to get a refund. I was informed that the scheme enrolments are closed on 31st May’17. How can I de-register and get a refund.

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Vikram July 6, 2017 at 4:38 PM

Hi..
This is to complain you that my father G Dasari Veerabhadraiah had passed away in an accident on November 21st 2016. My father had done this insurance in Co-operative bank of chittoor district Andhra Pradesh.I have applied for the insurance claim on 23rd December 2016 in the co-operative bank of palamaner branch 517408.still today the insurance claim had not been claimed.Every time I approach the Bank manager he is passing his days complaining on the insurance company.. What is the minimum notice period for claim. Is this how you treat the middle class family every day walking for the branches..Am really very fed up with this process.I Hope atleast you will reply to me and make it claim as soon as possible

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