PMJJBY – How to Apply, Check Status, Download Certificate & Claim Check

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How to Apply, Check Status, Download Certificate and Claim of PMJJBY?

How to Apply, Check Status, Download Certificate and Claim of PMJJBY?
  • 27th Jul 2022 |
  • 13,343

Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) is a type of life insurance scheme that offers death coverage to the policyholder and can be renewed yearly. It is a pure-term insurance policy that covers only mortality with no investment component. Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) is for people aged 18 to 50 with a savings account and giving their consent to join/enable auto-debit and looking forward to learning about how to apply for Pradhan Mantri Jeevan Jyoti Bima Yojana? We cover everything from the application to the claim settlement process for PMJJBY.

How to Apply for Pradhan Mantri Jeevan Jyoti Bima Yojana?

The application period for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) starts from 1st June each year till 31st May of the subsequent year. This is also the time for which you get the coverage. Therefore, subscribers must enrol and give their auto-debit consent by 31st May. Below mentioned are some of the steps you must follow to apply for Pradhan Mantri Jeevan Jyoti Bima Yojana online:

  • Login to NetBanking Click on the ‘Insurance’ tab
  • Choose Social Security Plans Chose Pradhan Mantri Jeevan Jyoti Bima Yojana
  • Decide which account you want to use to pay your premium Under PMJJBY, a premium of ₹436 per annum per member is deducted automatically from the savings bank account, with a facility for auto-debit instructions. One can enrol for PMJJBY by choosing one of the following methods:
  • Visiting your nearest branch
  • Through NetBanking

How to Check PMJJBY Status?

You can ask the bank for information about the PMJJBY status of your plan. The policyholder must pay the premium amount at the scheduled interval. For example, the beneficiaries of a life insurance policy who pass away before age 55 would receive ₹2 lakhs.

How to Download PMJJBY Certificate?

The process of obtaining the PMJJBY scheme certificate differs from one bank. You can get the certificate from the bank where you applied for the scheme. While each bank has a different procedure for PMJJBY policy certificate download, the overall steps are more or less the same. You need to follow the below-mentioned primary steps:

  • To download the certificate, users must have the internet banking service available on their accounts.
  • You need to log in to your bank’s internet portal for consumers.
  • Some websites might ask you to select the product type, while others might expect you to select the service type. From the options available, select PMJJBY Certificate of Insurance.
  • The following steps will include filling out personal and bank details like Name, Date of Birth, Nominee, Aadhar Number, Bank Name, Account Number, etc. As already mentioned, the required details can vary between banks.
  • After filling in all relevant details, click on the check box for the declaration, and hit the “Submit” button when done.
  • Upon successfully registering for the PMJJBY certificate, users will be redirected to the confirmation page from which the certificate can be downloaded.

PMJJBY Claim Status

The PMJJBY can be claimed only after the death of the policyholder. Below mentioned are some of the steps that the nominee can follow for the claim settlement.

Steps to be taken by the nominee

  • Nominees must approach the bank wherein the member has the ‘savings bank account’ and the member’s death certificate.
  • They must collect the claim form and discharge receipt and submit it with a photocopy of the cancelled cheque.

Steps to be taken by the bank

  • Upon receiving the death certificate, the bank must verify whether the cover was in force on the date of his death or not. Apart from this, the bank must verify the claim form & the nominee details from the available records.
  • After verifying, the bank must submit the primary documents like the claim form, death certificate, discharge receipt, and a photocopy of the cancelled cheque of the nominee to the designated office of the concerned insurance company.
  • The maximum time limit available with the bank to forward the completed claim form to the insurance company is 30 days.

Actions the Insurance Company Must Take

  • The insurance company must verify that the Claim form and the documents have been attached.
  • If the claim is admissible, the insurance company must check whether the member’s coverage is in force or not.

If the claim form is directly submitted to any insurer’s office, they will forward the same to the concerned bank and get the necessary verification done.

The Pradhan Mantri Jeevan Jyoti Bima Yojana Scheme’s coverage benefits

  • The PMJJBY plan provides the following primary benefits.
  • According to the Income Tax Act, the premium paid for a PMJJBY policy is tax deductible.
  • You can leave the system temporarily and rejoin later by linking a bank account, paying the premium, and submitting a current health certificate.
  • The policy’s lump amount of ₹2 lakhs is fully tax-free in the case of the insured’s death. Furthermore, the claim procedure is simple.
  • Regardless of your age, the price for the policy is simply ₹436.
  • You do not need to remember to renew the policy each year; the policy premium will be deducted automatically from your account at renewal time.

Features of Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) scheme

  • The PMJJBY policy has the following important aspects.
  • In the case of the insured’s untimely death, a lump sum of ₹2 lakh will be paid to the nominee(s) chosen by the insured at the time of policy purchase.
  • The policy has a one-year coverage period (from 1 June of the current year to 31 May of the next year) and can be renewed annually (up to the age of 55 years).
  • The policy will be linked to your bank account, and the premium will be deducted automatically once a year between May 25th and May 31st.
  • The primary document used for KYC verification will be your Aadhaar card.
  • Even if you have many savings bank accounts, you can only apply for a PMJJBY life insurance policy with one of them.

Now that you know the details about checking PMJJBY status, downloading certificates and applying for the PMJJBY scheme, help someone who needs it the most. Also, consider investing in this plan if you want to secure your family’s security at a less-than-nominal premium.

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Ref. No. KLI/22-23/E-BB/492


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