Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) 2025 - Life Insurance ₹436 mein

Dosto! Aaj baat karte hain Pradhan Mantri Jeevan Jyoti Bima Yojana ki jo aapko sirf ₹436 per year mein 2 lakh ka life insurance deti hai. 2025 mein ye scheme millions of families ko financial security provide kar rahi hai. Agar aap bhi apni family ke future ko secure karna chahte hain, to ye article zaroor padhen!

PMJJBY Benefits aur Coverage 2025

Life Cover Details:

• ₹2 Lakh life insurance
• Death due to any reason covered
• Natural death covered
• Accidental death covered
• Medical conditions covered
• Worldwide coverage

Premium Structure 2025:

• Annual Premium: ₹436
• Daily cost: Sirf ₹1.20
• Auto-debit: 1st June
• GST included
• No medical checkup required

PMJJBY Eligibility 2025

Who Can Apply:

• Age Group: 18 to 50 years
• Coverage Till: 55 years
• Bank Account: Savings account required
• Aadhaar: Linked with bank
• Auto-debit: Mandatory consent
• Health: No medical test

PMJJBY Apply Process 2025

Bank Se Apply Kaise Kare:

1. Bank branch visit karo
2. PMJJBY enrollment form lo
3. Nominee details fill karo
4. Auto-debit consent form sign karo
5. Premium auto-deduct hoga

Online Application:

1. Bank ki website/app open karo
2. Insurance section select karo
3. PMJJBY choose karo
4. Form fill karo online
5. E-consent submit karo

SMS Banking:

• SMS: PMJJBY to 7738062874
• Follow the instructions
• Auto enrollment

Official Portal: https://jansuraksha.gov.in/

Claim Settlement Process 2025

Documents for Death Claim:

1. Death Certificate (Municipal/Panchayat)
2. Claim Form (Bank se)
3. Nominee Identity Proof
4. Bank Account Details
5. Discharge Receipt

Claim Process Steps:

1. Nominee bank branch contact kare
2. Claim form aur documents submit
3. Bank verification (15 days)
4. Insurance company processing (30 days)
5. Amount transfer to nominee account

PMJJBY Statistics 2025

• 15+ crore enrollments
• 6+ lakh claims settled
• ₹12,000+ crore sum assured
• 99% claim settlement ratio

Important Features 2025

1. Risk Coverage: Day 1 se start
2. Nominee Change: Anytime possible
3. Multiple Accounts: Only one policy
4. Rejoin Option: Available after lapse
5. Tax Benefit: 80C not applicable

PMJJBY vs Term Insurance Comparison

FAQs 2025

Q1: Kya NRI eligible hain?

A: Yes, NRI Indian bank account holders eligible hain.

Q2: Policy lapse ho jaye to?

A: Rejoin kar sakte hain good health certificate ke sath.

Q3: Maturity benefit milta hai?

A: Nahi, ye pure term insurance hai.

Q4: Premium increase hoga?

A: Government decision par depend karta hai.

Contact Information

• Helpline: 1800-180-1111
• WhatsApp: 8130708080
• Email: [email protected]
• Website: https://jansuraksha.gov.in/