PM Jeevan Jyoti Bima Yojana (PMJJBY) 2025 – Complete Guide

What is PM Jeevan Jyoti Bima Yojana?

Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) is a government-backed life insurance scheme launched on 9th May 2015. It provides a life cover of ₹2 lakh in case of death (due to any reason) at an annual premium of just ₹436 — making it one of the most affordable term life insurance plans in the world.

Unlike PM Suraksha Bima Yojana which covers only accidental death, PMJJBY covers death due to any cause — illness, accident, natural causes, or any other reason during the policy period.

Disclaimer: CitizenNest is an independent informational platform and is not affiliated with the Government of India.

Coverage Details

Coverage period: 1st June to 31st May each year. Premium is auto-debited annually.

Who is Eligible?

• Indian citizens aged 18 to 50 years (coverage continues till age 55)
• Must have a savings bank account with any participating bank
• Must have Aadhaar linked to the bank account
• Must give consent for auto-debit of premium
• One PMJJBY policy per person
• No medical examination required for enrollment

Age Limits

• Enrollment age: 18 to 50 years
• Coverage continues: Till the age of 55 (even if enrolled at 50)
• Auto-termination: At age 55 or on closing the bank account

Documents Required

• Aadhaar card linked to bank account (see our Aadhaar guide)
• Savings bank account with any participating bank
• Consent-cum-declaration form (available at bank)
• Nominee details (name, relationship, Aadhaar)
• Self-declaration of good health

Step-by-Step Enrollment Process

Through Net Banking / Mobile Banking

1. Login to your bank's net banking portal or mobile app
2. Navigate to "Insurance" or "Social Security Schemes"
3. Select "PMJJBY" or "PM Jeevan Jyoti Bima Yojana"
4. Review your details — name, date of birth, Aadhaar
5. Enter/update nominee details
6. Declare good health status
7. Give consent for annual auto-debit of ₹436
8. Confirm enrollment — SMS confirmation received
9. Download the insurance certificate

Through Bank Branch

1. Visit your bank branch
2. Collect the PMJJBY enrollment form
3. Fill the form with personal and nominee details
4. Sign the self-declaration of good health
5. Submit with Aadhaar copy and auto-debit mandate
6. Enrollment processed within 7-10 working days

Through CSC / BC Agent

1. Visit nearest Common Service Centre
2. Provide bank account and Aadhaar details
3. Fill the form, sign the health declaration
4. Pay ₹436 premium

Premium and Fees

Premium is auto-debited between 25th May and 1st June each year. Maintain sufficient balance.

How to File a Claim

1. Nominee must visit the bank branch of the deceased
2. Collect the PMJJBY claim form
3. Submit the following documents:
   • Claim form (duly filled and signed by nominee)
   • Death certificate (original or attested copy)
   • Nominee's Aadhaar card (copy)
   • Nominee's bank account details (for claim credit)
   • Cancelled cheque of nominee's account
4. Bank verifies and forwards to the insurance company
5. Insurance company processes the claim
6. ₹2 lakh credited to nominee's bank account within 30-60 days

Claim Rejection Scenarios

• Death occurred outside the coverage period (June 1 to May 31)
• Premium was not successfully debited
• Subscriber was above 55 years at time of death
• Fraud or misrepresentation in enrollment

Processing Time

• Enrollment: Immediate (net banking) or 7-10 days (branch)
• Claim settlement: 30-60 days after complete document submission
• Auto-renewal: Automatic every June 1st

Important Tips

1. Combine with PMSBY — Enroll in both PMJJBY (₹436) and PMSBY (₹12) for total coverage of ₹4 lakh at just ₹448/year.
2. Maintain bank balance — Keep at least ₹436 in your account before June 1st. Failed auto-debit means lapsed coverage with no grace period.
3. Update nominee regularly — Ensure your nominee details are current. Disputes between family members can delay claim settlement.
4. Self-declaration of good health — While no medical exam is needed, you must declare that you are in good health at the time of enrollment. Fraudulent declarations can lead to claim rejection.
5. Enroll all eligible family members — At ₹436/person/year, ensure your spouse and adult children (18+) are also covered.

Frequently Asked Questions (FAQs)

Q1: What is the premium for PMJJBY?

₹436 per year, auto-debited from your savings bank account. This includes applicable taxes and covers you for one year (June 1 to May 31).

Q2: Does PMJJBY cover accidental death as well?

Yes. PMJJBY covers death due to any cause — natural, accidental, illness, or any other reason. For additional accidental disability cover, also enroll in PMSBY.

Q3: Is there a medical check-up required?

No medical examination is required. You just need to sign a self-declaration of good health at the time of enrollment.

Q4: Can I enroll after the age of 50?

No. The maximum enrollment age is 50 years. However, if you enrolled before 50, coverage continues until age 55.

Q5: What if my premium auto-debit fails?

Your coverage lapses immediately. To re-enroll, you must pay the premium and submit a fresh self-declaration of good health. There is no grace period.

Q6: Can I have PMJJBY from multiple banks?

No. Only one PMJJBY policy per person is allowed, linked to one bank account. Multiple enrollments will be identified and only one will be valid.

Q7: Is the claim amount taxable?

The claim amount of ₹2 lakh received by the nominee is exempt from income tax under Section 10(10D) of the Income Tax Act.

Related Schemes

• PM Suraksha Bima Yojana — Accident insurance cover of ₹2 lakh at ₹12/year
• National Pension Scheme (NPS) — Long-term retirement savings with tax benefits
• Atal Pension Yojana — Guaranteed pension of ₹1,000-5,000/month
• Ayushman Bharat Health Card — Free health insurance up to ₹5 lakh