PMJJBY aur PMSBY Annual Renewal — June 1 Cycle (2026) — Premium aur Steps Guide
| Feature | PMJJBY (Life) | PMSBY (Accident) |
|---|---|---|
| Premium | ₹436/year | ₹20/year |
| Sum assured | ₹2 lakh | ₹2 lakh (death/full disability) |
| Cover type | Any cause of death | Accident death/disability |
| Partial disability | Not covered | ₹1 lakh |
| Age range | 18–55 years | 18–70 years |
| Renewal | Annual (June 1) | Annual (June 1) |
| Channel | Bank auto-debit | Bank auto-debit |
each year
(auto from bank)
for late renewal
PMJJBY aur PMSBY Kya Hain?
Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) aur Pradhan Mantri Suraksha Bima Yojana (PMSBY) — government ki do affordable insurance schemes hain jo 2015 mein launch hui thi. Target tha unorganised workers, small employees, aur low-income families jo proper insurance afford nahi kar sakte.
PMJJBY ek term life insurance hai — kisi bhi wajah se death ho toh ₹2 lakh nominee ko milenge. PMSBY ek accident insurance hai — sirf accident se death ya disability par cover milta hai. Dono alag-alag hain aur dono ek sath lena zaroori nahi — lekin dono recommend kiye jaate hain apni low cost ki wajah se.
Annual Renewal Kaise Hota Hai?
Dono schemes ka policy year June 1 se May 31 hota hai. Renewal automatic hota hai — aapko kuch nahi karna hota agar aapke bank account mein auto-debit mandate already active hai.
Har saal May mein premium auto-debit hota hai bank account se:
- PMJJBY: ₹436 (yeh premium FY 2023-24 mein ₹330 se badh ke ₹436 hua)
- PMSBY: ₹20 (unchanged)
- Total: ₹456/year for both
Agar May mein balance nahi tha — toh policy lapse ho gayi. Agle saal June 1 ke baad re-enroll karna hoga. 30-day grace period hota hai kuch banks deti hain — lekin is period mein cover nahi milta.
Join Kaise Karein — Naya Enrollment
Agar aapne abhi tak enroll nahi kiya hai — toh in tarike se ho sakta hai:
- Net banking: Bank ki website ya app mein Insurance section mein jaao — PMJJBY/PMSBY option milega
- Bank branch: Apne savings account wali branch mein jaao — simple form bharo
- Jan Dhan portal: Kuch banks SMS se bhi enrollment allow karte hain
- UMANG app: PMJJBY enrollment ka option available hai
Claim Kaise Karein?
PMJJBY claim (death) process:
- Nominee bank branch mein jaaye jahan policy thi
- Death certificate, nominee ID, bank account details submit karo
- Claim form fill karo
- Verification ke baad — 30 days mein ₹2 lakh nominee ke account mein
PMSBY claim (accident) process similar hai — plus FIR, hospital records ya post-mortem report (accident death mein), disability certificate (disability mein) add hota hai.
Kya Employees Ko Zaroor Lena Chahiye?
Salaried employees ke paas company ki group term insurance hoti hai — aur ESIC covered hain toh medical coverage bhi. Lekin PMJJBY/PMSBY ka value proposition yeh hai ki:
- Job jaane ke baad company insurance band ho jaati hai — PMJJBY independent hai
- ₹456/year mein ₹4 lakh ki combined cover — kisi bhi private plan se sasta
- Spouse ke liye bhi alag lena hoga — har individual ka separate account se
Insurance Cover Check Karna Hai?
PMJJBY lapsed ho gayi, naya enroll karna hai, ya claim process — Mulazim AI se guidance lo.
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