PMJJBY aur PMSBY — ₹456 Saal Mein ₹4 Lakh Ka Cover, Poori Jaankari
Kavita Sharma · Tax & Yojana Desk · Updated: 19 Aug 2026
Ek movie ticket ka daam — aur poore saal ke liye ₹4 lakh ka insurance cover। Ye koi catch wala offer nahi hai, ye PMJJBY aur PMSBY hai — do sarkari yojana jo saal me sirf ₹456 me itna cover deti hain, par jankari na hone ki wajah se lakho log inse bahar reh jate hain। Agar aapka koi bhi bank account hai, to ye do minute ka form aap abhi bhar sakte hain — chaliye poora hisaab samajhte hain।
Pakka Points
- PMJJBY = life insurance, ₹2 lakh, premium ₹436/saal, age 18-50 me join karein
- PMSBY = accident insurance, ₹2 lakh (₹1 lakh partial disability par), premium ₹20/saal, age 18-70
- Dono milakar ₹456/saal me ₹4 lakh tak ka combined cover
- Sirf bank/post-office savings account aur Aadhaar chahiye — koi medical test nahi
- Auto-debit har saal 1 June ke aas-paas, cover 1 June se 31 May tak valid
PMJJBY kya hai — life insurance jo har karan se maut cover karta hai
Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) ek term life insurance hai — subscriber ki maut chahe bimari se ho, बुढ़ापे se ho ya accident se, nominee ko ₹2 lakh milta hai। Premium sirf ₹436 saalana hai, jo bank account se auto-debit hota hai। Join karne ki age 18 se 50 saal hai, aur cover 55 saal ki age tak continue karta hai (agar premium time par bharte rahein)।
Ek important shart: enrollment ke pehle 30 din ke andar agar maut natural karan se ho, to claim nahi milta — ye clause fraud rokne ke liye hai। Par isi 30 din ke andar agar maut accident se ho, to claim poora milta hai, waiting period lagu nahi hota।
PMSBY kya hai — sasta accident cover
Pradhan Mantri Suraksha Bima Yojana (PMSBY) sirf accident cover karta hai — bimari se maut isme cover nahi hoti। Premium ₹20 saalana hai, jo isse desh ki sabse sasti insurance scheme banata hai। Age limit thodi wider hai — 18 se 70 saal tak koi bhi apply kar sakta hai।
| Accidental death | Full permanent disability | Partial permanent disability | |
|---|---|---|---|
| PMSBY payout | ₹2 lakh | ₹2 lakh | ₹1 lakh |
'Permanent disability' ka matlab hai dono aankhon ki roshni jaana, ya dono haath/pair ka use permanently khatam ho jana — insurer ke defined criteria ke hisaab se.
Dono scheme ka side-by-side comparison
| PMJJBY | PMSBY | |
|---|---|---|
| Type | Life insurance | Accident insurance |
| Cover kis par | Kisi bhi karan se maut | Sirf accident se maut/disability |
| Premium/saal | ₹436 | ₹20 |
| Max cover | ₹2 lakh | ₹2 lakh (₹1 lakh partial) |
| Age | 18-50 (cover 55 tak) | 18-70 |
| Waiting period | 30 din (natural death par) | Nahi |
Dono ek saath lene par total premium ₹456/saal aur combined cover ₹4 lakh tak (₹2L life + ₹2L accident, alag-alag scenarios me)।
Enroll kaise karein — 3 tarike
- Apni bank branch me jaakar — PMJJBY/PMSBY ka consent-cum-declaration form bhariye (bank ya jansuraksha.gov.in se milega), submit kariye।
- Net-banking/mobile app se — zyadatar bade banks (SBI, HDFC, ICICI, PNB waghera) ke app me "Insurance" ya "Jan Suraksha" section me seedha enroll ho sakte hain।
- Post office savings account se — India Post Payments Bank ke through bhi enrollment hota hai, nazdiki post office me poochh sakte hain।
Enroll karte waqt ek baar bank ko auto-debit ki permission deni hoti hai — us din ke baad har saal khud-ba-khud premium katega aur cover renew ho jayega, jab tak account me paisa hai।
Claim kaise file karein
Dono scheme me claim process similar hai — nominee ko subscriber wali bank branch me jaana hai, aur ye documents dene hain:
- Claim form (jansuraksha.gov.in par PDF format me milta hai)
- Death certificate (municipal/panchayat se)
- PMSBY accident claim ke liye extra: FIR/police report, post-mortem report (agar applicable ho), aur disability claim ke liye disability certificate
- Nominee ka ID proof aur bank details (jahan claim amount transfer hoga)
Bank ye documents insurer ko (PMJJBY ke liye zyadatar LIC, PMSBY ke liye jo insurer bank se tie-up hai) forward karta hai। Process me aam taur par kuch hafte lagte hain — koi fixed timeline officially publish nahi hai, isliye follow-up khud bank branch se karte rahein।
Ek galti jo bahut log karte hain
Ek subscriber sirf ek PMJJBY aur ek PMSBY cover rakh sakta hai — chahe uske paas 5 bank account ho। Agar galti se do bank me enroll ho gaye, to dusra premium wapas nahi milta, aur claim ke waqt duplicate hone par reject ho sakta hai। Enroll karne se pehle check kar lein ki kisi doosre account se pehle se enroll to nahi hain।
Kya ye private term insurance ki jagah le sakti hai?
Seedha jawab: nahi। ₹2 lakh ka PMJJBY cover ek starting safety net hai, family ki poori zaroorat (loan, bachon ki padhai, ghar ka kharcha) ke liye kaafi nahi hota। Jinke paas already income hai, unke liye ek proper term insurance (poori jaankari yahan) zaroori hi rehta hai — PMJJBY/PMSBY ko us par ek extra, bahut sasta layer ki tarah dekhiye, replacement ki tarah nahi।
Aksar poochhe jaane wale sawal
PMJJBY aur PMSBY me kya fark hai?
PMJJBY life insurance hai — subscriber ki maut kisi bhi karan se ho (bimari, बुढ़ापा, accident), nominee ko ₹2 lakh milta hai। PMSBY sirf accident insurance hai — accident se maut ya permanent disability par hi paisa milta hai, natural death par kuch nahi। Dono alag-alag scheme hai, dono ek saath le sakte hain — premium mila kar sirf ₹456 saalana।
PMJJBY aur PMSBY ke liye kya documents chahiye?
Sirf ek active bank ya post office savings account, Aadhaar number, aur bank ko auto-debit ki permission (ek chhota consent form)। Koi medical test, koi income proof, koi lengthy paperwork nahi chahiye — yahi is scheme ki sabse badi baat hai।
Agar main dono scheme me enroll hoon aur mera saving account close ho jaye to?
Premium auto-debit account se hota hai — account close ya insufficient balance hone par premium nahi katega, aur cover automatically lapse ho jayega। Cover chalu rakhne ke liye account me balance hona zaroori hai, khaas kar renewal ke mahine (May-June) me।
PMJJBY ka claim kaise file karein?
Nominee ko jis bank branch me subscriber ka account tha, wahan jaana hai — claim form (jansuraksha.gov.in se download ho sakta hai), death certificate, aur nominee ka ID proof dena hai। Bank ye claim insurer (zyadatar LIC) ko forward karta hai — process me aam taur par kuch hafte lagte hain।
Kya main dono scheme multiple banks me le sakta hoon?
Nahi — rule ye hai ki ek subscriber sirf EK PMJJBY aur EK PMSBY cover rakh sakta hai, chahe uske kitne bhi bank account ho। Agar galti se do bank me enroll ho gaye, to dusra premium wapas nahi milta aur duplicate claim reject ho sakta hai — isliye ek hi account se lein।
PMJJBY me 30 din ka waiting period kya hai?
Pehli baar enroll karne ke 30 din ke andar agar subscriber ki maut NATURAL karan se ho (bimari, बुढ़ापा), to claim nahi milta — ye galat-use rokne ke liye hai। Par is 30 din ke andar bhi ACCIDENT se maut ho to claim poora milta hai, waiting period lagu nahi hota। Renewal ke baad ye waiting period phir se lagu nahi hota, sirf pehli enrollment par.
Pakke Sources — हमने कहाँ से verify किया
- Jan Suraksha — official portal (PMJJBY/PMSBY forms aur guidelines) — Premium ₹436 (PMJJBY) aur ₹20 (PMSBY), cover ₹2 lakh dono me
- Department of Financial Services, Ministry of Finance — Scheme guidelines, eligibility aur renewal cycle (1 June – 31 May)
- PIB — PMJJBY/PMSBY coverage updates — Enrollment aur claim statistics
9 saal accounts ka kaam karte-karte Kavita ne dekha ki log tax ke naam se hi ghabra jaate hain. Ab wo har naya rule official circular se padh kar samjhati hain — deadline, documents, eligibility, sab pakka karke.