Kya aap jaante hain ki sirf 1.20 rupaye per din ke cost se aap apne family ko 2 lakh rupaye ki financial security provide kar sakte hain? Pradhan Mantri Jeevan Jyoti Bima Yojana ne life insurance ko aam aadmi ki reach mein la diya hai.
Yeh yojana Bharat Government ki ek ambitious initiative hai, jo social security ko strong karne ki direction mein ek revolutionary step hai. Isne insurance sector mein ek naya chapter likha hai, jahan low income group ke log bhi apne family ke future ko secure kar sakte hain.
Yojana ka Objective
Pradhan Mantri Jeevan Jyoti Bima Yojana ka main objective families ko financial security provide karna hai. Yeh yojana specially accidental death ki situation mein family ko financial help provide karti hai. Accident ya kisi aur reason se death hone par family ko financial crisis se bachana is insurance yojana ka main goal hai.
Life insurance security ko affordable banane ki direction mein yeh ek important step hai. Yeh yojana family ke head kiuntimely death ki situation mein unke dependents ko financial support provide karti hai. Isse family members ko financial crisis se deal karne mein help milti hai aur wo apni daily requirements ki fulfillment kar sakte hain.
Social security schemes mein yeh ek important link hai, jo logon ko life insurance ki security provide karti hai. Is yojana ke through government ne common citizens ko low cost par insurance security available karai hai.
Eligibility Criteria
Pradhan Mantri Jeevan Jyoti Bima Yojana mein join karne ke liye kuch fixed criteria hain. Sabse pehle, applicant ko Indian citizen hona necessary hai. Yojana mein join karne ke liye age limit 18 se 50 years ke beech fixed ki gayi hai. Is age group ke sabhi persons is insurance yojana ka benefit le sakte hain.
Yojana mein join karne ke liye applicant ke pass savings bank account hona necessary hai. Yeh account kisi bhi commercial bank ya regional rural bank mein ho sakta hai. Important baat yeh hai ki ek person sirf ek hi savings account ke through is yojana ka benefit le sakta hai.
Agar kisi person ke multiple bank accounts hain, tab bhi wo sirf ek account se hi insurance yojana mein join ho sakta hai. Yeh provision scheme ke misuse ko rokne ke liye kiya gaya hai.
Benefits
Pradhan Mantri Jeevan Jyoti Bima Yojana mein insured person ki death hone par family ko 2 lakh rupaye ka insurance cover milta hai. Yeh amount death ke reason par depend nahi karti hai aur kisi bhi type ki death par beneficiary ko provide ki jaati hai.
Yeh ek annual life insurance scheme hai, jiski cover period ek year ki hoti hai. Insurance security ko continue rakhne ke liye har year iska renewal kiya ja sakta hai. Renewal ki process simple hai aur har year automatically ki ja sakti hai.
Insurance cover ki amount fixed hai aur yeh policy period ke during unchangeable rehti hai. Yeh yojana low premium mein high insurance security provide karti hai, jo ise middle aur low income group ke liye specially beneficial banati hai. Yojana ke under milne wala insurance cover family ke liye ek important financial support ka source banta hai.
Application Process
Pradhan Mantri Jeevan Jyoti Bima Yojana mein join karne ke liye application process fully offline hai. Sabse pehle, applicant ko Jan Suraksha ki official website se application form download karna hoga. Form ko carefully aur correct information ke sath bharna necessary hai.
Bhare hue application form ko apni bank branch mein submit karna hoga. Form submit karte time sabhi necessary documents ki copies sath mein attach karni hongi. Bank mein form submit karte time yeh ensure karna important hai ki account mein premium amount ke liye sufficient funds available hon.
Application accept hone par bank account se premium ki amount automatically cut ho jayegi. Uske baad insurance company dwara policy documents issue kiye jayenge. Bank branch se application ki status ki information obtain ki ja sakti hai.
Premium Payment
Pradhan Mantri Jeevan Jyoti Bima Yojana ka annual premium 436 rupaye fixed kiya gaya hai. Yeh amount insurance cover ke comparison mein bohot kam hai, jo is yojana ko sabhi classes ke liye affordable banati hai. Premium ki yeh amount ek year ki period ke liye insurance security provide karti hai.
Is yojana mein premium ka payment sirf annual basis par kiya jata hai. Quarterly ya monthly installments ka option available nahi hai. Premium ka payment bank account se auto-deduction ke through kiya jata hai. Isliye yeh necessary hai ki account mein sufficient amount available rahe.
Due date par premium ka payment na hone ki situation mein policy cancel ho sakti hai. However, fixed time limit ke andar revival ka option available hai. New financial year mein policy ka renewal karte time phir se annual premium ka payment karna hoga.
Nomination System
Pradhan Mantri Jeevan Jyoti Bima Yojana mein nomination ke liye simple aur convenient system available hai. Policy holders SMS ke through bhi apna nomination kar sakte hain. Yeh option un logon ke liye specially useful hai, jo bank branch tak easily nahi pahunch sakte.
SMS ke through nomination karne ke liye ek fixed format ka follow karna hota hai. Iske liye ‘PMJJBY’ word ke baad apne bank account ke last four digits likhen aur end mein ‘Y’ add karen. Example ke liye, agar kisi ka account number 12345678 hai, to SMS is tarah hoga: ‘PMJJBY 5678 Y’.
Nomination ki confirmation ke baad bank dwara ek acknowledgment SMS bheja jata hai. Yeh facility scheme ko aur bhi accessible banati hai aur Digital India ke goal ko bhi achieve karti hai. SMS nomination facility country bhar mein sabhi major mobile networks par available hai.
Lien Period
Pradhan Mantri Jeevan Jyoti Bima Yojana mein 30 days ki lien period ka provision hai. Is period ke during insurance cover applicable nahi hota hai. Yaani, yojana mein join karne ke first 30 days mein agar insured person ki death hoti hai, to insurance amount ka payment nahi kiya jayega.
Lien period ka yeh provision scheme ke misuse ko rokne ke liye kiya gaya hai. Yeh period insurance company ko risk ka assessment karne ka opportunity provide karti hai. Is during insured person ke health aur other risk factors ka evaluation kiya jata hai.
30 days ki lien period complete hone ke baad insurance cover fully effective ho jata hai. Uske baad kisi bhi reason se death hone par insurance amount ka payment beneficiary ko kiya jata hai. Yeh provision scheme ko transparent aur reliable banata hai.
Conclusion
Pradhan Mantri Jeevan Jyoti Bima Yojana ne India mein life insurance ki reach ko widespread banaya hai. Minimum premium aur simple procedures ke sath, yeh yojana har class ke liye accessible hai. Iski transparent system aur digital nomination process ne ise aur bhi convenient bana diya hai.
Yojana ka importance is baat se samjha ja sakta hai ki yeh families ko financial security provide karne ke sath-sath country mein insurance penetration ko increase karne mein bhi helpful hai. Yeh financial inclusion aur social security ke goal ko achieve karne ki direction mein ek meaningful effort hai.
Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) – Frequently Asked Questions
Q1: PMJJBY kya hai? A: PMJJBY ek government-backed life insurance scheme hai jo sirf 436 rupees per year mein 2 lakh rupees ka life cover provide karti hai.
Q2: Is scheme mein kaun join kar sakta hai? A: 18 se 50 years ki age ke sabhi Indian citizens jo kisi bank mein savings account rakhte hain, wo is scheme mein participate kar sakte hain.
Q3: Premium kitna hai aur kaise pay karna hota hai? A: Annual premium 436 rupees hai (yaani roughly 1.20 rupees per day). Premium auto-debit ke through aapke bank account se directly cut ho jata hai.
Q4: Kya multiple bank accounts se scheme join kar sakte hain? A: Nahi, ek person sirf ek hi bank account ke through scheme join kar sakta hai, chahe uske pass kitne bhi bank accounts hon.
Q5: Death ke case mein kitne paise milte hain? A: Kisi bhi reason se death hone par (natural ya accidental) nominee ko 2 lakh rupees ki amount milti hai.
Q6: Policy renew kaise karte hain? A: Policy automatically renew ho jati hai agar aapke account mein sufficient balance ho. Aapko koi additional steps nahi lene hote.
Q7: Nominee change kaise kar sakte hain? A: Nominee change karne ke liye aapko apni bank branch visit karke ek form fill karna hoga ya phir SMS ke through nomination update kar sakte hain.
Q8: Kya policy ke liye medical checkup ki zarurat hai? A: Nahi, is policy ke liye koi medical checkup ki requirement nahi hai.
Q9: Policy lapse hone par kya karna chahiye? A: Agar policy lapse ho jati hai to aap fixed time period ke andar revival ke liye apply kar sakte hain. Iske liye bank branch visit karein.
Q10: Scheme ke benefits kab se start hote hain? A: Policy start hone ke 30 days baad benefits start hote hain (lien period). Is 30 days ke andar death hone par koi claim nahi milega.
Q11: Claim kaise file karna hota hai? A: Death ke case mein, nominee ko necessary documents ke sath bank branch mein claim form submit karna hota hai.
Q12: Kon se documents claim ke liye chahiye hote hain? A: Death certificate, identity proof, bank passbook copy, aur filled claim form main documents hain.
Q13: Claim settlement ka time kya hai? A: Generally, complete documents submit karne ke 30 days ke andar claim settle ho jata hai.
Q14: Kya policy ka cash surrender value hai? A: Nahi, is policy ka koi cash surrender value ya maturity benefit nahi hai.
Q15: 50 years ke baad kya hota hai? A: 50 years ke baad bhi policy continue rahegi, lekin new entry 50 years ke baad allowed nahi hai.
Q16: SMS se nomination kaise karein? A: ‘PMJJBY <last 4 digits of account number> Y’ format mein SMS karein.
Q17: Ek se zyada nominee rakh sakte hain? A: Haan, multiple nominees rakh sakte hain aur unke beech percentage divide kar sakte hain.
Q18: Premium payment miss hone par kya hoga? A: Premium payment miss hone par policy lapse ho jayegi, lekin revival ka option available hai.
Q19: Kya NRI is scheme mein join kar sakte hain? A: Nahi, sirf Indian residents hi is scheme mein participate kar sakte hain.
Q20: Bank change karne par kya policy continue rahegi? A: Bank change karne par aapko new bank mein fresh enrollment karana hoga aur purani policy cancel karni hogi.