Pradhan Mantri Jeevan Jyoti Bima Yojana 2025:

Pradhan Mantri Jeevan Jyoti Bima Yojana 2025 (PMJJBY 2025) is a government‑backed, low‑cost life insurance scheme that offers ₹2 lakh life cover at an annual premium of ₹436 per member. Launched on 9 May 2015 by the Hon’ble Prime Minister, PMJJBY aims to provide affordable life insurance to citizens—especially low‑income and unorganized sector workers—via easy auto‑debit from a savings bank account and annual renewal (1 June–31 May).

PMJJBY 2025 Key Features

• Sum Assured: ₹2,00,000 on death (any cause) to the nominee.

• Affordable Premium: ₹436/year; auto‑debited before 31 May from linked account.

• Easy Enrollment: One‑page consent + KYC; available at most banks & via internet banking.

• Renewable Annually: Coverage cycle 1 June–31 May; keep sufficient balance for renewal.

• Pure Term Insurance: No maturity/bonus—keeps the premium low.

• Lien (Waiting) Period: 30 days for non‑accidental deaths from date of enrollment (accidental deaths covered from day one).

• Single Bank Account Rule: Enroll through only one savings account.

• NRI Eligibility: NRIs with eligible Indian bank accounts can enroll; claims paid in INR.

PMJJBY 2025 Premium (Pro‑Rata for Mid‑Year Joining)

PMJJBY 2025 Eligibility

Benefits of Pradhan Mantri Jeevan Jyoti Bima Yojana 2025

• Financial Security: ₹2 lakh life cover supports family in case of breadwinner’s demise.

• Universal Access: Low premium makes life insurance accessible to marginalized households.

• Simple & Cashless: Auto‑debit + no medical tests at fresh enrollments (subject to declaration).

• Nationwide Network: Available via LIC & partnered insurers through most banks.

• Complements PM Suraksha Bima Yojana & APY: Build a holistic safety net with PMSBY (accident cover) and APY (pension).

Claim Process (Nominee Guide)

Important Do’s & Don’ts

• Do keep your mobile/email updated with the bank.

• Do maintain sufficient balance before 31 May to avoid lapse.

• Do update nomination after marriage/childbirth or any family change.

• Don’t enroll from multiple bank accounts—it can void benefits.

• Don’t miss renewal; rejoining may require health declaration.

PMJJBY vs PMSBY (Know the Difference)

How to Apply:

1. Visit your bank (branch) or login to internet banking / contact the Bank Mitra (BC).

2. Fill the PMJJBY consent form and provide Aadhaar/KYC as required.

3. Nomination: Provide nominee details correctly (relationship & contact).

4. Enable auto‑debit: Ensure sufficient balance before 31 May for yearly renewal.

5. Confirmation: Bank/insurer records enrollment; coverage starts per scheme rules.