Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)

Pradhan Mantri Jeevan Jyoti Bima Yojana – The central government of India has launched a new insurance coverage scheme, Pradhan Mantri Jeevan Jyoti Bima Yojana, for the growth of the poor and low-income section of culture. As pure term insurance coverage, it is available for folks between the age group of 18- 50 years.

PMJJBY(Pradhan Mantri Jeevan Jyoti Bima Yojana) के लिए apply कैसे करे?

Pradhan Mantri Jeevan Jyoti Bima Yojana को 9 मई 2015 को launch किया गया था| आपको इस आर्टिकल में प्रधानमंत्री जीवन ज्योति बीमा योजना के लिए कैसे apply करे? apply करने के लिए Documents Required और Eligibility के बारे में जाने| अगर आपको insurance की अमाउंट मिलने में दिक्कत आ रही है तो आप Claim भी कर सकते है जिसकी प्रोसेस यहाँ निचे दी गयी है की प्रधानमंत्री जीवन ज्योति बीमा योजना के लिए कैसे Claim करे? 

PMJJBY is a renewal term insurance policy that provides yearly life insurance coverage of Rs. 2, 00, 000 in case of the demise of the insured person, at a most affordable premium rate of Rs. 330 per year. In order to help you know more about the policy, we now have reviewed some of the key features and benefits proposed by the policy.

Pradhan Mantri Jeevan Jyoti Bima Yojana Short Details

प्रधान मंत्री जीवन ज्योति बीमा योजना (पीएमजेजेबीवाई) के लाभ:

इस योजना के तहत, 2 लाख  रुपए की राशि किसी भी कारण से बीमित व्यक्ति की मृत्यु होने की स्थिति में इस योजना के सदस्य द्वारा नामित व्यक्ति को देय है। इस योजना के लिए मृत्यु की स्थिति में मिलने वाले हितलाभ को प्राप्त करने के लिए किसी भी प्रकार का कोई अन्य शर्त नहीं है यदि इस बीमा से जुड़े सभी देय प्रीमियम एवं सेवा कर इत्यादि का पहले से ही पूरा भुगतान कर दिया गया है। हालांकि, यहां यह ध्यान दिया जाना चाहिए कि इस योजना में न तो कोई परिपक्वता लाभ देय है और न ही इस बीमा की पॉलिसी का समर्पण करने से कोई लाभ देय नहीं है क्यों कि यह एक टर्म जीवन बीमा योजना है.

Salient Features of Pradhan Mantri Jeevan Jyoti Bima Yojana

प्रधान मंत्री जिवन ज्योति बिमा योजना Feature

• The policy provides life coverage for 12 months.
• The covered by insurance can renew the plan every year.
• According to one’s own choice, the insured can take off of the scheme without notice and rejoin it at a later date.
• The plan offers a maximum amount assured of Rs2 lakh.
• The state settlement process made available from the policy is very simple and subscriber friendly.

What is Pradhan Mantri Jeevan Jyoti Bima Yojana In Hindi?

Pradhan Mantri Jeevan Jyoti Bima Yojana को हमारे प्रधान मंत्री श्री नरेन्द्र मोदी ने 9 मई 2015 में प्रक्षेपित किया गया था| यह जीवन बीमा पालिसी है जो की हमारे देश के गरीब और मध्यम वर्ग के लोगो के लिए प्रक्षेपित किया गया था|

जो भी PMJJBY scheme के तहत जीवन बिमा पालिसी करवाते है उनके परिवार वालो को उनके मृत्यु के बाद बिमा पालिसी के तहत २ लाख रुपये मिलेंगे| और इतना ही नही इस योजना के तहत आवेदक को सिर्फ 330 रुपये प्रीमियम प्रति सालाना भरना होगा| इस योजना के लिए कोई भी अपना जीवन बिमा करवा सकता है.

Pradhan Mantri Jeevan Jyoti Bima Yojana Application Form (आवेदन पत्र):

प्रधानमंत्री जीवन ज्योति बीमा योजना के लिए कैसे apply करे?

• Aspirants should have to visit here mentioned link or PMJJBY official site
• To application form/ forms section
• Now click on application form
• Application form will be available in various language like as Hindi, English, Bangla, Guajarati, Kanada, Marathi, Odia, Tamil, Telugu etc
• Download application form PDF
• Fill application form
• Deposit with you bank

Benefits Presented by Pradhan Mantri Jeevan Jyoti Bima Yojana

• Death Benefit- In the event of the demise of the insured person the PMJJBY gives death coverage of Rs2, 00, 500 to the beneficiary of the policy.
• Maturity Benefit- As this is real term insurance plan, PMJJBY would not offer any maturity or surrender benefit.
• Tax Benefit- The premium paid on the policy is qualified for tax deduction under section 80C of Cash flow Tax Act. In the event that the insurance holder fails to submit form 15 G/15 H then any life insurance proceeds exceeding Rs. 1, 00, 000 will be taxable by 2%.
• Risk Coverage- PMJJBY provides risk coverage for 1 year. Nevertheless, because renewable policy it can be renewed yearly. In addition, the policyholder can also opt for a for a longer time duration more than a year by auto charge option linked to your saving bank account.
• Repayment Mode: The payment of premium will be straight auto-debited by the financial institution from the subscriber’s
• Risk Coverage: Rs 2 Lakh in case of loss of life for virtually any reason
• Terms of Risk Coverage: A person must opt for the scheme every year. They can also prefer to give a long-term option of continuing, in which case his account will be auto-debited yearly by the bank.
• Scheme: The scheme will be proposed by Life Insurance Corporation and all other life providers who are prepared to join the scheme and tie-up with banks for this specific purpose.
• Government Contribution: Various other Ministries can co-contribute premium for various categories of their beneficiaries away from their budget or out of Public Wellbeing Fund created in this budget out of unclaimed money. This will be decided separately during the year. In this common Publicity, Spending will be borne by Government.

Pradhan Mantri Jeevan Jyoti Bima Yojana Details

The period under the policy of PMJJBY is renewable for one year and it has an Assured Amount of Rs. 200,000 (Rs. 2 lakhs). For this, the premium amount is Rs 330, in which service tax is fixed in the current year, it will also be added separately and administrative fees of 41 rupees banks will be done.

With all these benefits and features made available from the insurance plan, this is certainly one of the better plans to acquire for the low-income area of the culture.

So, above is step by step guide to Government Scheme Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), प्रधानमंत्री जीवन ज्योति बीमा योजना details information find out here.