The central government has recently launched two special insurance schemes – PMJJBY (Pradhan Mantri Jeevan Jyoti Bima Yojana) & PMSBY (Pradhan Mantri Suraksha Bima Yojana). It has been estimated that around 10 crore people have already subscribed to these Social Security Schemes.
PMJJBY is a Life Insurance coverage plan (like a Term plan). This plan covers both natural and accidental death risks. The maximum sum assured offered under this Govt Scheme is Rs 2 Lakh. The premium is Rs. 330 per year, or less than one rupee per day, for the age group 18-50.
PMSBY is a Personal Accident Insurance Scheme. Under this scheme, if the insured dies due to an accident, the nominee of the insured will get Rs 2 Lakh as death benefit. If there is any total disability due to accident, the insured will get Rs 2 Lakh, and for partial disability, the risk cover is limited to Rs 1 Lakh.
In this post let us understand – How to claim insurance benefits under Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)? How to claim insurance benefits under Pradhan Mantri Suraksha Bima Yojana (PMSBY)? What are the required documents to claim insurance under PMJJBY & PMSBY?
PMJJBY – Insurance Claim settlement Procedure
Under PMJJBY insurance scheme, the Death claim benefit of Rs. 2,00,000/- will be settled by the concerned Insurance Company. Below is the claim settlement process under PMJJBY ;
Steps to be taken by the Nominee:
- The nominee has to approach the Bank wherein the Member (Life insured / Policyholder) was having the ‘Savings Bank Account’ through which he / she was covered under PMJJBY, along with the death certificate of the member.
- Nominee has to collect Claim Form and Discharge receipt, from the Bank or any other designated source like insurance company branches, hospitals, insurance agents etc.,
- Nominee has to submit duly completed Claim Form, Discharge Receipt, death certificate along with photocopy of the cancelled cheque of the nominee’s bank account (if available) OR the bank account details to the Bank wherein the Member was having the ‘Savings Bank Account’ through which he / she was covered under PMJJBY. (In case the Nominee is a minor, the Guardian / Appointee may fill claim form and discharge receipt)
(Download…PM Jeevan Jyoti Bima Yojana Claim form & discharge receipt)
Upon receipt of death intimation, the Bank will check whether the cover for the said member was in-force on the date of his death. If the policy is in active status, Bank will verify the Claim Form & the nominee details from the records available with them. Bank will then submit – the completed claim form, death certificate, discharge receipt and cancelled cheque to the designated office of the concerned Insurance Company.
Maximum time limit for Bank to forward duly completed claim form to Insurance Company is thirty days from the submission of the claim to it.
Insurance company will then verify if the Claim form is complete in all respects and all the relevant documents have been attached. If the claim is admissible, the designated office of the insurer shall check whether the member’s coverage is in force and no death claim settlement has been effected for the Member through any other account. In case any claim has been settled, then the Nominee shall be intimated accordingly with a copy marked to the Bank.
In case the coverage was in force and no claim has been settled for the said member, payment shall be released to the Nominee’s bank account and a communication shall be sent to the nominee with copy marked to the Bank.
Maximum time limit for Insurance Company to approve claim and disburse money is thirty days from the receipt of the claim from the Bank.
In case where the claim form is directly submitted to any office of the insurer by the claimant, then the insurer’s office would forward the same to the concerned bank of the deceased account holder immediately to get necessary verification etc. done from the bank concerned. The concerned Bank Branch will forward the Claim Form to the designated office of the Insurance Company for processing the claim.
PMSBY – Insurance Claim Settlement Procedure
The insurance benefits under PMSBY are as below;
The above insurance benefits will be settled by the concerned Insurance Company. Below is the claim settlement process ;
1) Immediately after the occurrence of an accident which may give rise to a claim under the policy, the insured or the nominee (in case of death of the insured) shall contact the bank branch where the insured person held the underlying Bank Account from which the premium for the policy was auto debited and submit a duly completed claim form.
2) The claim form may be obtained from the above bank branch or any other designated source like insurance company branches, hospitals, insurance agents etc., including from designated websites.
(Download.. PM Suraksha Bima Yojana Scheme Claim form)
3) The Claim form shall be completed by the insured or, as the case may be, by the nominee and submitted to the above bank branch preferably within 30 days of the occurrence of the accident giving rise to the claim under the policy.
4) The Claim form shall be supported, in case of death of the insured, by the Original FIR/ Panchnama, Post Mortem Report and Death Certificate and in case of permanent disablement, by Original FIR/ Panchnama and a Disability Certificate issued by a Civil Surgeon. A discharge certificate in the enclosed format shall also be submitted by the claimant / nominee.
5) The authorized official of the Bank shall check the account / auto-debit particulars and verify the account details, nomination, debiting of premium / remittance to insurer and certify the correctness of the information given in the claim form, and forward the case to the insurance company concerned within 30 days of the submission of the claim.
6) Insurer will verify and confirm that premium has been remitted for the insured and the insured is included in the list of insured persons in the master policy.
7) Claim shall be processed by the insurance Company which has issued the master policy for the Bank within 30 days of its receipt from the Bank.
8) The admissible Claim amount will be remitted to the Bank Account of the insured or the nominee, as the case may be.
9) In case of death of an insured who has not named his/ her nominee the admissible claim amount shall be paid to the legal heirs of the insured on production of Succession Certificate/ Legal Heir certificate from the Competent Court/ authority.
10) Maximum time limit for Bank to forward duly completed claim form to Insurance Company is thirty days and maximum time limit for Insurance Company to approve claim and disburse money thereafter is thirty days.
If you have taken these insurance schemes or helped someone in enrolling for these schemes, inform your nominee (or explain to them) about the procedure to claim insurance benefits under PMJJBY & PMSBY.
( Enrollment for both the schemes is still open. For more information on these insurance schemes or call National Toll Free no : 1800 180 1111 / 1800 110 001 )
Download…PM Jeevan Jyoti Bima Yojana Claim form & discharge receipt
Download.. PM Suraksha Bima Yojana Scheme Claim form in English, Gujarati, Hindi, Marathi, Odia, Punjabi, Tamil or Telugu.
(Source : jansuraksha.gov.in)
My husband was insured for PMBY he passed away last month my question is nominee should have the savings account in the same branch to claim the insured amount.
सर मेरे पिताजी की मृत्यु 11-02-2021 को हो गई है जिन उनका प्रधानमंत्री जीवन ज्योति बीमा योजना था उसमें उनके पिताजी नॉमिनी थे जिनकी मृत्यु पहले हो चुकी है अब आगे क्या करें सर प्लीज बताओ
The legal heir(s) of your father can claim the insurance amount. Kindly contact the concerned banker/insurer.
Related article : Nominee Vs Legal Heir : Who will inherit (or) own your Assets? | Importance of WILL
सर मेरे पिताजी की मृत्यु 11 02 2021 को हो गई है उनका बीमा प्रधानमंत्री जीवन ज्योति योजना बीमा था जिसमें उनके पिताजी नॉमिनी है जिनकी मृत्यु पहले ही हो चुकी है तो अब आगे प्रोसेस बताएं सर क्या करें
My father passed away due to accident last year.
I submitted both the pmsby and pmjjy form to bank within time. Can we apply for both at same time…i got money of only one yojna and ie.pmjjy.
Didn’t get money of pmsby as his age was 52.
When i call toll free no. Of pmsby then they told me that u can apply for one only…is it tru?
PMJJBY is a Life Insurance coverage plan (like a Term plan). This plan covers both natural and accidental death risks.
PMSBY is a Personal Accident Insurance Scheme. Under this scheme, if the insured dies due to an accident, the nominee of the insured will get Rs 2 Lakh as death benefit.
So, claim is payable under PMSBY as well. You may kindly follow it up with the concerned banker/insurer.
Sir mere father ki daith ho gayi or wo pmjjby karbaye the . Mai claim karne bank pahucha to bank manager bataya ki mujhe jankari nhi .
Mai kya karu.
My father Died 29 august 2020 at the age of 54. he had taken at the age of 49 pmjjy schemes from 30.10.2015 the first premium deducted that date amounts of 330. after that there no any premium deducted from age of 50 years.
Can I eligible to get amounts of 2lakhs ?
Please reply sir
The policy might have got lapsed.
You may kindly check with the concerned bank/insurer on this..
My Husband Died July 8TH 2020, with only 1 rupee I got from somebody’s account within 15 days. after that no information from the insured person’s side, and she does not lift my phone. 6 months are completed but 2lakhs not received from the insurance company. please send a solution or give me some guidance on how to get it to claim.pls pls pls
Did you check with the banker & insurance company?
Kindly follow up with them..
Sir mane mare papa ka calim from jama karva diya hai lakin uska proses kase pata ki proses mai hai ya nai 26 ho ge hai sir acident death hai sir
Dear Hem singh,
Did you check with the concerned Bank/Insurer on this?
On dated 17 October 2019 my wife committed suicide and I received death certificate on 31 December 2019. Same day I raised claim with HDFC Bank and till 07 Jan 2021 bank not give any answer. So please tell suicide is covered in these Pmjby and pmsby and if covered please tell me procedure where I can file my complaints.
I bought this policy in 2014 or 2015 whenever this scheme launched by prime minister. I bought all 3 schemes at that time.
The claim can be made under PMJJBY.
Kindly follow it up with the bank/insurer..
Sir is suicide is covered under PMJJBY
Actually bank not responding to my query and even not provide any form to fill only takes my some documents photo copy and says we are sending all documents to our Mumbai office after receiving any answer we can reply to you
Sir please help me.i claim my mother pmjjby policy to bank on dated 20.11.2020 but bank manager not send yet this document .I can’t understand what I am doing.
My Mom and Dad has Expired in the Year 2019 .
One Year ago Both of them and they had joint Account and Enrolled in both pmjjby and pmsby amount was deducted for both of them .
Earlier we have taken form from SBI Bank .
Death Certificate is also available .
we have not claimed earlier because we left our native and later due to Covid it was not Possible .
And Nominee was my Mom and Dad only each other .
can we claim know the insurance amount Know
Please guide how to check for claim status? Its more than 45 days of submitting the claim. No update so far. Its was via Allahabad Bank.
Dear Mr Sinha,
Did you check with the banker/Insurer on this??
Sir my mother died on 18/05/2020. And I got the death certificate on 22/08/2020.
Today I submitted the claim forms. Sir they asked me either my mother use atmosphere or not .sir there any rules of using atmosphere for getting the claim
May I know what do you mean by ‘atmosphere’??
My father has passed way in oct 2019 and we recently come to know that my father has taken pmjjby policy from syndicate bank. My query is How to procced now to claim the policy. Its allmost 8months till now.
Sorry to know about your loss of your father.
The insurer may not accept the claim.
But, you may try submitting the claim with your banker or the insurer directly.
Yes u can claim
Sir,agr 3 month late ho jaye claim krne sae too claim kr sakte hai…???
Ideally, the nominee has to submit the claim form to the banker/insurer within 30 days from the date of occurring of accident.
Still, you may submit the claim form to them and inquire on this!
My brother expired on 10.09.2020
But I came to know he got Policy under PMBSY today ( 04.11.2020) can I still submit the Form
Yes u can submit and u will get claim
This query is for my relative who had enrolled for the policy and has demised On 08012.2019. They had submitted the form to the BOI bank,Bank had debited Only Premium For 2017, however bank has not debited the premium amount after that and I am not getting proper response from the bank officials about the policy no so that I can claim the amount for my relatives family.
We had Already submitted The Form to the bank For Auto bebit & We Had proper Balance In Our Account Also.
Bank information : Bank Of India,New sama Road Branch,baroda
I would appreciate if someone can help me in this situation.
Kindly send a formal email/letter to the bank on this.
If they do not reply, suggest you to approach the bank’s Ombudsman on this.
Hi Sir, I lost my brother in accident. He had taken both PMJBY and PMSBY. But in nominee he had written my mother name and she was also died 10 months ago. Plz guide me
Sorry to know about your loss of your brother & mother..
Have you/your mother submitted the claim form to the bank/Insurer?
Sir,, my father died, due to heart attack on 16 Dec 2020,, under pmsby scheme 12rs,, today I went to Andhra bank,, so they r saying… Heart attack is not covered under this scheme.. Can u tell the fact,, is heart attack is not covered under this scheme
Kindly note that only ‘death due to accident’ is covered under PMSBY.
Please guide us where to approach, if the death claim was rejected by the insurance company under PMSBY scheme.
Did they mention/inform the reason for rejection?
Did you contact the Insurer?
मेरा भाई का दुर्घटना दिनांक 21 मार्च 2019 को रांची के मैन रोड में बाइक एक्ससीडेंट में उनकी डैथ हो गयी थी और उनका 330&12 का क्लेम नहीं मिल रहा है। फॉर्म जमा किये हुवे 6 manth हो चुका है और उनकी वाईफ को अभी तक को लाभ नहीं मिला है हमलोग क्या करें।
Sorry to know about your loss of your brother..
Did you check with your banker/Insurer?
PMSBY KA CLAIM DEATH K 3 SAAL BAAD BHI HO SKTA H SIR AGAR PLOICY DEATH K TIME ACTIVE THI
The Insurer may reject the claim..
However, kindly check with bank/insurer once.
Pmsby ke discharge voucher form me witness jo maanga h vo koi bhi ho skta h please reply
Bank Branch did not know the process of pmsby claim process. Hospital take lot of time for post mortem report. Death occurred at the 3 day remaining period of insurance covered then auto debited the premium amount from customer. so , we claim to the bank , Bank do not know which policy is the correct claiming policy no. due to auto premium has already been debited. so, kindly advise me the matter of 3 days remaining or new policy
Kindly note that you can claim based on the policy which is active on the day of demise of the person.
You may contact the Insurer directly as well.
my husband pmjjy claim till not revived amount . I lossed my husband 01.05.19 then i am also clim for pmjjy for syndicate bank. kindly do need full
My husvband have pmsby and Pmjjby policy in syndicate bank. he expire on may 1st due to hart atack. We have apply for claim in syndicate
bank with all necessary documents death certificate, PM report, nominee account details etc but till date we have not received payments. we have contacted the bank they told we have already send all your documents to respective insurance company. at present what can we do please advice me.
Sorry to know the loss of your husband!
Suggest you to kindly contact the concerned Insurer directly.
NANU BANKGE HOGI ALLI AVARANNU KELIDARE AVARU NANAGE SARIYADA UTTARA NEDUTTILLA ALLADE AVARIGE GOTTILLA YELLA MAHITI NANAGE ONDU TILISIRI CLIM AGALU YESTU DINA TEGEDUKOLLUTTADE
The claim can be approved in 30 days.
Suggest you to kindly contact the Insurer as well.
Do u hav enrolment regarding policy
Send an copy of policy number to insurance company through bank
My brotherinlaw have pmsby and Pmjjby policy in HDFC bank. he expire on june 2018 due to electric shock. We have apply for claim in HDFC bank with all necessary documents death certificate, PM report, nominee account details etc but till date we have not received payments. we have contacted the bank they told we have already send all your documents to respective insurance company. at present what can we do please advice me.
Suggest you to kindly contact the concerned Insurer directly as well..
Sir g mere papa ki road accident m death ho gyi h aur unke pmsby aur pmjjby dono hn but bank Vale bol rhe hn k ac close ho gya h jiski vjh se 2018 m pese Kat nhi paye but ac m 2000 rs bhi hn to sir g kucch ho skta h ky
Kindly check if the premiums for 2018 have been deducted or not? (by looking into the bank statement).
Sir, My Brother-in-Law is died on Aug-2018 all the documents are submitted at UCO Bank Hubli in the specified time, till today I am not received the claim (Nagraj P.Sadani died person)
Banker is already submitted all the documents within 30days
You may kindly contact the concerned Insurance company via your bank..
My mother in law she died in 5 months, all claim form’s also submit in (Andhra pragathi Grameena) bank how many days had deposit in nomini account. Pls clarify the doubt Sir.
Kindly get the confirmation from your Bank as to whether they have submitted your claim form to the Insurer or not??
Once you submit the claim form ;
The authorized official of the Bank shall check the account / auto-debit particulars and verify the account details, nomination, debiting of premium / remittance to insurer and certify the correctness of the information given in the claim form, and forward the case to the insurance company concerned within 30 days of the submission of the claim.
Insurer will verify and confirm that premium has been remitted for the insured and the insured is included in the list of insured persons in the master policy.
Claim shall be processed by the insurance Company which has issued the master policy for the Bank within 30 days of its receipt from the Bank.
Sir My Neighbour has died in a road accident, Have submitted PMJJBY&PMSBY both the forms along with all desired document to Union Bank 45days back, still following to the Branch, but no further updation received, How to know the Insurance Company who had insured, and how & whine to approach
You may advise them to escalate the issue with the higher officials at Bank and can also follow this up with the concerned Insurer as well.
Sir mera papa ka road accident ho gya tha stray cow ne hit kr diya tha unko. Multiple brain haemorrhage ho gya tha unko. 3 may 2017 se 16 may 2017 tak wo ek hospital me rhe phir unko discharge kr diya gya ye such kr ki an condition stable hai. Unko Kisi or hospital mai Phir 25 may 2017 ko again admit krwana pada waha unki 1 June 2017 ko death ho gai. Hume kuch nhi samajh aarha tha kya kre. Jab Maine pmsby ka claim file kiya to unka answer aaya ki post martom report chahiye. Wo hai nhi bcoz hume pta hi nhi tha. To ab claim lene ke liye kya kr skta hu mai ???
Plz help me
Sorry to hear about the loss of your father.
As this is an accident, the Insurer may ask for the Post mortem report.
Thnks sir for reply
Sir 1 month baad death hui thi. Or hume pta bhi nhi tha ki esa kuch bhi krna padta hai.
Lekin death hospital me hui thi or hospital ne hi municipal corporation ko btaya tha death ke baare me. To kya is behalf pe nhi milega claim ???
Are you claiming both PMJJBY and PMSBY??
If so, I believe you can get the claim settled under PMJBY.
Sir sirf PMSBY ki policy hai.
United india wale nhi maan rhe is baat ko.
To kya court ki help leni padegi ???
post martam report ki jagah ap death certificate dijiye agar bank bale na mane to unnse likhit bhasa me claim process documents ki list mangiye or us bank wale ke name sahit signature lijiye or court me cash kariye.
Advisor of Sabka Bhala Karo.
Does suicid death is cover under PMJJBY ?
Dear Dipak ..I dont think it is covered.
In the month september 2017 Mr.Lalit Podh was expired and his wife named as Basanti Podh claimed for the insurance amount but nothing happen yet. So, how can a nominee know the status of the claim. Kindly reply.
Dear Basanti ..Suggest you to contact the Insurer.
I had made My father as nominee of my own policy ..But unfortunately my father is expired. .Now if near future something happens to me ..Who can claim the benefit?
You can nominate someone else to your insurance policy. Kindly get your nomination details updated. Contact your insurer.
Sir Mera pita ji ka natural death suddenly ho Gaya Mera pitaji ka saving bank ACCOUNT syndicate bank ma hai usma. Nominee nahi hai par Mera pitaji ka 330 Aur 12 RS don’t AMT cuthora that Mai na branch ma jakar pmjjby ko apply karna ka liya keha to uno na nomination nahi hai karka baat taal diy ussa Mera time waste hogaya maina apply karna ka liya keha toh ussne eak bar employee leave pay hai karkar baat talk diya phr Doo din baad manager leave pa hai karkar talk diya
Asal ma pmjjby kitno dino ka andar apply karsatka Jara reply Karla
Aur bank walo ku yeska bara ma pata nahi hai
Sirf yearly 330 Aur 12 Deduct karna pata hai
Thoda bank employees ko ya policies ka bara ma Dyan dey
Garib Admi ku BHT prblms hora Sahi information nahi rehana ka khatir
Ye msg ki zaroor reply da
Sorry to know about the loss of your Father.
Even if nominee details are not available, you can claim the insurance amount. If your banker does not co-operate with you, kindly escalate the issue. You may also contact the Insurer directly as well.
my mom is died on 15.04.2018 by road accident. she has joined both insurance scheme 330, 12. when we get claim amount.
Sorry to hear the loss of your mother!
Did you submit the claim form(s) to respective Insurers?
Mymother name bharathi.we living for jonnalagadda village in ap.my mother was death accedently.she was died 17-11-2017. I was submitted pmjjby scheme claim form 24-11-2017. Till 6month don’t receive the money.why could tell my mother accident death claim policy status. Claim code number:21717009999
My mother aadhar card number:5205443384**.
Sorry to know about the loss of your mother.
Kindly contact the concerned Insurer.
Dear sir mere bhai ki deth AC gais ke silendar fatne se ho gyi h ath pradhan mantry surksha beema yojna ki polisi kra rhkhi thi lekin uska claime karne ka time 30 din se jyada ho rha h kripya hame bataye ki 45 days ke anndar claim karsakte h ki nhi
Sorry to know about the loss of your brother!
Suggest you to try submitting the claim to the insurer at the earliest and find out if they accept the claim or not.
After my father’s death in an road accident owing to having late the Postmortem Report in proper time I cannot claim the PMSBY within 30 day….and I was also unaware about time limit. Now the Bank is declining me to having the claim.Now I cannot understand what should I do…Please help me regarding my problem.
Sorry to hear the loss of your father!
Suggest you to directly contact the concerned Insurance company and check if you can submit the claim form now!
I APPLIED FOR BOTH CLAIMS OF PMJJBY & PMJSY. CLAIM OF PMJJY RECEIVED ON 9TH MAY 2017 BUT ACCIDENTAL CLAIM OF PMJSY NOT RECEIVED TILL NOW. WHAT CAN I DO SIR ? …
Dear YASHWANT ..Kindly check with your banker or insurer about the claim status.
SIR mere Papa ki death 28 nov 2016 ko natural death hue unhone both policies le rakhi thi kya dono ka claim milega ya ek ka.maine sirf jjby ka hi claim submit kiya but Mummy ka account jan dhan khata hone ki wajah se shayad nhi aaya. abhi maine bank se unka account normal kara liya hai but Manager ab meri sunte hi nhi kya hume ab claim ka paisa nhi mil payega. Kya fir se apply karna padega. Aur kya dono claim mil sakta hai kya.
Dear Abhishek ..If it’s a natural death then you can claim only on PMJJBY policy.
I APPLIED PMJJBY 5’MARCH’2017, STELL NOT SETTLED, I SUBMITED DOCUMENTS INDIAN OVERSEAS BANK, LAKDIKAPOOL,
I am Suguna w/ o S.Suresh. Unfortunately my husband was died on august 31si 2016 met with an Train Accident.. After his death long time i don’t able to remember any circumstance around me. After 3 months i found that my husband joined PMSBY scheme and approach concern andhra bank where the scheme run on the husband’s account. Then the concern bank send all the documents to head office of Insurance company. But till now No Response from Insurance Company. Of course this money will help my kids education. Next step Wher will i go & ask my Husband’s Insurance Claim sir.
Dear SUGUNA Ji,
Kindly follow it up with bank and request for the status update. In case, they do not provide any information, you may kindly contact the Insurance company directly.
National toll free numbers: 1800 110 001 / 1800 180 1111 .
That Insurance Company said that we did not submit the records before 30 days. So Claiming is not possible they said sir. But on that time i was not able to understand what going on my surrounding sir.. It is the reason to late submit my husband’s queries to Bank sir. Now what can i do sir.. I have two kids and i want my husbands claim money for my kids education sir. Please give a suggestion to claiming PMSBY Insurance amount sir..
Dear SUGUNA ji,
May be your banker is correct and I can also understand your situation. May be, kindly try contacting insurance company directly.
Also, if you notice that in the CLIAM FORM, it is mentioned that the claim form has to be submitted PREFERABLY within 30 days…… but no where it is mentioned that it has to be submitted within 30 days mandatorily.
So, if possible, you may kindly inform about this point to your banker.
MY UNCLE TOOK BOTH POLICIES OF PMJSY(12rs.) & PMJJBY(330rs.)..
HE DIED IN TRAIN ACCIDENT.
ALL CLAIM RELATED DOCS ARE COMPLETED. CAN WE ELIGIBLE FOR BOTH CLAIMS FOR BOTH POLICIES OR NOT…..
Dear YASHWANT ..Yes, can claim on both policies..
My mother death on 11.06.2016.Claim date 22.06.2017 but not received of claim amount
please send status of claim by email
Dear Brijesh ..Kindly contact your insurer or bank..
I am banker I got a claim case of my customer who died in April 2016 and I have send the claim in Nov 2016 but still now it is not resolved and also I do not know that it is rejected for what reason . whom should I contact to kno the status of claim as I have to satisfy customer . where should I mail so that I can get their rply and I can show that to customer.
Dear loveleen ..You can contact the concerned life insurer..
सर नमसकार मैंने गलती से अपने दोनों एसबीआई अकाउंट मे पीएमजेजेवाई स्कीम ले लिया है जिसका हर साल रुपया 330 दोनों खातो से कट जाता है अपने आप ! जिसमे से मै एक खाता का स्कीम बंद करवाना चाहता हु जिसके लिए मैंने कई बार बैंक के चक्कर काट चुका हु पर कोई सही प्रोसैस नहीं बताता की ये क्लोज़ केसे किया जाता है। कृपया मुझे सही रास्ता बताए जिसमे की मै एक खाता का बंद करवा सकु।
Dear..You can submit cancellation request to your bank.
gud mrng sir iam s.srinivasrao from Hyderabad. sir my brother in law was expired on ( august 2, 2016 )and on July 20 2016 .premium 330 was auto debited from bank our bank is andhra bank .but bankers was telling which Ur claimed that was rejected like that this bankers was telling.. last year perimum was auto debited on ( June 1, 2015 .) plz
I am unable to understand your query. What is the reason for rejection?
sir iam srinivasrao.my brother in law was experied in august 2, 2016. we clamed pmjjy in bank .they r telling which ur clamed pmjjy that was rejected, because. on 2015 u r amount 330 was auto-debited on june 2, 2015. and on june 2, 2016 was not debited because un suffestiont balance this 330 amout was auto-debited on july 20, 2016.thats y clamed was rejected like this answer is giveing . v paid before deadth on na y they rejected plz .
Dear srinivasrao ..As the premium was not paid in time, the policy would have got lapsed. You may check with insurance company also directly.
sir but amount was debited na sir.
Requested sir I m trying to submit my form pm suraksha yojna bt my branch manager was not submitted my form .plz tell what I can do
Dear Pawan ..What is the reason they are saying? Else, you can submit the forms to your insurer directly.
My husband has lost his one leg, in the month july. I was not in a condition to apply for a claim as no body was there to take care of him. now can I claim the policy
Dear Shiney .. I doubt if the insurer will honor the claim as it is more than 6 months…Suggest you to try claiming the insurance (assuming its a PMSBY policy)by visiting your banker/insurer, nothing wrong in trying.
My son dead on 18/07/2016 on road accident,
but i still not submitted the documents to the bank
shall i get the claim now for pmjjby & pmsby.
Dear Indira Ji,
You may get it, kindly apply at the earliest.
In the above case can he claim both the scheme ?
My Mom met accident 3 months back and lost the movements in her legs and now fully bed ridden.Can we claim this MPSBY ? she enrolled in thia last year.
Dear LAL..Yes, she can claim for the disability.
Read: What is the total Risk Coverage offered under PMSBY?
I have applied all documents with photo. but its returned back saying the name in proof and claim forms is not matching. She as her name with Husband Initial in all claim forms and his full name in proofs(aadhar card). Is this can be reason for them to send back ? and they need seal on her photo for disability certificate from doctors.Its been 2 months now .Tired of following with the bank as the persons are not responding too.
My wife was died in a road accident in the month of April 2016 who was enrolled in the PMSBY Scheme. I have approached the ICICI branch where she has her account for the claim immediately within a month. As per their request I have submitted all the relevant supportive documents to them and they also assured we will help you in getting the same. But it has been 5months I didn’t get any settlement in spite of my regular follow ups. Kindly advice what can I do
Dear Sathishkumar..Sorry to hear about this.
Kindly note that the maximum time limit for Bank to forward duly completed claim form to Insurance Company is thirty days and maximum time limit for Insurance Company to approve claim and disburse money thereafter is thirty days.
Kindly contact the National Toll-Free – 1800-180-1111 / 1800-110-001 .
You may also contact the insurance company directly.
I have contacted the toll free number , They redirected me to ask with concerned branch. After I again contacted the bank. They have give me the claim form after that i filled and submitted to them. But It has been two months they are not giving proper feedback on the settlement. Please could you give me the insurance company contact
Dear Sathish..Who is the insurer?
Kindly contact the insurance company directly.
Same thing happining with me.
My brother was dead this year 17/7/2016 now i can apply for PMJJY i was visited bank also they told you can apply any time there is no time limit
but in the term and condition insurance office they given time limit.
please give me the suggestion for this.
Dear Anupama ..May I know what is the time limit specified by the insurance co?
Suggest you to submit the claim forms immediately.
Sir, My college dead in road accident, last year he insured under PMSBY policy.
let me know,now we can claim the insurance amount. please suggest us. Because
Her wife & below 5 years 2 Kids, they are depending to him only. there is no sources
to his family. Humbly requesting you sir please held their family.
Dear kalpana ..IF the accident has happened one year back then it might be very tough to get the claim amount now. Suggest you to kindly visit the concerned bank or insurer and check this out.
My father died at age 58 , he had pmjjby cover on his savings account in oriental bank of commerce .
Bank has now denied the claim on the grounds that my father was above 55yrs .
Some facts :
# He was already 56 when this scheme was sold to him .(so why did bank accept the premium in the first place)
#He did not issued an ATM card on his account , whcih I think is not mandatory in pmjjby as is pmsby .
Kindly clarify as I think the bank is trying to fool our family .
This life insurance plan is available to people (all citizens) in the age group of 18 to 50 years only. So, I am not sure how the bank/insurer has issued the policy.
Kindly check the age that is mentioned in the policy certificate.
My father dead 6 months before
but i still not submitted the documents to the bank
shall i get the claim now.
Dear Mano ..May I know the cause of death. Kindly contact your banker and submit the claim form .
Can you assist where can we get PMJJBY registered policy documents. As you’re aware bank is deducting amount every year but they’re unable to clarify the same!!
Dear Gopichand ..Your banker has to help you in getting the policy certificate from your insurance provider.
Dear sir mai deepak Allahabad up she hu sir mere uncle and anti dono ki durghatana me mrityu ho gai hai mere uncle me pmjsy yojana me SBI.bank me incurrence karate the nominee anti thi lekin daadi Maa hai kya unko bime ki raasi me liye claim form bhar sakti hai 60 din se jyada ho gaya hai kya karoo sir.
Dear Deepak..But still try to submit the claim form and the required documents. She may get the claim amount.
I enroll through my Pradhan Mantri Jeevan Jyoti Yojana and Pradhan Mantri Suraksha Bima Yojana Perineum Amt has DR but I not received any receipt. Bank told contact from Bank I working Abroad I cant go bank what i do Please suggest
Bank Name is ICICI Bank
I have one doubt as u said heart attack didn’t cover in PMSBY but as per one of supreme court justification for a case filed by victim against National insurance.. court said heart attack is a unexpected death like an accident hence it will cover for insurance polices.
for example: If a bus driver is driving a bus which is carrying 50 people suddenly he got chest pain once he felt that he stopped bus a side and dead on steering only. So does it not cover in policy???
Death due to heart attack is not covered under PMSBY.
Ex : If his death is due to heart-attack, his nominee can not claim under PMSBY.
A person died due to disease is covered under which scheme sir i have applied for ” PMJJBY ” its been more than 2 months but there is no response from the verification authority or the bank , how much time it takes to claim the insured amount AFTER DEATH , is there any time limit to apply for the insurance after death
It is covered under PMJJBY. Kindly check with your banker/insurance company.
The case he mentioned about National insurance is, the person fallen from steps due to sudden heart attack.
how will we get policy number… to process for claim…
I & my wife have PMSBY & PMJJBY plan in UNITED BANK OF INDIA. But the bank don’t give us no documents or policy no. I have talk with the ph.no.-1800110001 given by you. She told me that my bank account no. is the policy no. but how one bank account no. can two policy no. My bank asccount no. is the joint account no. with my wife. Plase tell me how we can take policy no.
Dear Sir, My father got expires on 03/04/2016 due to septic shock, is it possible to claim under pmsby, because he got only pmsby. pls suggest me.
Dear Manish..May I know what is septic shock?
I believe that claim has to be filed within 30 days after the occurrence of an accident. However, suggest you to try filing the claim through your banker/life insurance company.
what is the policy number of pmjby ?
Can anyone claim.for pmsby after 30 days of accident. My freind died in a train accident in nov 15. Can we claim fir pmsby now or not.kindly guide us in the matter.
Kindly note that the nominee has to submit the claim form within 30 days of an accident.
i have not taken any policy tii date but knw i want to take PMJJBY & PMSBY BANK PEOPLE IS TELLING THAT THIS POLICY IS NO MORE NOW IS IT TRUE IF NOT THEN PLZ SUGGEST ME WHERE TO TAKE THIS POLICY
Dear DATTA..Kindly check with other bankers.
I have enrolled both plans PMSBY,PMJJBY last year and got message from auto debit amount for this current year.
Still i do not get any policy document & policy number.
Please suggest how can i get the policy document & policy number. Please do the needful.
Thanks in advance
Dear SAURAV..Kindly contact your banker or the concerned life insurance company.
My Brother had accident 4 Months Back. He was applied for both Policies. When I contacted Branch manager said you can claim only one policy so I applied for one (PMJJBY) and I got the claim. But after contacting some peoples they said I can Claim second policy as well (PMSBY).
So sir now it got late, Can I still apply and get claim,
Sir Kindly reply as I need to apply it ASAP
Thanks In advance.
Yes you could have claimed under PMSBY too.
Suggest you to try submitting the claim forms and wait for the response from the insurance company.
Thanks Sir for Your reply.
But SBI manager says that date for claim is passed as it is valid for only 2 month from the incidence
Kindly suggest, Thanks!.
dear sir my brother expired on 25th july 2015 , i hav claim pmjjby on 20th nov 2015, after how many days i get the insurance amount. We submit all documents in his branch but his not giving properly. So many days ago submitting documents. They are saying ..We sent your documents to hyd main branch. And they are saying not claim this type of polices..
Ideally you should have received the claim (if all documents are in place) by now.
Suggest you to contact @ National Toll-Free – 1800-180-1111 / 1800-110-001
I have enrolled both plans PMSBY,PMJJBY last year and got message from auto debit amount for this current year.
Still i do not get any policy document and policy number.
Please suggest how can i get the policy document also my bank said there is no information for policy document available.
Please do the needful.
Yes.I also had the same problem. Pls reply Sir
Dear Indu..Kindly contact National Toll-Free – 1800-180-1111 / 1800-110-001.
Dear sir, I am trying to claim both insurance pmjjby and pmsby for my brother. he died in an accident. but bank saying that you can claim under only one policy. Is it correct, i can claim only one of that? I will be thankful if you suggest/provide any government rules web link or document.
Dear saurabh..Sorry to know this. You can claim on both policies.
Sir, can u provide any government circular for claim both the policy for accident case.
PMJJBY is a Life Insurance coverage plan (like a Term plan). This plan covers both natural and accidental death risks.
PMSBY is a Personal Accident Insurance Scheme.
So, if eligible, can claim both..
how does one opt out of these two schemes. i am not interested in paying premiums for these two schemes anymore
Dear anuj ..You can inform your banker to stop/deactivate the auto debit facility.
I have claimed for pmsby on behalf of my father..but I still don’t get my claim money.it has been 7-8 months.There is no-one to listen you in a insurance office.can you give me a appropriate number with whom I can talk.
Kindly contact : National Toll-Free – 1800-180-1111 / 1800-110-001
Hello Sreekanth, Is heart attack included under PMSBY policy? If yes, we don’t have Original FIR, Post Mortem Report since the person had declared dead after reaching hospital without further treatment, therefore, we didn’t possess any supported documents. The person only have PMSBY policy because of age constraint.
Dear Reema.. Kindly note that PMSBY is a Personal Accident Insurance Scheme. Under this scheme, if the insured dies due to an accident, the nominee of the insured will get Rs 2 Lakh as death benefit.
‘Death due to heart attack’ is not covered under PMSBY.
Dear sir, my brother died in an accident on 4/3/2016 . He had taken both PMJJBY and PMSBY . so i visited bank for its claim but bank officers told me that i can claim only one scheme either PMJJBY or PMSBY. At the time of filling insurance form, in nominee section my brother nominated his 3 years old kid then he cancelled his name and nominated his wife. now bank officers are rejecting this proposal because he had not signed that on that correction. so please tell me sir now what to do? can i claim both schemes?
Yes you can claim under both the schemes.
In case if they are not accepting the new nomination, let them consider old one only and process the claim forms.
Legal heirs (wife/kid) have the right to get the claim amount.
MY FRIEND COMMITTED SUICIDE AND SHE HAS AVAILED PMJJBY AND SBY, AND NOMINATED HER MOTHER, WILL HER MOM GET THAT 2LACS? KINDLY REPLY
Dear Priya..Her mother can claim under PMJJBY, as death due to suicide is also covered under PMJJBY.
Can you please let me know “what if it is in the case of suicide for PMSBY & PMJJBY” ?
My brother did suicide before 30 day.
Thanks in advance.
Under PMSBY only accidental deaths are covered. I believe that you can claim under PMJJBY scheme.
Mere Bhai ki death 18.11.15 ko ho gai and mene apne bhai ke sare documents bank ko de diye but abhi tak koi respons nahi mila. Bank me koi sahi jawab nahi dete. We are poor family. Plz Help me
Dear Brajesh..I can only suggest you to kindly follow it up with your banker or contact the insurance company directly.
click here to know the state-wise toll free number and provide your feedback and get help.
श्रीमान महोदय सुरक्षा बीमा योजना एवं जीवन ज्योति योजना का सर्टिफिकेट कैसे प्राप्त किया जा सकता हैं ा
Dear Mohan..If you have applied through a bank, you can request your banker to provide the certificate for you.
How to know who is the nominee if the insurer under pmjjby dies…. ???
I HAV ALREADY TOLD ABT , MY MOM EXPIRED 09.11.2015 , I HAV CLAIM FOR PMJJBY ON DATED 20.11.2015, ITS ALREADY 45DAYS COMPLETED STILL THE AMOUNT OF POLICY HAS NOT PROCEED, HOW CAN I TRACK THE POLICY AMOUNT PROCEED OR NOT. PLEASE SIR HELP ME
Dear WASEEM..The claim has to be settled in 30 days, suggest you to kindly follow it up with your banker or insurance company.
whats timing of claim in accidenatal death case…IT IS IMPOSSIBLE OR NT IMPOSSIBLE GETTING CLAIM OF BIMA.
if death due to suicide then will his/her family get benefit or not under PMJJY?
My father passed away on 08-09-2015 and he was under PMJJBY.We claimed on 24-09-2015 but still now we didn’t get any information from the respective bank.Sir you have mentioned that it takes only 30 days,but for us almost 70 days passed away and when we met a bank manager he informed us that they didn’t get any information from their authorities……………………….CAN YOU HELP US………………………………….. SIR please reply us what to do and whom to meet?
Thanking you sir,
Dear Vijayabharathi..As per the rules the claim has to be honored in 30 days. Find out from your bank about the insurance company name. You may try calling toll free no for more details on your claim : National Toll Free no : 1800 180 1111 / 1800 110 001
dear sir my mom expired on 9th nov 2015 , i hav claim pmjjby on 20th nov 2015, after how many days i get the insurance amount.
Dear WASEEM..generally the claim has to be settled in 30 days.
DEAR SREEKANTH SIR, THANKS FOR THE INFORMATION.
1 more information i want to know, after my 50yrs in which insurance company i can open a policy, in LIC is der in scheme
Dear Waseem..If you are an earning member of your family and have dependents, you have to buy a term plan now. Though these schemes are good, but they do not provide enough coverage.
Kindly read :
Importance of Insurance.
Best Term plans.
dear srikanth ji,
the last date of pmjjby new enrollement is over on 30.11.2015 , can we enroll again on next year , when we can enrol pls reply
Dear waseem..I guess you can enrol after may 2016.
Sir meri Mata ji Ki death 23-7-2015 ko Ho gyi Maine bank ko sabhi documents 07-8-2015 ko jma kar diye. Or bank ne mail dwara sabhi documents lic office ko bhej diye par abhi tak koi response nhi mil pa rha hai.kya baat hai Hume es policy ka claim milega ya nhi.
Yeh PNB bank Bahjoi (Sambhal)up ka claim hai.
Please hamari help kijiye.
Kindly follow it up with your banker. Claim should have been processed by the insurance Company which had issued the master policy for the Bank within 30 days of its receipt from the Bank.
In case if no nominee is registered how to claim pmjjby
Dear..declaring nominee is mandatory i believe..
How can i know the status of that policy…….
I have already taken a policy through LIC and now I have subscribed in PMJBY in SBI. If I shall die due to sudden accident. Both claims would be admissible to nominee ?
Dear Munesh..Did you take two PMJJBY policies ?
Sir only once we have to pay or every year till death
Sir only once we have to pay or every year
I received a massege from bank side and then we reply the massege .
and then my account has credited 330 Rs but we have not received policy no till now and not received any massege.
So please how can apply for policy no
Dear sohanveer..kindly contact your banker.
if we enroll for both the policies and in unfortunate accident results to death. will nominee be able to claim from both jeevan bima as well as suraksha bima?
Yes dear Bipin..
What is nominee’s share? out of 100% how much we have to mention for nominee’s share?
Dear Shravan…If you have do not mention anything, by default it is assumed as 100%, to the mentioned nominee.
Sir I have received application for claim in PMSY kindly advice me where to send the application in Ahmedabad Centre.
You may submit the claim form at the bank branch where the Savings account has been maintained.
I got a message from New India assurance mentioning certificate number. How to track the details?
Dear Rajasekhar..As of now I do not have details on this..you may call Toll free no..
do we have any ling from where to download the policy bond.
Dear Rajeev..As of now, I am not aware of any such link..
if a person has opened both the above insurance plans and if he is dead not because of suicide or self attempt, which benefit will be given to the nominee of that deceased person? Both the schemes maturity amount or single scheme’s? plz explain
If it is natural death, claim of Rs 2Lakh will be paid under PMJJBY.
If it is death due to accident, claim of Rs 2L + Rs 2L (Rs 4L) will be paid to the nominee.
what if it is in the case of suicide for PMSBY & PMJJBY ?
Are you sure that if a person has opened both the above insurance plans(PMSBY,PMJJBY), and If it is death due to accident, claim of Rs 2L(PMSBY) + Rs 2L(PMJJBY) (Rs 4L) will be paid to the nominee ?
Yes dear Siva.
Dear sir , my friends opened both insurance PMJJY and pmsjy.
His death from accideny. We submit all documents in his branch but his not giving proper rly….. they are saying ..we sent your documents to our head office… xyz…..
Plzzz tell me what to any other option ..
How to get claim no in PMSBY policy. My father died on 3rd June 2016 in a road accident. So please help me from where I will get claim no. PMSBY connected with united bank of INdia.
Dear Pujashree ..Kindly contact your banker at the earliest.
Banker said that they have no information regarding that it will confirm by national insurance and thing is that both said it is matter of bank and insurance com said it is matter of bank what can I do sir
Dear Pujashree..Kindly contact the national toll free number @ 1800-180-1111 / 1800-110-001