PM Jeevan Jyoti and Suraksha Bima (PMJJBY, PMSBY)

How to join the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and the Pradhan Mantri Suraksha Bima Yojana (PMSBY) through a bank or post office account, the yearly premium, and how to claim after a death or an accident.

You do this yourselfAt the office

For whom: People aged 18 to 70 with a bank or post office savings account; nominees and heirs of members who have died; members disabled in an accident.

Tell us your situation first; then the documents and steps open.

1Your situation

A few questions. We show only the documents and steps your answers need.

Which of these is the person applying?
What do you want to do?
How old is the person joining?
Which scheme do you want to join?
Which scheme was the person who died in?

Which of these is the person applying?

Indian citizen living in IndiaIndian citizen living abroad (NRI)OCI cardholderForeign national

What do you want to do?

Join a scheme (or join again)A member has died; make a claimA member was disabled in an accident; make a claim (PMSBY)

How old is the person joining?

18 to 5051 to 70Under 18, or over 70

Which scheme do you want to join?

PMJJBY: ₹2 lakh on death from any cause (₹436 a year)PMSBY: death or disability from an accident (₹20 a year)Both

Which scheme was the person who died in?

PMJJBYPMSBY (death in an accident)BothNot sure

Your answers stay on this phone.

Your situation is complete.

Each step below says who it is for. Confirm yours at the office, then change your answer here.

We could not confirm whether this applies to you

The PMJJBY and PMSBY rules let all individual bank or post office account holders join; they say nothing about OCI cardholders. Under the Ministry of Home Affairs notification S.O. 1050(E) of 4 March 2021, an OCI cardholder is a foreign national, not an Indian citizen, and in financial fields the notification does not name has the same rights as a foreigner. Before joining, ask your bank, or call the Jan Suraksha toll-free number 1800-180-1111.

We could not confirm whether this applies to you

The PMJJBY and PMSBY rules let all individual bank or post office account holders join; they say nothing about foreign nationals. Before joining, ask your bank, or call the Jan Suraksha toll-free number 1800-180-1111.

This route does not apply to your situation

PMJJBY takes people aged 18 to 50, and PMSBY people aged 18 to 70 (18 completed; the upper age counted at the nearest birthday). People under 18 or over 70 cannot join either.

→ If you are under 18, you can join once you are 18. Over 70, these two schemes have no route. Free hospital treatment has its own rules for people aged 70 or more; see this guide:

→ Free hospital treatment: Dr. NTR Vaidya Seva and Ayushman Bharat

This route does not apply to your situation

New members can join PMJJBY only up to age 50. Those who joined before 50 and renew every year stay covered until 55.

→ You can join PMSBY (accident cover, ₹20 a year) up to 70: choose "PMSBY" in the previous question.

2Documents you need

Tick the ones you have. They are kept in this browser.

Your savings account passbookoriginal · A savings account in your name (single or joint) at a bank branch or post office in India.If you don't have it: A post office savings account also works.Have itNeed it
Enrolment form (Consent-cum-Declaration Form)original · A separate form for each scheme: one for PMJJBY, one for PMSBY.If you don't have it: Ask at the bank branch or post office. The Jan Suraksha website (jansuraksha.gov.in) also has Telugu forms under "FORMS".Have itNeed it
Proof of identitycopy · One of: Aadhaar card, voter ID (EPIC), MGNREGA job card, driving licence, PAN card, passport. It may not be needed if the bank already has your details.Have itNeed it
PMJJBY claim form (Claim-cum-Discharge Form)original · Also fill in the "Advance receipt for discharge of claim" at the end, signed with a witness.If you don't have it: At the bank branch or post office, or on the Jan Suraksha website under "CLAIM-FORMS" (also in Telugu).Have itNeed it
PMSBY claim form (Claim-cum-Discharge Form)original · Also fill in the "Advance receipt for discharge of claim" at the end, signed with a witness.If you don't have it: At the bank branch or post office, or on the Jan Suraksha website under "CLAIM-FORMS" (also in Telugu).Have itNeed it
Proof of deathcopy · One of: a death certificate from the Registrar of Births and Deaths; a hospital discharge summary or certificate giving the name, father's or husband's name, address, and the date, time and cause of death; a certificate from the last doctor who treated the person, countersigned by a gazetted officer or a bank officer; a certificate from the District Collector, or an Executive Magistrate such as a Tahsildar authorised by the Collector.Have itNeed it
Proof that the death was from an accidentcopy · With the proof of death: the police FIR or panchnama, and the post-mortem report. Or a certificate from the District Collector or an Executive Magistrate (such as a Tahsildar). For accidents such as a snake bite or a fall from a tree, a hospital record giving the name, date, time and cause of death is enough.Have itNeed it
Proof of permanent disabilitycopy · The police FIR or panchnama, with a disability certificate from the Civil Surgeon and the hospital record that supports it.Have itNeed it
Proof of identity of the person claimingcopy · One of: Aadhaar card, voter ID (EPIC), MGNREGA job card, driving licence, PAN card, passport. Giving the Aadhaar and PAN numbers is optional.Have itNeed it
Proof of the account the money should go tocopy · One of: the first two pages of the passbook, an account statement showing the details, or a cancelled cheque. The account must be in the name of the person claiming.Have itNeed it
If there is no nominee: proof of being the legal heircopy · Only if no nominee was named or the nominee died first: a succession certificate or legal heir certificate from a competent court or authority. If the nominee died first, the nominee's proof of death too.Have itNeed it

Nothing to get ready before these steps.

3Your steps

· Do them in order. Tick each one when it is done.

Do this now
You need a savings account at a bank or post office in India.
However many accounts you have, join each scheme through one account only. If you join through two accounts, you are still covered only once, and the extra premium is not returned.
Where
You do this yourself
Sources: 1, 2, 4, 5
I have done this step
Do this now
Indian citizens living abroad (NRIs) can also join if they have an eligible account at a bank branch in India.
Claim money is paid to the nominee only in Indian rupees.
Where
You do this yourself
Not confirmed: The FAQs do not say which kind of NRI account (NRE or NRO) counts as "eligible". Ask your bank.
Sources: 4, 5
I have done this step
Do this now
People over 50 cannot newly join PMJJBY; it takes people only up to 50.
You can join only PMSBY, and the steps below are for PMSBY alone.
Where
You do this yourself
Sources: 1, 2
I have done this step
Do this now
Go to the bank branch or post office where your account is.
Fill in the form, agree to the premium being auto-debited from your account, name a nominee (and a guardian if the nominee is a minor), sign it and hand it in.
Where
Bank branch or post office (where your savings account is)
Sources: 7, 8, 1, 2, 13
I have done this step
Do this now
Or without going to the bank: you may be able to join through your bank's net banking.
Ask your bank whether it offers this.
Where
Your bank's net banking
Not confirmed: Only PIB's 2025 PMSBY backgrounder mentions the net banking route; we found no official list of the banks that offer it.
Sources: 13, 1
I have done this step
Do this now
The PMJJBY premium depends on the month you join: ₹436 in June, July or August; ₹342 in September, October or November; ₹228 in December, January or February; ₹114 in March, April or May.
After that, the full ₹436 every year.
Where
You do this yourself
Fee
₹114 to ₹436, by the month you join; auto-debited from your account.
Sources: 1, 4, 7, 12
I have done this step
Do this now
In the first 30 days after joining (or re-joining) PMJJBY, there is no claim for a death from any cause other than an accident.
Accidental death is covered from the first day.
Where
You do this yourself
Sources: 1, 4, 7, 12
I have done this step
Do this now
The PMSBY premium is ₹20 a year.
Whatever month you join, you pay the full ₹20. Cover starts on the day the money is debited from your account.
Where
You do this yourself
Fee
₹20 · ₹20 a year, auto-debited from your account.
Sources: 2, 5, 8, 12
I have done this step
Do this now
After handing in the form, take the "Acknowledgement Slip cum Certificate of Insurance" and keep it safe.
Tell your nominee that you are in the scheme and through which account.
Where
Bank branch or post office (where your savings account is)
Sources: 7, 8, 1, 2, 13
I have done this step
Do this now
The insurance year runs from 1 June to 31 May.
Each year the premium is debited from your account after 25 May and by 1 June. Keep enough money in the account then; if not, the cover stops. Closing the account also ends the cover.
Where
You do this yourself
Sources: 1, 2, 7, 8
I have done this step
Do this now
If the cover stops, you can join again.
For PMJJBY you pay the premium for that month and the 30-day wait starts again. For PMSBY you pay the full year's premium, and the insurance company decides whether to restore the cover.
Where
You do this yourself
Sources: 1, 4, 2, 5
I have done this step
Do this now
PMJJBY cover ends when you reach 55.
PMSBY cover ends when you reach 70. These covers are in addition to any other insurance you have.
Where
You do this yourself
Sources: 1, 2, 4, 5
I have done this step
Do this now
Go to the bank branch or post office where the person who died had the account.
The bank keeps the enrolment record. Ask there which scheme (or both) the person was in, and who the nominee is.
Where
The bank branch or post office where the person who died had the account
Sources: 1, 2, 9, 10
I have done this step
Do this now
The nominee makes the claim.
If the nominee is a minor, the appointee named in the member's form makes it. If no nominee was named or the nominee died first, the legal heirs claim with a succession or legal heir certificate.
Where
You do this yourself
Sources: 9, 10, 5
I have done this step
Do this now
Fill in the PMJJBY claim form and hand it in with the documents.
₹2 lakh is paid for death from any cause (including suicide, murder or a natural disaster). If the death was within 30 days of joining (or re-joining), also give proof that it was an accident.
Where
The bank branch or post office where the person who died had the account
Time limit
The form asks for it preferably within 30 days of the death.
Sources: 9, 1, 4
I have done this step
Do this now
Fill in the PMSBY claim form and hand it in with proof of accidental death.
₹2 lakh is paid only for death in an accident. Natural disasters and murder are covered; suicide is not. Road and rail accidents, drowning and deaths involving a crime must have been reported to the police.
Where
The bank branch or post office where the person who died had the account
Time limit
The form asks for it preferably within 30 days of the accident.
Sources: 10, 2, 5
I have done this step
Do this now
The bank official fills in "Part 3" of the form (the member's enrolment details), signs it and stamps it, and countersigns the receipt.
Ask for a dated acknowledgement that you handed in the claim.
Where
The bank branch or post office where the person who died had the account
Not confirmed: The rules do not say a dated acknowledgement must be given; it is worth asking.
Sources: 9, 10
I have done this step
Do this now
Once the claim is approved, the money is paid into the nominee's or heir's bank account.
Only one claim is paid under each scheme. If the member is missing and the death is not proved by documents, PMSBY does not pay.
Where
At the bank
Sources: 9, 10, 5, 1
I have done this step
Do this now
PMSBY pays only for permanent disability caused by an accident.
Total loss of both eyes, of the use of both hands or both feet, or of one eye and one hand or foot: ₹2 lakh. Total loss of one eye, or of the use of one hand or foot: ₹1 lakh. Nothing is paid for lesser disability, or for hospital costs.
Where
You do this yourself
Sources: 2, 5, 10, 12
I have done this step
Do this now
Fill in the PMSBY claim form yourself (the insured member) and hand it in, with the proof of disability, at the branch of the account through which you joined.
The bank official fills in and signs "Part 3".
Where
The bank branch or post office of the account through which you joined
Time limit
The form asks for it preferably within 30 days of the accident.
Sources: 10
I have done this step
Do this now
Once the claim is approved, the money is paid into your own (the insured member's) bank account.
Where
At the bank
Sources: 5
I have done this step
Do this now
For NRI nominees and members, claim money is paid only in Indian rupees.
Where
You do this yourself
Sources: 4, 5
I have done this step

All steps done

If something goes wrong

If it is rejected

If the bank or post office will not enrol you or will not take your claim, first ask the branch manager why. Then call the Jan Suraksha toll-free numbers: national 1800-180-1111 or 1800-110-001; for Andhra Pradesh 1800-425-8525 (Union Bank of India, convenor of the State Level Bankers' Committee, SLBC).

18004258525

If it is late

The bank or post office should send your claim papers to the insurer within 7 days of your handing them in, and the insurer should settle the claim within 7 days of receiving them. If a claim is delayed or turned down, complain about the insurance company on IRDAI's "Bima Bharosa" portal, or call toll-free 155255 or 1800 4254 732. The complaint goes to the insurance company first and can be escalated to IRDAI if not resolved. The portal never asks for money; do not trust anyone who does.

155255

Also

If the premium was debited twice, debited without cover, or debited without your consent, first complain to the bank in writing. If the bank does not resolve it, complain online to the RBI Ombudsman, or call 14448.

14448

The 17 official pages and papers this guide is written from

Revised Rules for Pradhan Mantri Jeevan Jyoti Bima Yojana (w.e.f. 1.6.2022), on the Jan Suraksha website
Rules for the Pradhan Mantri Suraksha Bima Yojana (with effect from 1.6.2022), on the Jan Suraksha website
Letter F. No. FI-12011/2/2015-Ins.II, 1 June 2022: revision of premium rates of PMJJBY and PMSBY; revised enrolment and claim forms
FAQs on Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), listed on the Jan Suraksha website as "2022-2023"
FAQs on Pradhan Mantri Suraksha Bima Yojana (PMSBY), listed on the Jan Suraksha website as "2022-2023"
Jan Suraksha website: Forms for PMJJBY and PMSBY (application and claim forms, in English, Telugu and other languages)
PMJJBY Consent-cum-Declaration Form (enrolment form), with the acknowledgement slip cum certificate of insurance
PMSBY Consent-cum-Declaration Form (enrolment form), with the acknowledgement slip cum certificate of insurance
PMJJBY Claim-cum-Discharge Form, with the advance receipt for discharge of claim and "Useful information for claimants"
PMSBY Claim-cum-Discharge Form, with the advance receipt for discharge of claim and "Useful information for claimants"
Jan Suraksha website: national toll-free numbers, and "JAN-SURAKSHA - Toll Free Numbers" by state (SLBC convenor banks)
Insurance for All: Expanding Coverage, Strengthening Social Security (backgrounder)
PM Suraksha Bima Yojna: Celebrating 10 Years of Securing Lives, Empowering Future (backgrounder)
Bima Bharosa (IGMS) portal: register a complaint; Call Center
RBI Complaint Management System: Reserve Bank – Integrated Ombudsman Scheme, 2026
Notification S.O. 1050(E), 4 March 2021: rights of an Overseas Citizen of India (OCI) cardholder, under section 7B(1) of the Citizenship Act, 1955
Annual Report 2025-2026