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.
About this guidePending verification
Published on 12-11-2026. Not every fact has been checked against its official source yet: confirm at 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.
Answer the questions below first. Then the documents and steps open.
1Your situation
We show only what 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?
Your answers stay on this phone.
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.
Sources: 1, 2, 4, 5, 16, 11
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.
Sources: 1, 2, 4, 5, 11
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: Aarogyasri and Ayushman Bharat
Sources: 1, 2
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.
Sources: 1, 4, 2
2Documents you need
Tick the ones you have. They are kept in this browser.
Details
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.
Sources: 1, 2, 4, 5
Details
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".
Sources: 7, 8, 6, 3
Details
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.
Sources: 7, 8
Details
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).
Sources: 9, 6, 18
Details
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).
Sources: 10, 6, 19
Details
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.
Sources: 9, 10
Details
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.
Sources: 9, 10, 5
Details
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.
Sources: 9
Details
The police FIR or panchnama, with a disability certificate from the Civil Surgeon and the hospital record that supports it.
Sources: 10
Details
One of: Aadhaar card, voter ID (EPIC), MGNREGA job card, driving licence, PAN card, passport. Giving the Aadhaar and PAN numbers is optional.
Sources: 9, 10
Details
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.
Sources: 9, 10
Details
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.
Sources: 9, 10, 5
Nothing to get ready before these steps.
3Your steps
· Do them in order. Tick each one when it is done.
- Do this nowIf: Join a scheme (or join again)
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. In a joint account, every holder who is eligible can join through that account, and each pays the premium.
Sources: 1, 2, 4, 5
- Do this nowIf: Indian citizen living abroad (NRI)If: Join a scheme (or join again)
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.
Not confirmed
The FAQs do not say which kind of NRI account (NRE or NRO) counts as "eligible". Ask your bank.
Sources: 4, 5
- Do this nowIf: 51 to 70If: Both
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.
Sources: 1, 2
- Do this nowIf: Join a scheme (or join again)
Go to the bank branch or post office where your account is.
You can also join through a Bank Mitra (business correspondent). Fill in the form, agree to the premium being auto-debited from your account, name a nominee, sign it and hand it in.
Sources: 7, 8, 1, 2, 13
- Do this nowIf: Join a scheme (or join again)
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.
Not confirmed
A government release (PIB, May 2026) says there is an online "Jan Suraksha Portal" for joining; we did not find its address on any official page. Ask your bank for the link.
Sources: 13, 12, 1
- Do this nowIf: PMJJBY: ₹2 lakh on death from any cause (₹436 a year) / BothIf: 18 to 50
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.
Sources: 1, 4, 7, 12
- Do this nowIf: PMJJBY: ₹2 lakh on death from any cause (₹436 a year) / BothIf: 18 to 50
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.
Sources: 1, 4, 7
- Do this nowIf: PMSBY: death or disability from an accident (₹20 a year) / Both
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.
Sources: 2, 5, 8, 12
- Do this nowIf: Join a scheme (or join again)
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.
Sources: 7, 8, 1, 2, 13
- Do this nowIf: Join a scheme (or join again)
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.
Sources: 1, 2, 7, 8
- Do this nowIf: Join a scheme (or join again)
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.
Sources: 1, 4, 2, 5
- Do this nowIf: Join a scheme (or join again)
PMJJBY cover ends when you reach 55.
PMSBY cover ends when you reach 70.
Sources: 1, 2, 4, 5
- Do this nowIf: A member has died; make a claim
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.
Sources: 1, 2, 9, 10
- Do this nowIf: A member has died; make a claim
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.
Sources: 9, 10, 5
- Do this nowIf: PMJJBY / Both / Not sure
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). But if the death was within 30 days of joining or re-joining, the claim is paid only for a death from an accident; give proof of the accident too.
Sources: 9, 1, 4
- Do this nowIf: PMSBY (death in an accident) / Both / Not sure
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 be reported to the police.
Sources: 10, 2, 5
- Do this nowIf: A member has died; make a claim
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.
Not confirmed
The rules do not say a dated acknowledgement must be given; it is worth asking.
Sources: 9, 10
- Do this nowIf: A member has died; make a claim
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.
Sources: 9, 10, 5, 1
- Do this nowIf: A member was disabled in an accident; make a claim (PMSBY)
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.
Sources: 2, 5, 10
- Do this nowIf: A member was disabled in an accident; make a claim (PMSBY)
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".
Sources: 10
- Do this nowIf: A member was disabled in an accident; make a claim (PMSBY)
Once the claim is approved, the money is paid into your own (the insured member's) bank account.
Sources: 5
- Do this nowIf: Indian citizen living abroad (NRI)If: A member has died; make a claim / A member was disabled in an accident; make a claim (PMSBY)
For NRI nominees and members, claim money is paid only in Indian rupees.
Sources: 4, 5
If something goes wrong
If it is rejectedIf the bank or post office will not enrol you or will not take your claim, first ask the branch manager why.
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 Telangana 1800-425-8933 (State Bank of India, the state bankers' committee convenor).
Jan Suraksha toll-free number · Open the official page
Sources: 11
If it is lateThe 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.
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. If the complaint is not attended to within 15 days of registering it on Bima Bharosa, or the insurer's answer is not satisfactory, you can approach the Insurance Ombudsman under the Insurance Ombudsman Rules, 2017. The portal never asks for money.
Bima Bharosa (IRDAI) · Open the official page
Sources: 14, 17
AlsoIf your account is at a bank and the premium was debited twice, debited without cover, or debited without your consent, complain to the bank first and keep proof of the complaint.
If your account is at a bank and the premium was debited twice, debited without cover, or debited without your consent, complain to the bank first and keep proof of the complaint. If the bank gives no reply within 30 days of getting your complaint, or you are not satisfied with its reply, complain to the RBI Ombudsman online on cms.rbi.org.in, within 90 days of those 30 days running out or of the bank's last reply, whichever is later. The number 14448 only explains how to complain; it does not take complaints on the phone.
RBI Ombudsman (CMS) · Open the official page
Sources: 15, 20
AlsoIf your account is at a post office and the premium was debited twice, debited without cover, or debited without your consent, complain to India Post: on its website, at any post office, or to the call centre on 1800 266 6868 (open 8 AM–8 PM; closed on gazetted holidays).
If your account is at a post office and the premium was debited twice, debited without cover, or debited without your consent, complain to India Post: on its website, at any post office, or to the call centre on 1800 266 6868 (open 8 AM–8 PM; closed on gazetted holidays). Complain within 60 days of the transaction. If it is not settled in reasonable time, contact the Telangana Circle Nodal Officer (pgco.tl@indiapost.gov.in). If still not settled, complain to the Directorate of Public Grievances (DPG) of the Government of India on its website.
India Post complaints · Open the official page
Sources: 21
Official websites for this work
- India Post Savings schemes and complaints
- RBI Ombudsman Complain about a bank
Related guides
- Opening a bank account (Jan Dhan / zero-balance account)
- Post office savings account, and India Post Payments Bank account
- Linking Aadhaar to your bank account (DBT seeding)
- After a death in the family
- After a road accident
- Atal Pension Yojana (APY)
- e-Shram card (unorganised workers' registration)
- Construction worker card (labour card)
The 21 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 websiteDepartment of Financial Services, Ministry of Finance, Government of India, Paras 2 (18 to 50, one account only, Aadhaar the primary KYC), 3 (1 June to 31 May; pro-rata premiums; 30-day lien), 4 (enrolment; exit and re-joining), 5 (Rs 2 lakh), 6 (Rs 436, auto-debit), 7 (eligibility), 8 (banks/post office the master policy holders), 9 (termination: age 55, account closed or balance short, duplicate cover, reinstatement), 10 (forms kept by the bank; acknowledgement slip-cum-certificate) (01-06-2022) · read on 01-11-2026
- Rules for the Pradhan Mantri Suraksha Bima Yojana (with effect from 1.6.2022), on the Jan Suraksha websiteDepartment of Financial Services, Ministry of Finance, Government of India, Scope of coverage (18 to 70, one account only); Enrolment modality (1 June to 31 May, joining later on the full premium, re-joining); Benefits table; Premium (Rs 20; cover from the date of auto-debit); Eligibility; Termination of cover (age 70, account closed or balance short, duplicate cover, reinstatement); Administration (acknowledgement slip-cum-certificate) (01-06-2022) · read on 30-10-2026
- Letter F. No. FI-12011/2/2015-Ins.II, 1 June 2022: revision of premium rates of PMJJBY and PMSBY; revised enrolment and claim formsDepartment of Financial Services, Ministry of Finance, Government of India, Paras 3–4: revised rules, enrolment forms and claim forms effective from 1.6.2022 (01-06-2022) · read on 30-10-2026
- FAQs on Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)Department of Financial Services, Ministry of Finance, Government of India, Q2 (premium, pro-rata, full premium at renewal, 30-day lien), Q5 (single or joint account holders, one account only), Q6, Q8 (re-joining), Q10 (termination), Q14 (joint accounts: every holder can join and pays the premium), Q15 (NRIs: an eligible account at a bank branch in India; claims paid only in Indian currency), Q16, Q17 (death from any cause, including suicide and murder) · read on 30-10-2026
- FAQs on Pradhan Mantri Suraksha Bima Yojana (PMSBY)Department of Financial Services, Ministry of Finance, Government of India, Q2 (benefits, Rs 20), Q3 (accident), Q5 (who may join), Q6–Q8, Q10, Q14 (natural calamities and murder covered; suicide not), Q15 (joint accounts: every holder can join, Rs 20 per person), Q17 (NRIs), Q18 (no hospital costs), Q19–Q20 (who claims; where the money goes), Q21, Q22 (police report; snake bite or fall from a tree: hospital record), Q23 (missing person), Q24 (partial disability), Q25 (one claim only) · read on 30-10-2026
- Jan Suraksha website: Forms for PMJJBY and PMSBY (application and claim forms, in English, Telugu and other languages)Department of Financial Services, Ministry of Finance, Government of India, "Forms for Pradhan Mantri Jeevan Jyoti Bima Yojana" and "Forms for Pradhan Mantri Suraksha Bima Yojana": APPLICATION-FORMS and CLAIM-FORMS, each with a Telugu (తెలుగు) version · read on 30-10-2026
- PMJJBY Consent-cum-Declaration Form (enrolment form), with the acknowledgement slip cum certificate of insuranceDepartment of Financial Services, Ministry of Finance, Government of India, Auto-debit consent (yearly after 25 May and not later than 1 June); premium by month of joining; 30-day lien; nominee and appointee details; KYC documents (Aadhaar, EPIC, MGNREGA card, driving licence, PAN card or passport) (01-06-2022) · read on 30-10-2026
- PMSBY Consent-cum-Declaration Form (enrolment form), with the acknowledgement slip cum certificate of insuranceDepartment of Financial Services, Ministry of Finance, Government of India, Auto-debit consent of Rs 20 (yearly after 25 May and not later than 1 June); notes on cover and permanent disability; nominee details; KYC documents (01-06-2022) · read on 30-10-2026
- PMJJBY Claim-cum-Discharge Form, with the advance receipt for discharge of claim and "Useful information for claimants"Department of Financial Services, Ministry of Finance, Government of India, Heading (preferably within 30 days of death); Parts 1–2 (by the nominee, appointee or legal heir); attached documents (1)–(7); Part 3 (by the bank or post office); advance receipt; notes 1–7 (appointee, legal heir with succession or legal heir certificate, accident, proof of death, proof of accidental death, KYC documents) (01-06-2022) · read on 30-10-2026
- PMSBY Claim-cum-Discharge Form, with the advance receipt for discharge of claim and "Useful information for claimants"Department of Financial Services, Ministry of Finance, Government of India, Heading (preferably within 30 days of the accident); Parts 1–2; attached documents (1)–(7); Part 3 (by the bank or post office); advance receipt (Rs 1 lakh or Rs 2 lakh); notes 1–8 (permanent disability; proof of disability: FIR or panchnama with a Civil Surgeon's disability certificate and hospital record; proof of accidental death) (01-06-2022) · read on 30-10-2026
- Jan Suraksha website: national toll-free numbers, and "JAN-SURAKSHA - Toll Free Numbers" by state (SLBC convenor banks)Department of Financial Services, Ministry of Finance, Government of India, Site footer: National Toll-Free 1800-180-1111 / 1800-110-001. State list, row 30: Telangana, State Bank of India, 1800-425-8933 · read on 30-10-2026
- Three Jan Suraksha Schemes (PMSBY, PMJJBY and APY) complete 11 years of providing social security coverPress Information Bureau (Ministry of Finance), Government of India, Sections 1 (PMJJBY: eligibility, enrolment period, premium Rs 436 and pro-rata amounts, Rs 2 lakh, 30-day lien) and 2 (PMSBY: 18 to 70, premium Rs 20, benefits); Minister of State's statement on the online Jan Suraksha Portal (09-05-2026) · read on 30-10-2026
- PM Suraksha Bima Yojna: Celebrating 10 Years of Securing Lives, Empowering Future (backgrounder)Press Information Bureau, Government of India, "Application Process for PMSBY": offline at the bank branch with the form from jansuraksha.gov.in, Acknowledgement Slip Cum Certificate of Insurance; online through the bank's net banking (08-05-2025) · read on 30-10-2026
- Bima Bharosa (IGMS) portal: register a complaint; Call Center; Our ProcessInsurance Regulatory and Development Authority of India (IRDAI), Home ("Register Complaint", "Your complaint will be attended to within 14 days"; no payments asked); Call Center page (complaints go to the insurance company first and can be escalated to IRDAI's Grievance Cells; toll-free 155255 and 1800 4254 732); Our Process page, /Home/OurProcess (not attended to within 15 days of registration, or the insurer's resolution not satisfactory: the Insurance Ombudsman, under the Insurance Ombudsman Rules, 2017) · read on 30-10-2026
- RBI Complaint Management System: Reserve Bank – Integrated Ombudsman Scheme, 2026Reserve Bank of India, Home page: "To file a complaint"; contact centre 14448 · read on 30-10-2026
- 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, 1955Ministry of Home Affairs, Government of India, Right (5) (in economic, financial and educational fields not named, the same rights as a foreigner); Explanation (1) (an OCI cardholder is a foreign national, not a citizen of India) (04-03-2021) · read on 30-10-2026
- Annual Report 2025-2026Department of Financial Services, Ministry of Finance, Government of India, Chapter VI, para 6.7 (PMJJBY and PMSBY, key reforms: banks and post offices to forward claim documents electronically to the insurer within seven days of submission of the claim; insurers to settle within 7 days of receipt of the claim documents), printed page 252 (PDF page 36) · read on 01-11-2026
- Jan Suraksha website: Forms for Pradhan Mantri Jeevan Jyoti Bima YojanaDepartment of Financial Services, Ministry of Finance, Government of India, APPLICATION-FORMS and CLAIM-FORMS, each in Bangla, English, Gujarati, Hindi, Kannada and Telugu (తెలుగు) · read on 01-11-2026
- Jan Suraksha website: Forms for Pradhan Mantri Suraksha Bima YojanaDepartment of Financial Services, Ministry of Finance, Government of India, APPLICATION-FORMS and CLAIM-FORMS, with a Telugu (తెలుగు) version of each · read on 01-11-2026
- Frequently asked questions: Reserve Bank - Integrated Ombudsman Scheme, 2026Reserve Bank of India, FAQs 9 (complaints online on the CMS portal), 10 and 11 (the Contact Centre 14448 gives guidance; complaints cannot be filed through it), 16 and 17 (first approach the bank, with proof of that complaint; the Ombudsman after 30 days without a reply, or after an unsatisfactory reply; within 90 days) (01-07-2026) · read on 01-11-2026
- India Post: Guidelines for Registration of ComplaintsDepartment of Posts, Ministry of Communications, Government of India, Guidelines: online, at a post office, call centre 18002666868 (8 AM to 8 PM except gazetted holidays), within 60 days, Circle Nodal Officer, DPG; Annexure B: Circle Nodal Officer, Telangana (pgco.tl@indiapost.gov.in). Page last updated 30.10.2026 · read on 11-11-2026