Pradhan Mantri Jeevan Jyoti Bima Yojana Claim Procedure

Pradhan Mantri Jeevan Jyoti Bima Yojana is an insurance scheme that covers the life of the policy holder. You have to pay only Rs. 436 annually as a premium to avail the benefits of this policy.

This policy insures the policyholder for a cover of Rs. 2 lakhs. Prime Minister Narendra Modi has started this scheme. The main objective of this scheme is to provide cheap Insurance to every citizen of India under Financial Inclusion drive.

This is a life insurance policy, not an accidental insurance policy. Sometimes people assume that the Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha Bima Yojana are the same insurance policies.

But both are completely different. Where the Pradhan Mantri Suraksha Bima Yojana only covers accidental mishaps,  the Pradhan Mantri Jeevan Jyoti Bima Yojana covers death due to any reason.

In this article, we will not cover the process of taking the Pradhan Mantri Jeevan Jyoti Bima Yojana; instead, we will cover the most important topic, which is how to lodge a claim for the Pradhan Mantri Jeevan Jyoti Bima Yojana 

And we have already covered PMJJBY Scheme in detail. You can read this article by clicking link given below:

Pradhan Mantri Jeevan Jyoti Yojana Complete Guide

And what are the important steps to be taken with the bank if there is any delay in the process of claiming this insurance policy.

So let’s get started.

Documents Required for Pradhan Mantri Jeevan Jyoti Bima Yojana Claim Settlement

• Duly filled Claim Form
• Death Certificate of the policy holder
• Deceased Identity Proof (Aadhar, PAN, Driving License, Passport, Voter ID)
• Premium Deduction/Auto Debit Proof: Statement of Account or Passbook with debit entries
• Nominee Id Proof
• Nominee Address Proof
• Nominee Accounts details
• Other documents (if any)

You can download the claim form from here.

PMJJBY Insurance Claim Settlement Procedure

To reduce the turnaround time (TAT) in settlement of claims, Life Insurance Corporation (LIC) has launched a new web portal (MPH) for Master Policy Holders.

MPH portal has following advantage in comparison to existing Parivartan portal.

1. Claim case reaches LIC on a real-time basis. So, faster settlement of claims.
2. Branches can check the current status of the claim and inform to the customer – whether in process/ returned/ settled.
3. Re-submission of papers can be done directly through the portal.
4. At any point of time, Branches can generate information for the Claims settled through this system.

Step 1: PMJJBY Claim Documents Submission

As per the Jan Suraksha portal, claim documents should be submitted to the bank within 30 days of the death of the policyholder.

But if the nominee failed to submit claim documents due to any genuine reason, then the branch has to submit documents. They cannot deny the claim.

• Prepare all documents as per the instructions given in the document required section of this article.
• Do not forget to self-attest your ID proof, address proof, and account details.
• Submit all documents along with your written application to the branch manager, and do not forget to take a xerox copy of your application.

Step 2: Documents Uploading

• After your submission of documents, the branch has to upload duly verified and stamped scanned documents on the LIC MPH portal.
• LIC has given special login credentials to branches to upload all claim documents in real-time so that the claim procedure becomes fast.

Step 3: Follow Up with Branch

• Visit the branch again after 15 days to know the status of the claim settlement.
• Please note that you have to visit the branch every 15 days to know your claim settlement status because branches are not able to follow up with customers due to staff shortages.
• So it is your responsibility to follow up regularly with the branch.

How to track PMJJBY claim status?

Call National Toll Free Number: 1800-180-1111 / 1800-110-001 to get the status.

I have called the national toll-free number of the Jan Suraksha Portal, which deals with Pradhan Mantri. Jan Dhan Yojana, Pradhan Mantri Jeevan Jyoti Bima Yojana, Pradhan Mantri Suraksha Bima Yojana, and Atal Pension Yojana

I have asked them how I can track the status of the claim settlement.

They have answered that Pradhan Mantri Jeevan Jyoti Bima Yojana and Suraksha Bima Yojana take a maximum of 2 months for settlement.

If your claim is not settled within 2 months, you can approach the Jan Suraksha portal to lodge your complaint.

You can also follow Statewise Tollfree Numbers. Download List from here.

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YouTube Video Comments and Answer

Q. Sir mere claim ke paise mujhe mile nahi kiya aap help kar sakte

Answer: Join our Telegram Group to contact us.

And you can also approach the Jan Suraksha National Helpline at 1800 180 1111 for any help regarding your claim. Please do not give money to any person as an assistant in claim settlement.

Jan Suraksha National Helpline Portal will definitely help you receive your claim within the time period, or you can also contact us through the Telegram group.

Q. 29/04/2023 ko bank dwara claim kiya gya kese pta kare kya process hai please reply

Answer: Please wait two months from the submission of the claim. If, after 2 months, your claim settlement is not done, then contact the National Helpline toll-free number to lodge your complaint.

Q. Sir nominee ki umar kam hai to bank ne guardian certificate manga hai ye kaha or kaise banega sir

Answer: Sometimes in a PMJJBY claim settlement, the nominee is a minor. In that case, you have to produce a Guardian Certificate to the bank for settlement of the amount that is received from insurance company.

This guardian certificate can be obtained through the local Tehsil office. You can approach any Tehsil advocate for this.

Q. My claim 26/05/2023 ko bank dwara kiya gya hai paisa kab tak aayega

Answer: Within 2 months

Q. Hello Sir, mano ke kisi ki accident me death huyi hai aur unhone dono bima liya hai pmsby and pmjjby to kya use dono bima yojana se 2-2 lakh rupaye claim milega?

Answer: Yes, if a person is enrolled in both insurance schemes, then after his death, the nominee can claim for both insurance policies.

For the accidental policy, which is the Pradhan Mantri Suraksha Bima Yojana, you have to submit an FIR report, a hospital discharge receipt, and a postmortem report, along with other documents required for claim settlement.

And for the life insurance policy, which is the Pradhan Mantri Jeevan Jyoti Bima Yojana, you have to submit that death certificate along with other documents required for claim settlement.

FAQs