Pradhan Mantri Jeevanjyoti Bima Yojana And Bima Suraksha Yojana Full Detail
Under the Pradhan Mantri Suraksha Bima Yojana, the government provides death insurance of Rs 2 lakh for only Rs 1 per monthUnder the Pradhan Mantri Jeevan Jyoti Bima Yojana, his family gets Rs 2 lakh in case of death due to illness or accident
If you are thinking of taking a term insurance plan to provide financial security to the family but you cannot afford the insurance cover of private companies, you can take advantage of the government scheme. In the Central Government's Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Pradhan Mantri Suraksha Bima Yojana (PMSBJ) you will get term insurance up to Rs 2 lakh at a very low cost. Here you are told about both these schemes.
Pradhan Mantri Suraksha Bima Yojana
Cover of Rs 2 lakh for Rs 1: Under this scheme, the government provides death insurance of Rs 2 lakh for only Rs 1 per month. The scheme was launched by Prime Minister Narendra Modi in May 2016. Under the scheme, various types of covers are available at an annual premium of Rs 12 on a monthly basis of Rs 1. This amount is deducted from your linked bank account every month. Under this you get a cover of Rs 2 lakh. Also, one lakh rupees is earned in various circumstances.
Applicant must have a bank account: Pradhan Mantri Suraksha Bima Yojana (PMSBY) form can be filled online or by visiting the bank. You can take this insurance through any bank. Along with the public sector, private banks have also provided complete information on this on their websites. The applicant must have a bank account to avail the benefits of the scheme. Money is debited directly from the bank account.
Rs 2 lakh will be given in case of death due to accident: Rs 2 lakh will be paid in case of permanent complete disability in case of accident i.e. loss of two eyes or two arms or legs. Rs 1 lakh will be paid in case of permanent partial disability in an accident such as loss of sight in one eye or in case one arm or one leg cannot be used.
Who can avail the benefit: Applicants should be at least 18 years of age. Also, this insurance can be taken for a maximum of 70 years. Click here for more information regarding the scheme.
Pradhan Mantri Jeevan Jyoti Bima Yojana
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2 lakh on death of the insured: Term insurance plan is offered under Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY). After investing in it, if a person dies due to any disease or accident, his family gets Rs 2 lakh. The scheme was launched in May 2015. The person concerned should have a bank account. The policyholder has to deposit Rs. 330 per annum. This amount will be deducted directly from the bank account of the person concerned every year. Anyone between the ages of 18 to 50 can avail this scheme.
The cover period is from 1st June to 31st May: Its cover period is from 1st June to 31st May. This means that if the PMJJBY policy is purchased on any date, its coverage for the first year will be till May 31 next year. This is available only 45 days after enrollment in the risk cover scheme.
No medical test required: No medical test is required to purchase insurance. You will start getting this facility from the time the premium amount is deducted from your bank account.
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Where to avail the benefits: This scheme is run by LIC as well as other private life insurance companies. Anyone can also get the information by going to the bank. Many banks also have tie-ups with insurance companies. Click here for more information on this
What is a term plan?
In the term plan, the insurance company pays the sum insured only after the death of the policyholder. If the person taking the policy stays healthy even after the expiry of time, then he does not get any benefit.
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