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  1. Home
  2. India Services
  3. Schemes
  4. PM Jeevan Jyoti Bima Yojana
👷 Workers & informal sector🏥 Health & insurance

PM Jeevan Jyoti Bima Yojana

Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)

PMJJBY is a life insurance scheme offering a life cover on death due to any reason, at an affordable annual premium auto-debited from your bank account. It provides simple, accessible life protection.

Official portal · Ministry of Financewww.jansuraksha.gov.inVisit official site
Last updated 19 Jul 2026 Verified against Ministry of Finance Educational guide, not a government site — see our editorial policy.

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Benefits

  • Life cover on death (any reason)
  • Affordable yearly premium
  • Simple bank-based enrolment

Eligibility

  • Bank account holders aged 18–50 (cover can continue up to 55)
  • With auto-debit consent

Documents needed

Savings bank accountAadhaarConsent form for auto-debit

How to apply

  1. 1Contact your bank or use its app/net-banking.
  2. 2Opt in to PMJJBY and give auto-debit consent.
  3. 3The annual premium is auto-debited each year.
  4. 4Nominee can claim the life cover.

Sponsored

Frequently asked questions

Who can enrol in PMJJBY?

Bank account holders aged 18–50 can enrol; the life cover can continue up to age 55, subject to premium payment.

Related schemes

PM Suraksha Bima Yojana

Accident insurance cover at a very low yearly premium.

Jan Dhan Yojana

Zero-balance bank account with insurance and DBT access.

PM Ujjwala Yojana

Free LPG gas connection for women of low-income households.

PM Awas Yojana

Financial help to build or buy a pucca house.