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How to Claim PMJJBY Life Insurance ₹2 Lakh 2026

Claim PMJJBY ₹2 lakh life insurance for nominee. ₹436/year premium, ₹2L cover.

📁 Insurance ⏱️ 30-45 mins 💰 Free

About This Guide

Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) ₹2 lakh life insurance for ₹436/year. After subscriber death, nominee claims via bank. Documents needed: death certificate + claim form. Settlement 30-45 days. Annual renewal critical.

Eligibility Criteria

Nominee of PMJJBY subscriber
Subscriber death within policy period
Premium paid up to date
Bank account holder
Aadhaar of nominee

Documents Required

Keep these documents ready before starting application. Missing documents = delayed approval.

Death certificate of subscriber
PMJJBY claim form (Form C)
Bank passbook of nominee
Aadhaar of nominee
Cancelled cheque
Photo of nominee
Discharge form

Step-by-Step Application Process

Follow these steps in order. Each step is critical - skip none.

Inform Bank

Visit branch where subscriber had account.

Get Claim Form

PMJJBY Claim Form (Form C) from bank.

Fill Form

Subscriber + nominee details, account, death info.

Attach Death Certificate

Original or attested copy.

Submit at Bank

Bank acknowledges with reference number.

Bank Forwards to Insurer

Within 7-15 days.

Claim Processing

Insurer reviews. May seek additional documents.

Approval

Within 30-45 days typically.

DBT to Nominee

₹2 lakh credited to nominee account.

Key Benefits

₹2 lakh death benefit
Affordable ₹436/year premium
Bank-led claim process
DBT to nominee
Multiple banks support
Section 80C tax benefit
Combined with PMSBY for ₹4L total

What Happens After Application?

30-45 days settlement typical. Track via bank reference number. Escalate to Branch Manager if delayed.

Frequently Asked Questions

Claim within how long after death?

Within 30 days ideal. Up to 90 days accepted with explanation. Beyond 90: case-by-case.

PMJJBY + PMSBY both?

Yes. Different schemes, separate claims. PMJJBY (death any reason) + PMSBY (accidental death/disability) = combined ₹4L.