Launched on 9 May 2015 under the Jan Suraksha initiatives, PMJJBY has now become one of India's largest social security insurance schemes. As of May 2026, the scheme has crossed 27 crore enrolments, while claims worth over ₹21,500 crore have already been settled for more than 10.7 lakh families.
In this article, check complete details about PM Jeevan Jyoti Bima Yojana 2026, including PMJJBY form PDF download links, premium amount, eligibility, enrollment process, claim forms, renewal rules, latest statistics, and official helpline numbers.
PMJJBY 2026 Latest Update
On the completion of 11 years of Jan Suraksha schemes on 9 May 2026, Finance Minister Nirmala Sitharaman announced that PMJJBY, PMSBY, and APY have significantly expanded affordable insurance and pension coverage across the country.According to government data:
- PMJJBY has crossed 27 crore registrations
- More than ₹21,500 crore claims have been settled
- Over 10.7 lakh families have received claim benefits
- Around 12.72 crore women subscribers are enrolled under PMJJBY
- More than 8.09 crore PMJDY account holders are covered under the scheme
What is PM Jeevan Jyoti Bima Yojana (PMJJBY)?
The Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) is a one-year renewable term life insurance scheme launched by the Central Government on 9 May 2015.The scheme offers life insurance coverage of ₹2 lakh for death due to any cause. Premium payment is auto-debited annually from the subscriber’s bank or post office account.
PMJJBY 2026 Overview
| Particular | Details |
| Scheme Name | Pradhan Mantri Jeevan Jyoti Bima Yojana |
| Short Name | PMJJBY |
| Launch Date | 9 May 2015 |
| Insurance Coverage | ₹2 lakh |
| Premium Amount | ₹436 per year |
| Age Limit | 18 to 50 years |
| Coverage Period | 1 June to 31 May |
| Renewal | Annual |
| Application Mode | Through Bank / Post Office |
| Beneficiaries | Bank & Post Office Account Holders |
| Official Website | jansuraksha.gov.in |
PM Jeevan Jyoti Bima Yojana Form PDF Download
Applicants can download PMJJBY application forms in multiple languages and submit them to their bank or post office.PMJJBY Application Form PDF Download Links
- Hindi Application Form - PMJJBY Hindi Application Form PDF
- English Application Form - PMJJBY English Application Form PDF
- Bangla Application Form - PMJJBY Bangla Application Form PDF
- Gujarati Application Form - PMJJBY Gujarati Application Form PDF
- Kannada Application Form - PMJJBY Kannada Application Form PDF
- Telugu Application Form - PMJJBY Telugu Application Form PDF
How to Download PMJJBY Application Form PDF
Follow these steps to download the application form online:- Visit the official Jan Suraksha website - Jan Suraksha Portal Homepage
- Open the "Forms" section - Jan Suraksha Forms Page
- Select the PMJJBY forms section - PMJJBY Forms Page
- Open the "Application Forms" tab
- Choose your preferred language
- Download and print the form
- Submit the filled form to the concerned bank or post office
PM Jeevan Jyoti Bima Yojana Premium Amount 2026
Under PMJJBY, subscribers need to pay an annual premium of ₹436 for insurance coverage of ₹2 lakh.PMJJBY Annual Premium Details
| Enrollment Period | Premium Payable |
| June, July and August | ₹436 |
| September, October and November | ₹342 |
| December, January and February | ₹228 |
| March, April and May | ₹114 |
Important Note About PMJJBY New Premium
For first-time subscribers, insurance risk coverage starts from the date of premium auto-debit. However, except in accidental death cases, claims are not admissible for deaths occurring within the first 30 days due to the lien period condition.Benefits of PM Jeevan Jyoti Bima Yojana
- Life insurance coverage of ₹2 lakh
- Coverage available for death due to any cause
- Affordable annual premium
- Simple enrollment process
- Auto-debit premium payment facility
- Available through banks and post offices across India
- Financial support for nominee or family members
PMJJBY Eligibility Criteria
Applicants must fulfill the following conditions:- Applicant must be an Indian citizen
- Age should be between 18 and 50 years
- Must have a savings bank account or post office account
- Aadhaar should preferably be linked with the account
- Only one PMJJBY policy is allowed per person
The insurance cover can continue up to 55 years of age subject to regular renewal and premium payment.
PMJJBY Enrollment Process
Eligible citizens can enroll in the scheme through participating banks and post offices by submitting the prescribed application form and auto-debit consent.How to Enroll for PMJJBY
- Visit your bank branch or post office
- Obtain the PMJJBY application form
- Fill in personal and nominee details
- Provide consent for annual premium auto-debit
- Submit the completed form to the concerned authority
PMJJBY Claim Form PDF Download
Nominees can submit claim forms in case of the subscriber's death to receive insurance benefits.PMJJBY Claim Form PDF Links
- Hindi Claim Form - PMJJBY Hindi Claim Form PDF
- English Claim Form - PMJJBY English Claim Form PDF
- Bangla Claim Form - PMJJBY Bangla Claim Form PDF
- Gujarati Claim Form - PMJJBY Gujarati Claim Form PDF
- Kannada Claim Form - PMJJBY Kannada Claim Form PDF
- Telugu Claim Form - PMJJBY Telugu Claim Form PDF
How to Submit PMJJBY Claim
The nominee should follow these steps:- Download the PMJJBY claim form
- Fill all required details carefully
- Attach necessary documents such as:
- Death certificate
- Aadhaar card
- Nominee ID proof
- Bank account details
- Submit the claim documents to the bank branch
- The bank forwards the claim to the insurance company for settlement
PMJJBY Renewal Process
The scheme is renewed every year automatically through the auto-debit facility linked with the subscriber's account. Subscribers should maintain sufficient account balance before the renewal period.PMJJBY Helpline Number
For assistance regarding PMJJBY:- Toll-Free Number: 1800-180-1111
- Alternate Helpline: 1800-110-001
PMJJBY FAQs PDF
Applicants can download the official FAQ document for complete details related to enrollment, claims, renewal, and coverage.PMJJBY Official FAQ PDF
Other Jan Suraksha Schemes
Apart from PMJJBY, the government is also implementing the following social security schemes:Pradhan Mantri Suraksha Bima Yojana (PMSBY)
PMSBY provides accidental insurance coverage for people aged 18 to 70 years at an annual premium of ₹20.Benefits include:
- ₹2 lakh for accidental death or total disability
- ₹1 lakh for partial disability
- PMSBY crossed 58 crore enrollments
- Female subscribers exceeded 27.45 crore
- More than 1.84 lakh families received claims worth around ₹3,660 crore
Atal Pension Yojana (APY)
Atal Pension Yojana (APY) is a pension scheme for workers in the unorganized sector. It provides guaranteed monthly pension ranging from ₹1,000 to ₹5,000 after the age of 60 years.By April 2026:
- APY crossed 9 crore enrollments
- Subscribers can pay contributions monthly, quarterly, or half-yearly
Conclusion
The PM Jeevan Jyoti Bima Yojana (PMJJBY) has become one of the largest and most affordable life insurance schemes in India. With an annual premium of just ₹436, subscribers receive ₹2 lakh life insurance coverage, helping families remain financially secure during difficult times.With more than 27 crore enrollments and claims exceeding ₹21,500 crore, the scheme has played a major role in expanding social security coverage among low and middle-income households across the country.
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