How to Claim PMJJBY and PMSBY?

Claim Process for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)

PMJJBY offers life insurance coverage for death due to natural or accidental causes. When a policyholder passes away during the policy term, the nominee can file a claim. Here’s how the process works:

Steps for Claim Process 

Step 1: Inform the Bank

Just like any other life insurance policy, the first action is to notify the bank branch from which the PMJJBY premium was deducted. Quick intimation helps the bank start the verification process without delay.

Step 2: Collect the Claim Form

You can collect the PMJJBY claim form directly from the bank or download it from the bank’s official website. Ensure you use the latest version of the form.

Step 3: Keep All Required Documents Ready

The nominee must submit a set of documents along with the form:

• Death certificate

• Nominee's identity proof

• Copy of the policyholder's bank passbook or statement

• For accidental deaths: FIR and post-mortem report

Term Plans

₹1
Crore

Life Cover

@ Starting from ₹ 13/day⁺

VIEW PLAN

₹50
LAKH

Life Cover

@ Starting from ₹ 8/day⁺

VIEW PLAN

₹75
LAKH

Life Cover

@ Starting from ₹ 12/day⁺

VIEW PLAN

Ensuring these documents are complete and clear will prevent delays.

Step 4: Submit the Form and Documents

Fill the form carefully and attach all the documents. Submit the complete claim package at the bank branch. Any missing detail may lead to follow-up queries.

Step 5: Bank Verification

The bank verifies the nominee's details, confirms their identity and account, and then forwards the claim to the insurance company for final processing.

Step 6: Claim Settlement

Once the insurer approves the claim, the amount of ₹2 lakh is transferred directly to the nominee's bank account. This usually happens within a few weeks if all papers are in order.

Who Can Claim under Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)

The nominee, legal heir, the appointee (if the nominee is a minor)

When to Claim under Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)? 

Within 30 days of death, you have to submit the claim-cum-discharge form and all the supporting documents to the post office or bank. 

Required documents to file for a claim:

• Claim-cum-discharge form. 

• Aadhaar and PAN numbers of the deceased and the claimant. 

• Death certificate

• KYC document for the nominee/appointee/claimant. 

• First two pages of the passbook or bank statement of the deceased. 

Claim Process for Pradhan Mantri Suraksha Bima Yojana (PMSBY)

PMSBY covers accidental death, permanent total disability, and partial disability. The steps remain similar, but the documents vary depending on the type of claim.

Step 1: Notify the Bank Immediately

In case of an accident, inform the bank where the PMSBY policy is active. If the insured person has passed away, the nominee must report the incident as early as possible.

Step 2: Get the PMSBY Claim Form

The form can be collected from the bank, the associated insurance company, or downloaded online. This form must be filled accurately.

Step 3: Submit the Claim Within 30 Days

PMSBY requires the claim form to be submitted within 30 days of the accident. Any delay can lead to complications or rejection.

Step 4: Submit Required Documents

For Accidental Death

• FIR

• Post-mortem report

• Death certificate

For Disability Claims

• Disability certificate issued by a Civil Surgeon

• Hospital discharge summary

• Bank account details

• Succession certificate (only if no nominee is registered)

Make sure each document is genuine and clearly readable.

Step 5: Bank Verification

After receiving the form and documents, the bank verifies the policyholder’s details and confirms the nominee or claimant’s information. The bank then forwards the verified claim to the insurer within 30 days.

Step 6: Final Review and Settlement

The insurance company checks whether the insured person was covered under the master policy at the time of the accident. Once verified, the insurer processes the claim and transfers the payout to the nominee or the insured person in case of disability.

Who can claim under Pradhan Mantri Suraksha Bima Yojana (PMSBY)

The legal heir or nominee in case of death or the life assured themselves in case of a permanent disability. 

When to claim under Pradhan Mantri Suraksha Bima Yojana (PMSBY)? 

Within 30 days of the accident that led to claim 

Required documents to file a claim under Pradhan Mantri Suraksha Bima Yojana: 

• Proof of accidental death or permanent disability. 

• Claim-cum-discharge form

• Aadhaar and PAN numbers of the deceased and claimant (optional). 

• KYC document for the nominee/appointee/claimant. 

• Proof of being a legal heir if the claimant is not the nominee

First two pages of the passbook or a bank statement showing account details. Key Points to Remember while Filing for a Claim

• The nominee's role is crucial: They should keep all documents organised and act quickly, especially in the case of accidental deaths where additional reports are required.

• Don’t miss the deadlines: Both schemes expect the claim form to be submitted within 30 days. Delays can slow down or even block the claim.

• Documentation decides the speed: Incomplete papers are the most common reason for queries and rejections. Ensure that certificates, ID proofs, and medical or police reports are accurate, legible, and complete.

• Processing usually takes a month or two: Once the bank and insurer receive everything in order, claims are typically cleared within 30 to 60 days.

Wrapping It Up:

PMJJBY and PMSBY are designed to step in during emergencies, but claims can only move smoothly when the nominee follows the correct process. Keeping policy details updated, knowing where the premium is debited from, and maintaining essential documents can make a difficult time a little easier for the family.

FAQ's