How To Download Pmjjby Certificate Online

  • Author :
  • TATA AIG Team
  • Published on :
  • 14/03/2024

PMJJBY, or Pradhan Mantri Jeevan Jyoti Bima Yojana, is a life insurance scheme designed specifically for lower-income individuals. This government-backed policy was launched in 2015. The policy's purpose is to provide financial security to individuals irrespective of their earnings.

The policy premium of PMJJBY is affordable, which makes it a suitable option for the economically weaker section.

However, to get PMJJBY benefits, individuals need to be eligible for the program. In this blog, we will understand in detail about PMJJBY policy certificate download procedure, registration process, and more.

What is Pradhan Mantri Jeevan Jyoti Bima Yojana?

PMJJBY is the program initiated by the government of India to offer life insurance plans to all individuals at a very cost-effective premium. The scheme was launched keeping in mind that the conventional life insurance premium may be out of reach for economically weaker sections.

Thus, to offer life insurance security, the government has launched a budget-friendly scheme. Below is the general overview of PMJJBY.

PMJJBY Aspects Description
Coverage One-year term life insurance plan
Eligibility Individuals between 18 to 50 years of age with a bank account
Sum Assured 2 Lakhs
Yearly Premium ₹436
Renewable Policy Annually until the policyholder reaches 55 years of age.

Why Do You Need to Download a PMJJBY Certificate?

Individuals who have already enrolled for the scheme can easily get the Pradhan Mantri Jeevan Jyoti Bima Yojana certificate downloaded for the below listed reasons.

Proof of Insurance - The PMJJBY certificate is only issued to those who have enrolled under the program. With the PMJJBY policy download option, individuals will have proof of insurance for any future use. The certificate will have details about the policyholder's coverage and benefits.

For Claim Settlement - Another reason to download a PMJJBY certificate is for the easy claim settlement procedure. At the time of claiming insurance, policyholders need to show a valid policy certificate as a mandatory document.

Documentation for Future Use - The downloaded PMJJBY certificate is also used as a supporting document. The document contains all the essential information, such as policy number, validity, contact details, coverage period, etc., which the insurance official needs.

Compliance and Verification - Lastly, the certificate works as a verification proof of compliance requirement of the scheme. Similar to other government schemes, policyholders need to present this document as verification proof for scheme eligibility and various other aspects.

Procedure for PMJJBY Policy Certificate Download

Below is the step by step procedure to do PMJJBY policy certificate download.

Step 1: To download the certificate, go to your bank account's official website and access the net banking facility.

Step 2: Next, after login, go to the Insurance section.

Step 3: After opening the insurance section, head to the "Social Security Scheme".

Step 4: Now, choose the "Pradhan Mantri Jeevan Jyoti Bima Yojana" option.

Step 5: Select the type of transaction, such as product or service type.

Step 6: Enter the details (such as name, nominee, date of birth, Aadhar number, etc.) to verify the identity.

Step 7: After entering all the details, check the "Declaration for Good Health" box and then press the "Submit" button.

Step 8: Once this process is done, you will be redirected to the confirmation page from where you can download the PMJJBY certificate.

Note: The process to do PMJJBY certificate download may have little variation as banks follow different interfaces.

Eligibility Criteria to Enrol For PMJJBY Policy?

Individuals who want to enrol on the PMJJBY program must meet the eligibility criteria.

Age Limit: The government-backed program is eligible for individuals between 18 to 50 years of age. Further, those who have joined the scheme before 50 years of age can avail of its benefits up to 55 years of age even after not renewing their policy.

Bank Account: Various public and private sector banks are participants in this scheme. Those who have enrolled under this scheme need to have an active savings account with the participant bank. Individuals can enrol in the PMJJBY policy through one bank account even if they have multiple bank accounts.

Prerequisite Documents: Individuals need to provide mandatory documents, including Aadhar card, for the KYC to banks or insurance providers.

Declaration of Good Health: Those who enrol under the program need to provide a self-declaration of health at the time of registration. Those who have a medical history or pre-existing conditions may not be eligible for registering for the scheme.

Registration Procedure for PMJJBY

After verifying the eligibility criteria, individuals can register under the scheme. Below is the step-by-step procedure to do the enrolment for the PMJJBY scheme.

Step 1: To enrol under the scheme, first verify if the savings account bank or post office is a participant in the scheme or not.

Step 2: Next, if the bank is a participant then head to the official website of the bank and sign in using internet banking credentials.

Step 3: After logging into the account, head to the "Insurance" section.

Step 4: Under this section, go to the "Social Service/Security Scheme" option.

Step 5: Now, look for the ""PMJJBY"" option.

Step 6: Next, fill out the details, such as name, mobile number, etc, for the registration process. Also, upload the necessary documents and hit the "Submit" button.

Step 7: As a part of the registration process, individuals also need to link the active bank account to the PMJJBY policy.

How to Check PMJJBY Policy Status?

Individuals who have applied for a policy and haven't received any confirmation can also do the PMJJBY status check online by following the listed steps.

Step 1: Login to your internet banking account.

Step 2: Next, click on the "Insurance" section after logging into the account.

Step 3: Now, select the PMJJBY option.

Step 4: Next, enter the account number, followed by registration details and then hit the "Submit" button.

Step 5: After that, the PMJJBY application status will appear on the screen.

Note: Individuals can also check the PMJJBY policy status offline by contacting the bank official or visiting the bank.

How to Raise Claims Under PMJJBY?

Individuals must follow the below steps when they want to raise a claim under the PMJJBY scheme.

Step 1: To make a claim request, the nominee of the policyholder needs to inform the insurance provider or bank after the insurer's death. The whole process can be carried out either by meeting the official directly or contacting them via email or call.

Step 2: Once the meeting is set with an official, the nominee needs to present all the required documents, such as a policy certificate, death certificate, identity proof document, nominee identity proof, bank details of the nominee, etc.

Step 3: After that, the nominee must submit all the documents to the insurance provider or bank. If the document is submitted to the bank, it is the bank’s official’s responsibility to submit a claim request on the policyholder's behalf. However, If it is submitted to the insurance provider, the nominee can file for the claim either by visiting the insurance provider's office or website.

Step 4: After getting all the documents, the official will start verifying all the documents. After verification, they will release the claim amount to the nominee's bank account.

Note: The nominee needs to submit the claim request within 30 days of the insurer's death.

How to Check PMJJBY Claim Status Online?

To do a PMJJBY claim status check online, individuals can log into a bank account using internet banking credentials and under the PMJJBY section, they can check the claim status. They can also check the status by visiting the bank or insurance provider's office.

Why to Purchase a Health Insurance Policy?

Having a PMJJBY offers financial security to the members of policyholders after their demise. Apart from this, having a health insurance policy is also crucial as it offers financial security at the time of medical emergencies.

From critical illness insurance to family floater health insurance schemes, there are different health insurance plans available based on individual varied needs. While purchasing a health insurance policy, it is best to check the coverage and premium.

Tata AIG's health insurance plan offers hospitalisation coverage, in-patient treatment, daycare procedures and more. Further, with add-ons available, individuals can enhance the protection.

With our cashless medical insurance facility, policyholders can avail of medical services in any of their preferred hospitals without incurring out of the pocket expenses.

Conclusion

PMJJBY is a government-backed scheme that has made life insurance plans accessible to individuals from economically weaker sections. With this plan, policyholders can offer financial security up to ₹2 lakh to their family members in case of their unfortunate death. The policy has a premium of ₹436 yearly.

FAQS

What is the benefit of PMJJBY?

The benefit of PMJJBY includes the life insurance plan where the insurer's family will get coverage of ₹2 lakh after their demise.

Who is eligible for PMJJBY?

Individuals who own an active bank savings account between 18 to 50 years of age are eligible for PMJJBY.

Is it necessary to do a PMJJBY certificate download?

The PMJJBY certificate helps in understanding the policy coverage and it works as a verification for policy enrolment status.

Disclaimer / TnC

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

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