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By Team ProWiderKart Updated 5 min read
🇮🇳 GOVERNMENT SCHEME

PMJJBY aur PMSBY Government Insurance

₹436 mein ₹2 lakh ka life cover — government scheme. Free advisory via WhatsApp. T&C applicable.

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TL;DR

PMJJBY life insurance (₹2 lakh cover, ₹436/year). PMSBY accident insurance (₹2 lakh, ₹20/year). Bank account se auto-debit. Sabse sasta insurance India mein. T&C government scheme terms applicable.

PMJJBY — Pradhan Mantri Jeevan Jyoti Bima Yojana

Cover: ₹2 lakh (death — any cause)
Premium: ₹436/year (auto-debit from bank)
Eligibility: 18-50 saal, savings bank account
Renewal: Annual — June 1 pe auto-renew

Yeh government-backed scheme hai — through leading public sector aur other insurers via banks. T&C government scheme rules applicable.

PMSBY — Pradhan Mantri Suraksha Bima Yojana

Cover: ₹2 lakh (accidental death/permanent disability) | ₹1 lakh (partial disability)
Premium: ₹20/year (auto-debit)
Eligibility: 18-70 saal, savings bank account

PMJJBY + PMSBY dono = ₹4 lakh cover sirf ₹456/year. T&C applicable.

Enrolment Kaise Karein?

Apne bank branch ya net banking se enrol karo — PMJJBY/PMSBY form fill karo, auto-debit consent do.

Note: Yeh government insurance hai — ProWiderKart directly enrol nahi karata. Apne bank se contact karo. ProWiderKart additional cover ke liye free advisory deta hai. T&C applicable.

PMJJBY/PMSBY + Additional Cover

Yeh schemes basic protection hain — high income walo ke liye additional term insurance zaruri hai.

ProWiderKart additional insurance facilitate karta hai. T&C applicable.

Aksar Pooche Jaane Wale Sawaal

PMJJBY aur PMSBY dono le sakte hain?

Haan — alag schemes hain. PMJJBY life, PMSBY accident. Dono lena recommended.

Multiple accounts — dono se enrol?

Ek account se enrol karo — multiple se invalid hoga. T&C applicable.

Claim process?

PMJJBY: Nominee bank se claim form + death certificate submit kare. PMSBY: Form + medical/FIR documents. T&C applicable.

Premium deduct nahi hua?

Policy lapse ho sakti hai — bank balance maintain karo June pe. T&C applicable.

50 ke baad PMJJBY?

New enrolment 50 ke baad nahi — existing 50 se pehle wale 55 tak continue kar sakte hain. T&C applicable.

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Disclaimer: ProWiderKart ek financial facilitation platform hai — direct lender, insurer ya payment processor nahi. Loan approval, insurance issuance aur gateway activation respective RBI/IRDAI-regulated institution ki discretion par hai. Advisory services free hain. No guaranteed income from partner program. T&C applicable. © ProWiderKart | Privacy Policy | Terms
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