Humne iss article me Life Insurance ke baare me padha hai. Magar in Life Insurances ke alawa, government ki kuch aisi schemes hain jo hume insurance provide karti hain. Pradhan Mantri Jeevan Jyoti Bima Yojana unme se ek hai.
Pradhan Mantri Jeevan Jyoti Bima Yojana kya hai?
Pradhan Mantri Jeevan Jyoti Bima Yojana LIC ya baaki life insurers provide karte hain. Yeh ek insurance scheme hai jo annual ya saalana basis par kaam karti hai. Annual ya saalana basis ka matlab yeh hai ki iss insurance policy ka term 1 year hota hai jo saal dar saal hum renew karate hain.
Isme kya kya benefits aapko milte hain?
– Iss insurance policy me Rs. 2 lakhs ka death cover milta hai. Yaani, policyholder ki death hone par unke beneficiaries ko Rs. 2 lakhs diye jaate hain
– Pradhan Mantri Jeevan Jyoti Bima Yojana me aapko Rs. 330 ka premium bharna hota hai jo har saal government auto-debit karti hai
– Because iss policy ka term 1st June – 31st May hai, auto-debit 31st May ko, ya usse pehle, ek hi instalment me hota hai. Iss auto-debit ke madhyam se yeh policy renew hoti rehti hai
– Also, let’s say aap beech me exit karte hain, PMJJBY aapko rejoin karne ka provision bhi provide karti hai
Is scheme ke liye kaun kaun eligible hai?
– Policy join karne ke liye aapki age 18-50 years ki honi chahiye. 50 years ke baad aap isey join to nahi kar sakte magar jab tak aap 55 ke hote hain, yeh renew hoti rahegi.
– Aapke paas ek bank account hona chahiye jisme sufficient balance hona zaroori hai.
– Yeh policy sirf vahi join kar sakte hain jinhone auto-debit enable karne ka consent diya ho.
– Aapke paas Aadhar Card KYC ke liye hona zaroori hai
Yeh policy kab khatam hogi?
Agar aap account band kar dete hain, ya aapke paas balance nahi hota, ya fir jab aap 55 ke around ho jaenge, tab yeh policy terminate ho jayegi.
