Pradhan Mantri Jeevan Jyoti Bima Yojana
(PMJJBY)

Enrollment Modality

• The cover shall be for one-year period stretching from 1st June to 31st May for which option to join/ pay by auto-debit from the deignated individual bank account on the prescribed forms will be required to be given by 31st May of every year. Delayed enrolment for prospective cover is possible with payment of pro-rata premium as laid down in above para for which risk will start from the date of auto-debit of the premium.
• For subscribers enrolling for the first time on or after 1st June 2021, insurance cover shall not be available for death (other than due to accident) occurring during the first 30 days from the date of enrolment into the scheme (lien period) and in case of death (other than due to accident) during lien period, no claim would be admissible.
• Individuals who exit the scheme at any point may re-join the scheme in future years. The exclusion of insurance benefits during the lien period shall also apply to subscribers who exit the scheme during or after the first year and rejoin on any date on or after 1st June 2021.
• In future years, new entrants into the eligible category or currently eligible individuals who did not join earlier or discontinued their subscription, shall be able to join while the scheme is continuing subject to the 30 days lien period described above.