PMJJBY 2026: Eligibility, Benefits & How to Apply
₹2 lakh life insurance for death from any cause, for ₹436 a year, auto-debited from your bank account.
Always confirm on the official portal before applying. We summarise the scheme in plain language and link to the government source; rules can change. Last verified October 21, 2026.
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Benefit
₹2 lakh life cover for death due to any cause, for an annual premium of ₹436.
Who is eligible
- Age 18 to 50 to join, with a savings bank or post office account.
- Cover can be renewed up to age 55.
Who is not eligible
- People older than 50 at the time of joining.
Documents you need
- Savings bank account
- Aadhaar (KYC)
- Enrolment/consent form for auto-debit
How to apply
- Enrol through your bank branch, net banking, or post office.
- Give consent for the ₹436 annual premium to be auto-debited.
Official website: jansuraksha.gov.in. Cover runs from June 1 to May 31 each year; enrol before renewal to avoid a gap.
Administered by the Ministry of Finance (Department of Financial Services). You can also search all central and state schemes on the government's myScheme portal.
Frequently Asked Questions
What is the premium for PMJJBY?
₹436 per year for ₹2 lakh life cover.
What is the age limit for PMJJBY?
You can join between 18 and 50, and renew up to 55.
Find other schemes you may qualify for
Answer a few questions in our government schemes eligibility finder.
- PMSBY: ₹2 lakh accident insurance for just ₹20 a year.
- Atal Pension Yojana: A guaranteed monthly pension of ₹1,000 to ₹5,000 from age 60, mainly for workers in the unorganised sector.