You get insurance of Rs 4 lakh for Rs 342, take advantage of Modi government's scheme in this way.
There are two schemes of Narendra Modi government with which you can get insurance up to Rs 4 lakh. Interestingly, you only have to pay Rs 342 a year. In fact, in his first term, the Narendra Modi government launched two schemes, Pradhan Mantri Jeevan Jyoti Vima and Pradhan Mantri Suraksha Vima.
Premium of Rs. 342 per annum
The premium for both these schemes is quite cheap. The annual premium is Rs 330 for Jeevan Jyoti Vima and Rs 12 for Pradhan Mantri Suraksha Vima Yojana. This premium will be replaced by a total cover of up to Rs 4 lakh.
Who can take advantage of this scheme of Modi government.
The Pradhan Mantri Jeevan Jyoti Vima scheme is open to people between the ages of 18 and 50. Also, people up to the age of 70 are covered by the Prime Minister's Security Insurance. Let us say that these are both term insurance policies. However this insurance is for one year only. The scheme has to be renewed by May 31 every year.
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Even if the insurance is purchased on any date in the year, it is valid till May 31. If you join the scheme after May 31, the scheme is valid till the same date of next year. You need to have a bank account to join the scheme. Insurance may also be canceled due to insufficient balance in the account at the time of closing of the bank account or deduction of premium.
What was the purpose.
In 2015, the central government launched the Pradhan Mantri Jeevan Jyoti Vima and Pradhan Mantri Suraksha Vima Scheme to provide insurance cover for the poor. This is the reason why the insurance premium is kept very low. However now this scheme is available for every class. Almost all the private and government banks in the country offer customers the opportunity to join the scheme. If you are using NetBanking, you can avail this scheme at home. You can also be a part of the scheme by visiting the nearest branch of the bank.
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