Pradhan Mantri Jeevan Jyoti Beema Yojna

Pradhan Mantri Jeevan Jyoti Beema Yojna: Iski ghosna Finance Minister Arun Jaitley ne 28^th February 2015 ko apne annual budget mein ki. Desh mein atyadhik vargo ko arthik suraksha ka abhaav hai. Humare desh mein samanyata pariwar mein ek hi vyakti pariwar  ko paalta hai, aise mein agar us vyakti par kisi tarah ki vipatti aati hai to pariwar laachar ho  jata hai. Is kaaran Budget mein Pradhan Mantri Jeevan Jyoti Beema Yojna ko janta ke liye laya gaya hai jis se ki sabhi logo ko Beema ka laabh mil sake jo abhi tak madhyam income class wale logo tak hi laago tha. Is yojna se kam premium par sabhi logo ko Insurance dena hai.

Main Points of Pradhan Mantri Jeevan Jyoti Beema Yojna:

Pradhan Mantri Jeevan Jyoti Beema Yojna Ke Lakshya(Objectives):

1)Is yojna ka pramukh lakshya un garibo ko bema ka laabh dena jo mehangi policies nahi le paate aur insurance ke adhikar se vanchit reh jaate hain. Is yojna se sabhi ko jan suraksha ke daayre mein laana hai.

Pradhan Mantri Jeevan Jyoti Beema Yojna Ke Visheshtaaye(Features):

1)Life Covered: Policy holder ki death ke baad Nominate kiye gaye vyakti ko 2 lakh rupaye tak ki raashi milegi. Jeevan Jyoti Beema yojna mein Policy holder ki kisi bhi kaaran se death hone par insurance ki rashi claim karne par milegi.

2)Annual Premium: Is bema kip premium rashi 330 rupaye hai, ye hi policy agar aap LIC se le to annual premium 3000 rupaye hoga. Ye rashi aapke account se auto debit hogi.

3)Nomination: Policy lete waqt policy holder ke dwara Nomination ke liiye nominee ki jankari mein sirf nominee ka naam dena jaruri hoga.

4)Many Saving Account: Agar aapke paas ek se adhik Saving Account(Bachat Khata) hai tab bhi aap sirf ek account se hi is yojna ka laabh le payenge.

5)Re-joining: Agar aap ke account mein balance nahi hone ya fir kisi anya wajah se policy ko continue nahi rakh pate tab bhi dubara is policy ko baad mein continue kar sakte hain.

6)Late Joining: Is yojna se judne ki antim date 31^st May 2015 thi lekin agar aap ne abhi tak apply nahi kiya tab bhi aapke paas ek mauka hai, Is yojna se judne ke liye 31^st August 2015 tak date extend ki hai lekin jarurat padne par aapko medical fitness certificate dena hoga.

7)Already have LIC Policy: Agar aapne pehle se koi LIC ya kisi anya jagah se beema policy li hai tab bhi aap Jeevan Jyoti Beema Yojna se jud sakte hain. Agar aap ek baar Pradhan Mantri Jeevan Jyoti Beema karwa chuke hain to kisi anya bank se dubara ye hi policy(Pradhan Mantri Jeevan Jyoti Beema) nahi le payenge.

Pradhan Mantri Jeevan Jyoti Beema Yojna Ki Yogyata(Eligibility):

1)Age Limit: Is yojna se judne liye 18 se 50 saal tak ki age honi chahiye. Agar aapka birth date 1^st June 1965 se pehle ya fir 1^st June 1997 ke baad ka hai to aap is yojna se nahi jud payenge. Is yojna ka Life Cover 55 yrs of age tak hi rahega. For example, Agar aap 49 ki age mein is yojna se jude aur aapki death 55 ki age cross karne se pehle ho jati hai to aapki death ke baad nominee ko 2 lakh rupaye ki rashi milegi.

2)Must have Saving Account: Is yojna se judne ke liye aapka bank mein saving account hona jaruri hai.