Question
The Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) is
a government-backed life insurance scheme. Evaluate the following statements: I. PMJJBY provides a life cover of Rs. 2 lakh for death due to any cause, at an annual premium of Rs. 436 per annum. II. The scheme is available to individuals aged 18 to 55 years who hold a savings bank account and give their consent for auto-debit. III. A person who exits the scheme and wishes to re-enroll after a break can do so only by submitting a declaration of good health and paying full arrears of premium. IV. The premium under PMJJBY is deducted from the subscriber's account on June 1 each year, and the cover period runs from June 1 to May 31 of the following year. Which of the above statements are correct?Solution
Statement I is correct PMJJBY provides a Rs. 2 lakh life cover for death due to any reason, at an annual premium of Rs. 436. Statement II is incorrect the eligible age range is 18 to 50 years (not 55 years). Renewal coverage extends up to age 55, but enrollment closes at 50. Statement III is correct a member who exits and wishes to re-enroll must submit a declaration of good health confirming they have no pre-existing terminal illness, and pay the applicable premium. Statement IV is correct the premium is auto-debited from the bank account on June 1 each year, and the coverage period runs from June 1 to May 31 of the following year.
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