What is the major difference between Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJB

Pradhan Mantri Suraksha Bima Yojana Launched in 2015 People in the age group 18 to 70 years with a bank account who give their consent to join / enable auto-debit on or before 31st May for the coverage period 1st June to 31st May on an annual renewal basis. Aadhar would be the primary KYC for the bank account In the case of a joint account, all holders of the account can join the scheme. Even NRIs are eligible, but if a claim arises, the claim benefit will be paid to the beneficiary/nominee only in Indian currency. Features The risk coverage under the scheme is Rs.2 lakh for accidental death and permanent total disability and Rs. 1 lakh for partial disability. The premium of Rs. 20 per annum is to be deducted from the account holder’s bank account through ‘auto-debit’ facility in one installment. The scheme is being offered by Public Sector General Insurance Companies or any other General Insurance Company who are willing to offer the product on similar terms The cover will be in addition to any other insurance plan the subscriber has. The scheme is not a Mediclaim, that is, there is no provision for reimbursement of hospitalisation expenses following accident, resulting in death or disability. Accidents, any death or disability (as defined under PMSBY) resulting from natural calamities is covered under PMSBY. Death due to suicide is not covered