Lok Sabha Question No. 3066 (UNSTARRED), answered on 2018-01-05
Subject: Pradhan Mantri Jeevan Jyoti Bima Yojana
Ministry: FINANCE
Asked by: KIRIT PREMJIBHAI SOLANKI, JUGAL KISHORE SHARMA

## GOVERNMENT OF INDIA MINISTRY OF FINANCE

## DEPARTMENT OF FINANCIAL SERVICES

## LOK SABHA UNSTARRED QUESTION NO. 3066

TO BE ANSWERED ON 5 th  January, 2018/ Pausha 15, 1939 (Saka)

Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)

## QUESTION

3066. DR. KIRIT P. SOLANKI:

SHRI JUGAL KISHORE:

Will the Minister of FINANCE be pleased to state:

- (a) the salient features of the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and the details of the incentives offered under it;
- (b) the  total  number  of  subscribers  currently  enrolled  under  the  scheme  so  far, State/UT-wise;
- (c) the steps taken by the Government to spread awareness about the scheme;
- (d) whether any grievance redressal mechanism exists under the scheme and if so, the details thereof;
- (e) whether any applications regarding insurance claims have been received under this scheme, State/ UT-wise; and
- (f) if  so,  the  number  of  applications  received  in  this  regard  and  the  action  taken thereon?

## ANSWER

## THE MINISTER OF STATE IN THE MINISTRY OF FINANCE (SHRI SHIV PRATAP SHUKLA)

- (a) & (b) ' Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) was launched by the Government on 9 th  May, 2015. It provides one year life cover, renewable from year to year. The salient features of the scheme are as follows:-
-  A life cover of Rs. 2 lakh on account of death due to any reason is offered to all bank account holders.
-  The scheme is available to people in the age group of 18 to 50 years for a premium of Rs.330/- per annum per member, which is to be auto-debited from the subscriber's bank account.
-  The scheme is being offered by Life Insurance Corporation and other private life insurers in tie up with banks.

The State-wise gross enrolment data is given in Annexure-I.

(c)  To  spread awareness about the scheme among the people, several steps have been  taken  such  as  creation  of  an  exclusive  website www.jansuraksha.gov.in , which hosts all relevant material / information including forms, rules etc. related to this scheme  in  english,  hindi  and  regional  languages.  Further,  banks  and  insurance companies have also organized camps and outreach efforts to facilitate access to the scheme. Banners displaying features of the scheme were also installed at all banks and insurance company branches.

A  wide  Media  based  publicity  campaign  through  Local/National  Newspapers  and advertisements  on  Television/Radio/  Internet  was  used  to  create  awareness  about the various aspects of the scheme.

- (d)  There are various grievance redressal mechanisms like PMO Public Grievance (PG) portal, Centralized Public Grievance Redress and Monitoring System (CPGRAM), Pradhan Mantri Jan Dhan Yojana (PMJDY) portal, direct e-mails addressed  to  website  jansuraksha.gov.in  and  toll  free  numbers  at  National  /  State level.  These  complaints  are  followed  on  regular  basis  by  banks  and  insurance companies for quick redressal.
- (e) & (f) The details of State/UT wise insurance claims are given in Annexure-II .

****************

## Annexure -I referred to in reply to part (a) and (b) of the Lok Sabha Un-Starred Question No. 3066 for 05.01.2018

## State-wise Enrollments As Reported by Banks as on 15.12.2017:

| Sl. No.   | States            |   PMJJBY |
|-----------|-------------------|----------|
| *1        | ANDHRA PRADESH    | 18058155 |
| 2         | ARUNACHAL PRADESH |    33267 |
| 3         | ASSAM             |   543400 |
| 4         | BIHAR             |  1215132 |
| 5         | CHHATTISGARH      |  1034839 |
| 6         | GOA               |   112141 |
| 7         | GUJARAT           |  2089273 |
| 8         | HARYANA           |   784470 |
| 9         | HIMACHAL PRADESH  |   243965 |
| 10        | JAMMU & KASHMIR   |   236782 |
| 11        | JHARKHAND         |   427200 |
| 12        | KARNATAKA         |  2960177 |
| 13        | KERALA            |   750190 |
| 14        | MADHYA PRADESH    |  1788368 |
| 15        | MAHARASHTRA       |  3415500 |
| 16        | MANIPUR           |    26645 |
| 17        | MEGHALAYA         |    34484 |
| 18        | MIZORAM           |    43340 |
| 19        | NAGALAND          |    19507 |
| 20        | ORISSA            |   860151 |
| 21        | PUNJAB            |   573276 |
| 22        | RAJASTHAN         |  1290731 |
| 23        | SIKKIM            |    25663 |
| 24        | TAMIL NADU        |  2274252 |
| 25        | TELANGANA         |  1654557 |
| 26        | TRIPURA           |    86407 |
| 27        | UTTAR PRADESH     |  3014251 |
| 28        | UTTARAKHAND       |   330271 |

| 29          | WEST BENGAL               |   1198592 |
|-------------|---------------------------|-----------|
| 30          | ANDAMAN & NICOBAR ISLANDS |     13183 |
| 31          | CHANDIGARH                |     46339 |
| 32          | DADRA & NAGAR HAVELI      |     17657 |
| 33          | DAMAN & DIU               |     15307 |
| 34          | LAKSHADWEEP               |      1125 |
| 35          | NCT OF DELHI              |    983065 |
| 36          | PUDUCHERRY                |     61645 |
| Total       | Total                     | 194763307 |
| **37        | Others                    |   3010000 |
| Grand Total | Grand Total               | 197773307 |

** Beneficiaries Converged from Ministry of Textiles, Women & Child Development, MSME and Department of Animal Husbandry, Dairy and Fisheries from their respective erstwhile Insurance Schemes.

## Annexure -II referred to in reply to part (e) and (f) of the Lok Sabha Un-Starred Question No. 3066 for 05.01.2018

## PMJJBY Insurance Claim Data State/UT-wise as on 15.12.2017:

|   Sl. no. | States            |   No. of Claims Received |   No. of Claims Paid |   Amount Disbursed (Rs.Crore) |   No. of Claims under process |
|-----------|-------------------|--------------------------|----------------------|-------------------------------|-------------------------------|
|         1 | Andhra Pradesh    |                     7049 |                 6342 |                        126.84 |                           396 |
|         2 | Arunachal Pradesh |                       70 |                   67 |                          1.34 |                             1 |
|         3 | Assam             |                     1986 |                 1824 |                         36.48 |                            44 |
|         4 | Bihar             |                     1820 |                 1675 |                         33.5  |                            74 |
|         5 | Chhattisgarh      |                     3294 |                 3056 |                         61.12 |                            68 |
|         6 | Goa               |                      191 |                  184 |                          3.68 |                             4 |
|         7 | Gujarat           |                     6785 |                 6122 |                        122.44 |                           378 |
|         8 | Haryana           |                     2502 |                 2276 |                         45.52 |                           124 |
|         9 | Himachal Pradesh  |                      604 |                  545 |                         10.9  |                            40 |
|        10 | Jammu & Kashmir   |                       94 |                   90 |                          1.8  |                             3 |
|        11 | Jharkhand         |                      924 |                  876 |                         17.52 |                            29 |
|        12 | Karnataka         |                     7463 |                 7117 |                        142.34 |                           157 |
|        13 | Kerala            |                      881 |                  853 |                         17.06 |                            16 |
|        14 | Madhya Pradesh    |                     6479 |                 6036 |                        120.72 |                           164 |
|        15 | Maharashtra       |                     7529 |                 7008 |                        140.16 |                           260 |
|        16 | Manipur           |                       82 |                   79 |                          1.58 |                             2 |
|        17 | Meghalaya         |                       59 |                   54 |                          1.08 |                             4 |
|        18 | Mizoram           |                      240 |                  235 |                          4.7  |                             1 |
|        19 | Nagaland          |                       53 |                   52 |                          1.04 |                             1 |
|        20 | Odisha            |                     2594 |                 2414 |                         48.28 |                            72 |
|        21 | Punjab            |                     1432 |                 1340 |                         26.8  |                            51 |
|        22 | Rajasthan         |                     5128 |                 4422 |                         88.44 |                           397 |

| 23    | Sikkim               |    43 |    42 |    0.84 |    1 |
|-------|----------------------|-------|-------|---------|------|
| 24    | Tamil Nadu           |  4151 |  3985 |   79.7  |   83 |
| 25    | Telangana            |  7517 |  6873 |  137.46 |  276 |
| 26    | Tripura              |   142 |   136 |    2.72 |    1 |
| 27    | Uttar Pradesh        | 10709 |  9643 |  192.86 |  575 |
| 28    | Uttarakhand          |  1032 |   939 |   18.78 |   48 |
| 29    | West Bengal          |  2730 |  2611 |   52.22 |   64 |
| 30    | Andaman & Nicobar    |    22 |    22 |    0.44 |    0 |
| 31    | Chandigarh           |   112 |   105 |    2.1  |    3 |
| 32    | Dadra & Nagar Haveli |    29 |    27 |    0.54 |    1 |
| 33    | Daman & Diu          |    13 |    11 |    0.22 |    0 |
| 34    | LAKSHADWEEP          |     0 |     0 |    0    |    0 |
| 35    | NCT of Delhi         |  1457 |  1357 |   27.14 |   69 |
| 36    | Puducherry           |   129 |   123 |    2.46 |    3 |
| Grand | Total                | 85345 | 78541 | 1570.82 | 3410 |