**Executive Summary**
This document outlines government measures to increase enrolment and ensure timely disbursement of benefits under the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY). Key initiatives include a Financial Inclusion Saturation Campaign from July 1, 2025, to October 31, 2025, and the introduction of the Jansuraksha Portal for seamless enrolment and claim settlement. The goal is to reduce policy lapses and enhance coverage of social security schemes.
**Key Points / Main Content**
* **Scheme Coverage and Performance:**
* As of February 18, 2026, there are 26.79 crore beneficiaries and 12.55 crore active PMJJBY policies.
* The scheme boasts a 99.95% claim settlement ratio as of February 18, 2026.
* The average claim settlement time ranges from 0.61 to 17 days across various insurers.
* In the last five years, 10,75,337 claims were received, 10,41,853 were paid, and 32,893 were rejected, maintaining the 99.95% settlement ratio.
* **Measures to Increase Enrolment and Timely Disbursement:**
* **Reducing Policy Lapses:** The Department of Financial Services issues an annual action plan before the renewal cycle to implementing banks, insurance companies, and the Life Insurance Council. The latest action plan was issued on May 13, 2025.
* **Increasing Coverage:** Regular grass-root level campaigns are conducted with the participation of banks and local administration to increase coverage under PMJJBY and PMSBY.
* **Financial Inclusion Saturation Campaign:** A 4-month campaign was launched nationwide in 2.70 lakh Gram Panchayats and Urban Local Bodies (ULBs) from July 1, 2025, to October 31, 2025, to achieve saturation and provide direct enrollment assistance.
* **Banking Correspondents (BCs):** A network of approximately 16 lakh BCs is actively enrolling eligible individuals under these social security schemes.
* **Jansuraksha Portal:** This portal provides universal access to social security protection through digitized journeys for PMJJBY and PMSBY. It hosts enrollment forms, rules, and FAQs in multiple languages. All 12 Public Sector Banks, 28 Regional Rural Banks, and 13 insurers are onboarded.
**Impact Analysis**
* **Beneficiaries**
* **Impact:** Increased access to social security schemes, simplified enrolment processes, and faster claim settlement, ensuring timely disbursement of benefits.
* **Action Required:** Participate in campaigns and utilize the Jansuraksha Portal for enrolment and claim settlement.
* **Banks, Post Offices, and Insurance Companies**
* **Impact:** Increased policy enrolments, reduced policy lapses, and a streamlined process for claim settlement. They are responsible for implementing action plans and participating in awareness campaigns.
* **Action Required:** Implement annual action plans issued by the Department of Financial Services, actively participate in grass-root level campaigns, and onboard onto the Jansuraksha Portal.
* **Local Administration**
* **Impact:** Enhanced financial inclusion and social security coverage within their jurisdictions.
* **Action Required:** Actively participate in the Financial Inclusion Saturation Campaign and support grass-root level initiatives.
* **Ministry of Finance / Department of Financial Services**
* **Impact:** Achievement of scheme objectives related to increased enrolment, reduced policy lapses, and timely benefit disbursement.
* **Action Required:** Continue issuing action plans, monitor campaign effectiveness, and ensure the functionality of the Jansuraksha Portal.
Key Entities Referenced
PMJJBY: Pradhan Mantri Jeevan Jyoti Bima Yojana (a scheme for life insurance benefits)
PMSBY: A related social security scheme, likely Pradhan Mantri Suraksha Bima Yojana
Jansuraksha Portal: A portal for enrolment and claim settlement for PMJJBY and PMSBY
Department of Financial Services: Issuing annual action plans for reducing policy lapses.
Insurance Regulatory and Development Authority of India (IRDAI): The insurance sector regulator referenced for claim settlement data.
Ministry of Finance
Government takes Measures to Increase
Enrolment and Ensure Timely Disbursement of
Benefits under PMJJBY
26.79 Crore Beneficiaries and 12.55 Crore Active PMJJBY
Policies as on 18.02.2026, 99.95% Claim Settlement Ratio
with 0.61–17 Days Settlement Time under the Scheme
Financial Inclusion Saturation Campaign was held across the
country in 2.70 lakh Gram Panchayats and Urban Local
Bodies (ULBs) from 01.07.2025 to 31.10.2025
Jansuraksha Portal helps in Enrolment and Claim Settlement
under PMJJBY and PMSBY
Posted On: 10 MAR 2026 3:32PM by PIB Delhi
The total number of beneficiaries covered under the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
and the number of active policies during the last five years are 26,79,81,084 and 12,55,58,532 respectively
as on 18.02.2026.
Further, the claim settlement ratio under the said scheme is 99.95% as on 18.2.2026 (since inception). As
per the insurance sector regulator, Insurance Regulatory and Development Authority of India (IRDAI), the
average time taken for settlement of PMJJBY claim varies across various insurers and is in the range of
0.61 Days to 17 Days.
The number of claims filed, settled and rejected along with the claim settlement ratio during the last five
years are 10,75,337 claims received, 10,41,853 claims paid, and 32,893 claims rejected, with a claim
settlement ratio of 99.95%. as on 18.02.2026
With the aim of increasing enrolments and reduce policy lapses, and ensure timely disbursement of
benefits to beneficiaries in PMJJBY, the following measures are being taken:
i. To reduce policy lapses, Department of Financial Services issues an annual action plan
prior to the renewal cycle, which is shared with implementing banks, insurance
companies, and the Life Insurance Council. The latest such action plan was issued on
13.5.2025 for implementation by all banks, post offices, and insurance companies.
ii. Further, in order to increase coverage under PMJJBY, PMSBY, regular campaigns were
held at grass root level with active participation of banks and local administration.
iii. Recently, a 4-month “Financial Inclusion Saturation Campaign” was launched across
the country in 2.70 lakh gram panchayats and Urban Local Bodies (ULBs) from01.07.2025 to 31.10.2025. To achieve saturation in PMJJBY and PMSBY, camps were
organized at gram panchayat and ULB level by Banks, providing residents with direct
access to information and assistance for enrolling in the scheme. The initiative was
aimed to raise awareness and improve participation, helping to bridge gaps in rural
areas including enrolments on the spot.
iv. A strong network of about 16 lakh Banking Correspondents (BCs), representing the last
mile connect in the Banking Services delivery system, is also enrolling eligible people
under these social security Schemes.
v. Jansuraksha Portal has been introduced for providing affordable universal access to
social security protection through end-to-end digitized journeys and empowering
beneficiaries through seamless enrolment and claim remittance for PMJJBY and
PMSBY. All 12 Public Sector Banks and 28 Regional Rural Banks and 13 insurers
have been onboarded on the portal. Further in order to increase the awareness of social
security schemes including the claim settlement process, the Jansuraksha portal (www.j
ansuraksha.gov.in) hosts all relevant material/ information including enrollment forms,
rules, frequently asked questions (FAQs) etc. related to these schemes in English, Hindi
and regional languages.
This information was given by the Minister of State in the Ministry of Finance Shri Pankaj
Chaudhary in a written reply to a question in Lok Sabha yesterday.
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