Rs. 2 Lakh Insurance Cover Scheme for Jan Dhan Account Holders

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The central government is planning to launch a new scheme for Jan Dhan Account holder to provide them insurance cover of up to Rs. 2 Lakh for three years. The insurance cover under the new scheme would be provided free of cost, i.e. there is no need to pay any premium to avail the scheme benefits, you just need to have a saving bank account opened under the Jan Dhan Yojana.

The main objective of the new insurance scheme for Jan Dhan Account holders is to push the social security net for the poor. At present, there are about 27 Crore Jan Dhan account holders in the country who will be benefited by the insurance scheme. Out of the 27 Crore, 16 Crore accounts have been seeded with the Aadhar number of the account holder and rest will be seeded soon to ensure that the welfare payments reach the right beneficiaries in time.

However, the scheme is not finalized yet, but if the scheme provided both life insurance and health insurance cover to all Jan Dhan Account holders, it will cost Rs. 9000 crore to the government. The government would bear the cost of premium to be paid to the insurance companies.

Three social security schemes are already been running named Pradhan Mantri Suraksha Bima Yojana (PMSBY), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY) which were launched in 2014. As per the official data, 3.06 crore people have been enrolled under PMJJBY and 9.72 crore under PMSBY

The premium amount under the PMJJBY is just Rs. 330 per year while the 2 lakh accidental cover is available at a premium of just Rs. 12 per year under Pradhan Mantri Suraksha Bima Yojana (PMSBY).

The new insurance scheme can be implemented and cover would be provided immediately by the insurance companies to all Jan Dhan account holders once the government reaches any conclusion.

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29 thoughts on “Rs. 2 Lakh Insurance Cover Scheme for Jan Dhan Account Holders”

  1. सर मेरा जनधन खाता है लेकिन अभी तक में ₹1 की राशि नहीं मिली है अकाउंट नंबर

    Reply
  2. GOOD MORNING SIR BIHAR SE HU JOB CHAHIYE SIR BIHAR KE LIYE KUCHHA KIJIYE SIR YHA PAR KAM SE KAM 5 BARE COMMPANY LAGWAYE SIR MY, M COM KIYA HU SIR

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  3. SIR, PLEASE HELP KOI JOB MUJHE DILA DIJYE .
    NAME- PRABHAKAR SHARMA BELONG TO GONDA DISTIC
    QUALIFICATION-B.A.PART TWO COMPLITE HAI
    AGE-20YEAR HAI MOB NO.7309208313

    Reply
  4. Sir ,please help me please koi job main meri health main problem hai Age 20 year hai please help?
    District:Fazilka-Abohar
    8968502539

    Reply
  5. sir,i am from, jammu, I was lefted my family 15yers back due to my education propose, my age 28yers, i completed H.S.C. without my family sport, from mumbai bord, from 7th_Std, i started job , in mumbai as a (TEA SHOP).
    Sir, after this hard work i reach this stage, i got pvt job, but now i dont, have any own home, and any secoure job,
    i never demanded nay thig from my family,
    i never demanding any things from you, i am proud of my self because i am Son of INDIA.
    *(sir advised me but i can do more for my future setup)*

    Reply
  6. sir,if population will not help you,i am sure god will defiantly help you,
    buz your one faithful and chalenger,person for our country.

    Reply
  7. Sir Mera Jan Dhan Ka Account H JO Ki Band H Me use Cahalu KRANA CHATA HU PLZ KRA DANA OR UES KE DATAILS AND CONTACT ME-9520805026

    Reply

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