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Jan Suraksha Scheme

The Jansuraksha scheme is an endeavour by the Government of India to provide financial security to the underprivileged and poor sections of society at affordable rates. Under the Jansuraksha Scheme, the Government launched 3 plans to cover the term insurance, personal accidental death and disability, and pension needs of the customers. Let us look at the plans available under the Jansuraksha scheme in India.

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What are the Schemes Available Under Jan Suraksha Schemes?

The Government offers the following 3 schemes under the Jan Suraksha Schemes:

Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
- This Jan Suraksha Scheme is a term life insurance plan for people with an existing savings bank account.
- Individuals between 18 and 50 years old can only avail this plan.
- This Jansuraksha scheme provides a life cover of Rs. 2 Lacs at just Rs. 330 per annum.
- The premiums can be paid only through ‘auto-debit’ in one instalment.
- This Jan Suraksha scheme needs to be renewed at the end of every year.
Pradhan Mantri Suraksha Bima Yojana (PMSBY)
- This Jansuraksha scheme is a personal accident insurance scheme available for people between the ages of 18 and 70 years.
- The plan provides a risk cover of 2 Lacs for accidental death and total disability and 1 Lacs cover for partial disability.
- The premiums for this Jan Suraksha Scheme are just Rs. 12, payable annually.
- The premiums will be deducted from the policyholder’s savings account through ‘auto-debit’ feature
- This Jansuraksha scheme needs to be renewed annually.
Atal Pension Yojana (APY)
- This Jan Suraksha scheme pension plan is available for Indian citizens who are between the ages of 18 - 40 years.
- The policyholder should have a savings bank account or post office savings bank account.
- This Jansuraksha scheme plan offers a guaranteed minimum pension of 1000, 2000, 3000, 4000, or 5000 per month from the age of 60 years, depending on the contributions made by the policyholder.
- The premium contributions can be made on a monthly, quarterly, or half-yearly basis via an ‘auto-debit’ facility.
- In case of the policyholder’s death, the accumulated pension will be paid to the spouse. In case of death of both (policyholder and spouse), the pension amount will be paid to the nominee.

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Additional Advantages

Social Security Net: These schemes collectively create a social security net for the economically weaker sections, providing them with much-needed financial protection.
Encouragement of Savings: The schemes encourage regular savings and financial planning among the masses.
Financial Inclusion: Promote financial inclusion by bringing more people into the formal banking and insurance sectors.

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Conclusion

The Jan Suraksha Schemes offer significant benefits by providing affordable and accessible insurance and pension options. They play a crucial role in ensuring financial security for individuals and their families, especially in times of crisis. By enrolling in these schemes, individuals can safeguard their future and reduce financial uncertainties.

FAQs

Q: What are Jan Suraksha schemes?

Ans: Jansuraksha schemes are initiatives launched by the government to ensure the financial security of people from all backgrounds of society. With Jan Suraksha Schemes, you can secure your dependents against eventualities at highly affordable rates.
Q: What are the benefits of Jan Suraksha Yojana?
Ans: The benefits of Jansurakhsa Yojana are as follows:
- Financial security of loved ones
- Accidental Death Cover
- Cover Against Accidental Disability
- Post-retirement Stability
- Cover Against Partial Disability
Q: What is the nature of PMJJBY Jan Suraksha Scheme?

Ans: PMJJBY or the Pradhan Mantri Jeevan Jyoti Bima Yojana Jansuraksha Scheme is a one year term insurance plan that offers cover against all kinds of death and needs to be renewed each year for continued coverage.
Q: What are the benefits offered under Pradhan Mantri Jeeven Jyoti Bima Yojana?

Ans: The plan provides a life cover of 2 Lacs in exchange for Rs 330 paid per year. In case of the policyholder’s death during the policy term, Rs 2 Lacs will be paid to the nominee.
Q: What is the nature of Pradhan Mantri Suraksha Bima Yojana?

Ans: The PMSBY Jan Suraksha Scheme is a personal accident insurance scheme that offers protection against death and disabiltiy. The scheme needs to be renewed every year.
Q: What are the benefits payable under the PMSBY Jansuraksha Scheme?

Ans: The plan offers a death cover of 2 Lacs, a total permanent disability cover of 2 Lacs, and partial disability cover of 1 Lac in exchange of Rs 12 per annum.
Q: What is Atal Pension Yojana?

Ans: APY Jansuraksha Scheme is a pension scheme launched for the Indian citizens. Under this, the subscribers will receive anywhere from 1000 to 5000 per month after the age of 60 years, depending on the contributions made towards the scheme.
Q: Is aadhaar necessary to join the APY Jansuraksha scheme?

Ans: No, aadhaar card is not necessary to join this jan suraksha scheme. However, providing Aadhaar can help with the proper identification of the subscriber.