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Jan Dhan Khata Dharko ke liye Bima Yojana

Jan Dhan Khata Dharko ke liye Bima Yojana

Jan Dhan Khata Dharko ke liye Bima Scheme

The central government has launched an insurance scheme to bring strengthening power to the social security of poor through which the account holders of 'Prime Minister Jan Dhan Yojana' will be availing free insurance coverage of 2 lakh. This insurance scheme is available for three years duration. Under the Jan Dhan Yojana scheme, about 27 crore bank accounts have been opened all over the country & among these 16 crore accounts have been connected with Aadhaar Card. The government has been provided with Rs. 9000 crore under this insurance scheme to cover both life insurance and accident.

An individual who opens up an account through this scheme will be provided with Rupee Debit card so that they can withdraw money from the public money account or create a purchase. The main purpose of this scheme is that huge population of the country that was away from banking for about 70 years, under this scheme, people were much excited about banking and they are directly connected with the economy of the country.

Through this scheme, two people belonging to same people can able to open up Zero Balance account. Two people belonging to the same family can open zero balance account. Free mobile banking facility is also offered through this account. Funds will be transferred at free of charge. Depositing and withdrawing are ultimately free.

How To Open Account On Jan Dhan Yojana?

Authorized banks will provide you the account opening form. You have to complete the form to open an account on Jan Dhan Yojana. You need to submit this form along with ID proof. There will be the application where the candidate has to fill up necessary information in the form. The name of bank branch and where the account has to be operand, the applicant's district, village, town, SSA code, village code, ward number, town code, state name and other essential information. In the application, you have to fill up essential information like name, marital status, base number, zip code and address, Mobile and Phone number, MNREGA job card number, Nominee name, relation, former bank details and many others.

Important Points About Prime Minister Jan Dhan Yojana

  • A government official declared that the new scheme, that is being considered, can offer the premium to both the accidental and life insurance scheme
  • General insurance scheme will be provided to all public account holders instantly
  • During 2014, the central government launched three social security programs – PM’s Security insurance scheme (12 rupees annually for accident insurance), PM Jeevan Jyoti Bima Yojna (Initial premium of Rs. 330).
  • This scheme includes disability and Accidental Death Cover. In both situations, the beneficial sum of Rs. 2 lakh is provided to the insurer.
  • The third plan is Atal Pension scheme. As per Ministry of Finance, 3.06 crore people are connected with PM Jyoti Jyoti Bima Yojna & 9.72 crore PM security insurance scheme.

Objectives Of Jan Dhan Account Holders

  • The central Government has introduced a new scheme for Jan Dhan Account holder through which the account holder will be offered with an insurance cover of Rs. 2 lakhs. Through this new scheme, insurance can cover up to Rs. 2 lakh will be issued at free of cost, meaning there will be no necessity for paying any premium for getting this beneficial service, just you have to open a savings bank account through Jan Dhan Yojana.
  • The prime objective of this new insurance scheme is to offer the social security of poor account holders. Currently, there are about 27 crore people in our nation who are beneficiaries of insurance scheme, out of 27 crores, 16 crore accounts have been included with a base number of holders, and other accounts will be included soon so that right amount paid will reach the right beneficiaries.
  • But this scheme is not yet finalized, but if the scheme begins, then both Jan Dhan Account holders will be offered with both health insurance and life insurance cover, under this plan government will spend 9000 crores. The premium amount for the plan will be paid for insurance companies.
  • Three social security plans are previously underway, Atal Pension Yojana (APY), Pradhan Mantri Suraksha Bima Yojana (PMSBY) and Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY). As per the official figures, 3.06 crore people have taken part under PMJJBY & 9.27 million people under PMSBY.
  • Premium amount below PMJJBY is just 330 rupees per year, but through PM security insurance scheme, Rs. 2 lakh accident coverage will be found on the premium amount of Rs. 12 per year.
  • When the government comes to a conclusion, then this new insurance scheme can be launched & this cover will be afforded instantly by the insurers for all public money account holders.

Who Can Open Up An Account?

  • Any person who has Indian nationality can open up an account through this scheme
  • A child below 10 years of age can also open an account.
  • During such situation, a child’s guardian can manage the account
  • Anyone having identity proof verified by government official can able to open up the account

Documents Needed For Opening Account

  • If you have Aadhaar card then you need not to give other documents for opening the account. If you do not hold Aadhar card then you need to give the following documents.
  • Driving License
  • Passport
  • Voter Card
  • NREGA card

Thus Jan Dhan Khata Dharako ke liye Bima Yojana is for the benefit of the poor people to avail plenty of financial services like deposit accounts, savings, and bank accounts.

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