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Eligibility: Savings bank account holders between 18 years (completed) and 50 years (age nearer birthday) who have given the consent to join the scheme / enable auto-debit, as per the modality, will be enrolled into the scheme.
Policy period: Life insurance cover starts from date of premium payment to 31st of May and renewable thereafter on a yearly basis (Jun to May).
Premium: Rs. 436/- payable by auto-debit from customers account
Risk Coverage: Sum Assured of Rs. 2,00,000/- on death of the Insured member for any reason is payable to the nominee. No claim is admissible for deaths during the first 30 days from the entry date, except for cases of death due to accident.
Kotak Mahindra Bank will be the master policy holder.
The insurer is LIC of India.
Termination in case of Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY): The assurance on the life of the member shall terminate / be restricted accordingly on any of the following events:
- On attaining age 55 years (age near birthday), subject to annual renewal up to that date (entry, however, will not be possible beyond the age of 50 years).
- Closure of account with the Bank or insufficiency of balance to keep the insurance in force.
- In case a member is covered through more than one account and premium is received by LIC inadvertently, insurance cover will be restricted to Rs. 2 lacs and the premium shall be liable to be forfeited.

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