View source for Digital-India/C2/PMJJBY/English


{| style="border-spacing:0;"
| style="border:0.75pt solid #000001;padding:0.176cm;"| <center>'''Visual Cue'''</center>
| style="border:0.75pt solid #000001;padding:0.176cm;"| <center>'''Narration'''</center>

|-
| style="border:0.75pt solid #000001;padding:0.176cm;"| Title slide
| style="border:0.75pt solid #000001;padding:0.176cm;"| Hello and welcome to this spoken tutorial on how to apply for '''Pradhan Mantri Jeevan Jyoti Bima Yojana.'''

|-
| style="border:0.75pt solid #000001;padding:0.176cm;"| Slide: Learning Objectives 


Image in centre

[[Image:]]

Make words appear from the left and place under the image

* '''Premium'''
* '''Benefits'''
* '''Claim Amount'''


| style="border:0.75pt solid #000001;padding:0.176cm;"| In this tutorial we will learn about the 

* '''Pradhan Mantri Jeevan Jyoti Bima Yojana'''
* and its '''premium''', benefits and claim amount.




|-
| style="border:0.75pt solid #000001;padding:0.176cm;"| Now show the main character and bank graphic


[[Image:]]

[[Image:]]


[[Image:]]
| style="border:0.75pt solid #000001;padding:0.176cm;"| We will also learn how to

* become a member of the '''Pradhan Mantri Jeevan Jyoti Bima Yojana'''
* and auto-debit our '''Savings Bank account''' towards the payment of annual '''premium'''.



|-
| style="border:0.75pt solid #000001;padding:0.176cm;"| [[Image:]]

Animate '''PMJJBY''' from the image above and form the abbreviation below the image
| style="border:0.75pt solid #000001;padding:0.176cm;"| '''Pradhan Mantri Jeevan Jyoti Bima Yojana '''is called '''PMJJBY''', in short.


Let us now understand the details of the scheme.

|-
| style="border:0.75pt solid #000001;padding:0.176cm;"| [[Image:]]

Change the text '''2 lacs''' in numbers '''2,00,000'''
| style="border:0.75pt solid #000001;padding:0.176cm;"| '''PMJJBY '''is a one year renewable term insurance policy under which:

* the sum assured is Rs. 2,00,000 (Two lakhs) in case of death of the insured member, due to any reason
* and the annual '''premium''' amount is Rs. 330 /- 



|-
| style="border:0.75pt solid #000001;padding:0.176cm;"| [[Image:]]

In previous image, zoom/enlarge the above text

in rubber stamp impression

Now show '''“Includes all administrative charges”''' below it
| style="border:0.75pt solid #000001;padding:0.176cm;"| The annual '''premium''' of Rs. 330 /- is inclusive of all administrative charges of the 

* participating bank, 
* life insurance company 
* and other statutory bodies.



|-
| style="border:0.75pt solid #000001;padding:0.176cm;"| Continue previous image 

Now show '''“NO Service Tax”''' below it in rubber stamp impression. 



| style="border:0.75pt solid #000001;padding:0.176cm;"| Currently, no '''Service tax''' is payable on this scheme.


However it may be applicable

* on the '''premiums''', as notified by the Central and/or State Government, 
* from time to time, 
* as per the provisions of the prevalent tax laws.



|-
| style="border:0.75pt solid #000001;padding:0.176cm;"| Slide

[[Image:]]

[[Image:]] [[Image:]]

Create similar graphic with main character and family
| style="border:0.75pt solid #000001;padding:0.176cm;"| '''PMJJBY '''scheme

* will be administered by a life insurance company in partnership with a bank
* and be guided by the scheme rules 
* as specified by the Government of India from time to time.



|-
| style="border:0.75pt solid #000001;padding:0.176cm;"| [[Image:]]

Show calendar flipping till '''May 2016'''

Show a stamp of '''RENEWAL'''

[[Image:]]
| style="border:0.75pt solid #000001;padding:0.176cm;"| The insurance cover under this product will start from 1<sup>st</sup> June 2015 and shall be renewed annually.

|-
| style="border:0.75pt solid #000001;padding:0.176cm;"| Text on screen

'''Highlights of PMJJBY scheme'''

[[Image:]]

[[Image:]]


[[Image:]]

Show partial image of the form
| style="border:0.75pt solid #000001;padding:0.176cm;"| The key highlights of the '''PMJJBY''' are:

* Protection at an affordable cost
* Instant processing: Minimal medical examination required
* Easy enrolment: Enrolment based on a simplified proposal form



|-
| style="border:0.75pt solid #000001;padding:0.176cm;"| Text on screen

'''Benefits of PMJJBY scheme'''

Words appear on screen

'''Death benefit'''

[[Image:]]


[[Image:]]''' '''[[Image:]]


'''Zoom and make the above images small'''


Words appear on screen

'''Cover period'''

Make an huge umbrella appear above the image

Show the below text under the image

'''1<sup>st</sup> June -------to------ 31<sup>st</sup> May'''


Next, show the text

'''Income Tax benefits & exemptions '''

as a rubber stamp impression
| style="border:0.75pt solid #000001;padding:0.176cm;"| Let us look at some of the benefits of the scheme.


* Death Benefit:
** In the unfortunate event of death of the insured member during the period of cover
** the sum assured will be paid to the 
*** nominated beneficiary 
*** or guardian of the nominated minor beneficiary 
*** or legal heir.
* Cover period:
** is for one year from 1<sup>st</sup> June to 31<sup>st</sup> May.
* Tax Benefits:
** Income Tax benefits/exemptions are as per the applicable Income Tax laws in India.



|-
| style="border:0.75pt solid #000001;padding:0.176cm;"| Text on screen

'''Termination of PMJJBY'''

as a rubber stamp impression

First bullet point

[[Image:]][[Image:]] 

[[Image:]]

Show progression of age like this image

[[Image:]]


Make the number begin at 18 years without red crossmark

Increment the counter

Make it stop at 55 and put red cross mark

Now shrink the size of all of the above images to stamp-size


Second bullet point

[[Image:]]

Now shrink the size of the above image to stamp-size


Third bullet point

'''Show calendar with May 2016 and advance it to June 2016'''

'''Circle 1 June 2016'''

'''Show Rs.330 and put a crossmark '''

Show main character with sweat falling from forehead.


Fourth bullet point

Show image of bank and show the text in rubber stamp impression '''Account closed'''

Show main character with sweat falling from forehead.


Fifth bullet point

Show image of bank and show the account balance decreasing from Rs.2,500 to Rs.400

Show '''400 '''zooming in and out

Show main character with sweat falling from forehead.



| style="border:0.75pt solid #000001;padding:0.176cm;"| The insurance cover for a member will be terminated if:

* the age of the insured member becomes 55 years on next annual renewal date
* on death of the insured member
* on non-payment of '''premium''' on the stipulated renewal date
* on closure of the designated account with the bank
* or on insufficient balance in the account to pay the '''premium.'''



|-
| style="border:0.75pt solid #000001;padding:0.176cm;"| Text on screen

'''Eligibility of PMJJBY'''


[[Image:]]

Make the number begin at 18 years without red crossmark

Increment the counter

Make it stop at 50 and put green checkmark



| style="border:0.75pt solid #000001;padding:0.176cm;"| All '''Savings Bank account''' holders, from the age of 18 to 50, in participating banks, are entitled to join '''PMJJBY'''. 

|-
| style="border:0.75pt solid #000001;padding:0.176cm;"| Text on screen

'''Terms of PMJJBY'''

Show 2 different bank image (similar to the ones we used earlier)

Show main character in centre

Show arrow pointing to '''Bank1''' 

On arrow show '''PMJJBY'''

Show arrow pointing to '''Bank2'''

On arrow show '''PMJJBY'''

Show red crossmark on '''Bank1''' and green checkmark on '''Bank2'''
| style="border:0.75pt solid #000001;padding:0.176cm;"| * The account holder should not be insured under '''PMJJBY '''under any other '''Savings Bank account.'''

* In case the same is found to exist, 
** the first subscription of '''premium''' received by the insurance company/companies will be valid
** and will be restricted to Rs. 2 lakhs as per first subscription
** and the premium paid through all subsequent subscriptions will be liable to be forfeited.



|-
| style="border:0.75pt solid #000001;padding:0.176cm;"| '''Image of bank'''
| style="border:0.75pt solid #000001;padding:0.176cm;"| Let us learn how to join '''PMJJBY, '''if we have a '''Savings Bank account''' in any '''bank'''.

|-
| style="border:0.75pt solid #000001;padding:0.176cm;"| 
| style="border:0.75pt solid #000001;padding:0.176cm;"| If you don’t know how to open a '''Savings Bank account''', see the relevant tutorial in this series.




|-
| style="border:0.75pt solid #000001;padding:0.176cm;"| '''Blur the name of the bank in this pic.'''

[[Image:]]


[[Image:]]



| style="border:0.75pt solid #000001;padding:0.176cm;"| To open '''PMJJBY''', we need to get the '''PMJJBY Consent-cum-Declaration form''' from the nearest '''bank.'''

|-
| style="border:0.75pt solid #000001;padding:0.176cm;"| Image of '''PMJJBY form'''

'''Blur/erase the name of the bank in this form.'''
| style="border:0.75pt solid #000001;padding:0.176cm;"| The form looks like this.

|-
| style="border:0.75pt solid #000001;padding:0.176cm;"| Red box around '''Pradhan Mantri Jeevan Jyoti Bima Yojana'''
| style="border:0.75pt solid #000001;padding:0.176cm;"| The Title of the form says '''Pradhan Mantri Jeevan Jyoti Bima Yojana.'''

|-
| style="border:0.75pt solid #000001;padding:0.176cm;"| Red box around small table

Animation

Show pen and put red crossmark on pen
| style="border:0.75pt solid #000001;padding:0.176cm;"| In the very first section of the form, we see a small table with some details.


We do not have to fill any details here; this is for Office Use.

|-
| style="border:0.75pt solid #000001;padding:0.176cm;"| Red box around information text
| style="border:0.75pt solid #000001;padding:0.176cm;"| Below this table, we will find the terms and conditions of the consent, listed in detail.


Read these carefully.


Basically, it states that the account holder gives permission to that particular '''bank'''

* to deduct Rs.330 /- annually 
* towards '''premium '''payment of '''PMJJBY'''.



|-
| style="border:0.75pt solid #000001;padding:0.176cm;"| Red box around Applicant Details, as per Bank/KYC records and the table
| style="border:0.75pt solid #000001;padding:0.176cm;"| The next section is where we have to give our details and our '''Savings Bank account '''details.

|-
| style="border:0.75pt solid #000001;padding:0.176cm;"| Red box around Name of the account holder

Image of Pass book.

Keep on one side and show form again with name filled as

Radha Tiwari
| style="border:0.75pt solid #000001;padding:0.176cm;"| First we will fill the '''Name of the account holder''', as given in our '''Savings Bank account '''passbook.


This will be the name of the insured member for this scheme.


So here, you can fill your own name.


I will write '''Radha Tiwari. '''

|-
| style="border:0.75pt solid #000001;padding:0.176cm;"| Red box around Savings Bank account No.

Image of Pass book.

Keep on one side and show form again with no. filled as

11229944567
| style="border:0.75pt solid #000001;padding:0.176cm;"| Then we will fill the '''Savings Bank account '''number, as given in our '''Savings Bank account '''passbook.

|-
| style="border:0.75pt solid #000001;padding:0.176cm;"| Red box around Aadhar Number, E-mail Id, Mobile No. fields


Show text in resp fields

223344556677

t.radha1002@gmail.com

981223344
| style="border:0.75pt solid #000001;padding:0.176cm;"| Our '''Aadhar no., email-id, mobile no.''' are to be filled in the respective places, as shown here.

|-
| style="border:0.75pt solid #000001;padding:0.176cm;"| Red box around 

Name, address and relationship
| style="border:0.75pt solid #000001;padding:0.176cm;"| Then, we will fill the name of the '''nominee '''or the beneficiary of this scheme, in case of death of the insured member.


Here you can fill the name of any relative.

''For eg: daughter, son, husband, mother, father, brother, sister, etc.''


Along with name, we have to provide address and relationship details also.

|-
| style="border:0.75pt solid #000001;padding:0.176cm;"| Show text 

Asha Suryakant Tiwari

Geeta Niwas, Bolakodi Post, Barkapur, 229001, 

Uttar Pradesh

Next line

Daughter
| style="border:0.75pt solid #000001;padding:0.176cm;"| So, in this space, I will fill my daughter’s name -

'''Asha Suryakant Tiwari.'''


And the address, as shown here.


I will fill relationship as '''Daughter'''.

|-
| style="border:0.75pt solid #000001;padding:0.176cm;"| Red box around Name and address of Guardian
| style="border:0.75pt solid #000001;padding:0.176cm;"| If the '''nominee '''is not a minor, skip this box.

|-
| style="border:0.75pt solid #000001;padding:0.176cm;"| Show text 

Shanta Misra

Shantidham, Behind Parimal Trust Primary School, 

Cherai Post, 

Jaunpur, 222002

Uttar Pradesh
| style="border:0.75pt solid #000001;padding:0.176cm;"| If the '''nominee '''is a minor, we have to provide the name and address of the guardian.

So, I will fill '''Shanta Misra''' as the name.

And the address as shown here.




|-
| style="border:0.75pt solid #000001;padding:0.176cm;"| Red box around Date of Birth and Address

Show text 

10/02/1980

and

Geeta Niwas, Bolakodi Post, Barkapur, 229001, 

Uttar Pradesh
| style="border:0.75pt solid #000001;padding:0.176cm;"| Next, we will fill our '''Date of Birth '''and our '''Address'''.


So, I will write '''10/02/1980''' as my date of birth and the address as shown here.




|-
| style="border:0.75pt solid #000001;padding:0.176cm;"| Red box around Date: and Signature

Show text 

22 07 2015 

Show signature
| style="border:0.75pt solid #000001;padding:0.176cm;"| Lastly, write the date.


I will write '''22 07 2015 '''as this is date on which I am filling this form.


And then sign in the space provided here.

|-
| style="border:0.75pt solid #000001;padding:0.176cm;"| Image of filled form
| style="border:0.75pt solid #000001;padding:0.176cm;"| This completes the filling of the '''PMJJBY''' form.

|-
| style="border:0.75pt solid #000001;padding:0.176cm;"| [[Image:]]
| style="border:0.75pt solid #000001;padding:0.176cm;"|  submit this form to the '''bank officer''' for verification.

|-
| style="border:0.75pt solid #000001;padding:0.176cm;"| Image of filled form 

Zoom into Acknowledgement Slip

Show it filled

Shri/Smt Radha Tiwari

A/c no. 11229944567

Aadhar no. 223344556677

Signature of officer

Seal of bank
| style="border:0.75pt solid #000001;padding:0.176cm;"| The''' Acknowledgement slip cum certificate of insurance''' will be separated from the form and handed-over to us.

|-
| style="border:0.75pt solid #000001;padding:0.176cm;"| Image of filled Acknowledgement slip
| style="border:0.75pt solid #000001;padding:0.176cm;"| This is a very important slip and should be kept very safely.

|-
| style="border:0.75pt solid #000001;padding:0.176cm;"| [[Image:]]
| style="border:0.75pt solid #000001;padding:0.176cm;"| Now, we have become active members of the '''Pradhan Mantri Jeevan Jyoti Bima Yojana.'''




|-
| style="border:0.75pt solid #000001;padding:0.176cm;"| Image of filled Acknowledgement slip



| style="border:0.75pt solid #000001;padding:0.176cm;"| This slip is 

* to be produced in the unfortunate event of death of the insured member 
* by the beneficiary or guardian of the minor beneficiary
* in order to claim the insured amount of Rs.2,00,000.



|-
| style="border:0.75pt solid #000001;padding:0.176cm;"| [[Image:]]
| style="border:0.75pt solid #000001;padding:0.176cm;"| Every year on the date of joining the scheme, our '''Savings Bank account''' will be auto-debited by Rs. 330 /- 


In my case, this will happen on 22 July every year.

|-
| style="border:0.75pt solid #000001;padding:0.176cm;"| Bank Passbook image with debited amount shown
| style="border:0.75pt solid #000001;padding:0.176cm;"| We can check our passbook in that month and note this annual deduction.

|-
| style="border:0.75pt solid #000001;padding:0.176cm;"| Slide
| style="border:0.75pt solid #000001;padding:0.176cm;"| If we wish to discontinue being a member of '''PMJJBY''', we just have to inform the bank, in writing, to do so.


Our instruction will be adhered to, from the next renewal date.

|-
| style="border:0.75pt solid #000001;padding:0.176cm;"| [[Image:]][[Image:]]
| style="border:0.75pt solid #000001;padding:0.176cm;"| So, this is how we can join '''PMJJBY''' and ensure that our loved ones are secured through this policy.

|-
| style="border:0.75pt solid #000001;padding:0.176cm;"| Summary slide

Show a collage of Learning Objectives slide
| style="border:0.75pt solid #000001;padding:0.176cm;"| Let us summarise.


In this tutorial, we learnt about the 

* '''Pradhan Mantri Jeevan Jyoti Bima Yojana'''
* and its premium, benefits and claim amount.

We will also learnt how to

* become a member of the '''Pradhan Mantri Jeevan Jyoti Bima Yojana'''
* auto-debit our '''Savings bank account''' towards the payment of annual '''premium'''
* nominate the beneficiary
* and discontinue from the scheme



|-
| style="border:0.75pt solid #000001;padding:0.176cm;"| Slide
| style="border:0.75pt solid #000001;padding:0.176cm;"| The Spoken Tutorial Project Team

* creates audio-video tutorials on various informative and general awareness topics
* and conducts training programmes, too.

For a complete list of topics, please visit http://spoken-tutorial.org


For more details, pls write to contact@spoken-tutorial.org

|-
| style="border:0.75pt solid #000001;padding:0.176cm;"| Previous slide
| style="border:0.75pt solid #000001;padding:0.176cm;"| Hope this tutorial was helpful. 


This is Nancy Varkey along with the Animation Team from IIT Bombay signing off. Thank you for watching.

|}