All Jan Dhan account holders using RuPay Debit Card are given the benefit of accident insurance coverage and other facilities from SBI. Its claim can be taken by the insured or the nominee himself.
SBI’s special offer for Jan Dhan account holders
Jan Dhan Yojana was started to provide financial services, banking savings and deposit accounts, insurance, pension etc. to the economically weaker people in an affordable manner. Under this, SBI has also taken a special initiative. State Bank of India (SBI) offers free accidental cover of up to Rs 2 lakh to all Jan Dhan account holders using RuPay Debit Card. Debit card users are given the benefit of accidental death insurance, purchase protection cover and various other facilities under this coverage.
Pradhan Mantri Jan-Dhan Yojana was launched in the year 2014. Under this, any person can open Jan Dhan account online by providing KYC documents. If you want, you can also transfer your bank account to it. Those who have Jan Dhan account, they get RuPay PMJDY card from the bank. Accidental cover benefit of up to Rs 2 lakh is available on RuPay cards issued after August 28, 2018.
how to get benefit
Jan Dhan account holders who have used RuPay Debit Card within 90 days from the date of accident and have made a successful financial or non-financial transaction can take the benefit of accident insurance. Under the Personal Accident Policy, the benefit of coverage will be available in both the incidents whether in India or outside it.
who can claim
According to the order of the court, the beneficiary cardholder or legal heir whose name is included in the account as a nominee can claim for it. For this a legal heir certificate has to be filed. Claim form for claim of accidental death, original copy of death certificate, original or attested copy of FIR or police report giving details of accident, original or attested copy of post mortem report along with FSL report if death is due to chemical analysis A copy of the Aadhar card of the cardholder and the nominee and a declaration form from the Jan Dhan card issuing banks with the authorized signatory will be required.
Settlement in 10 days
The claim of accident insurance coverage given under Jan Dhan account is settled within 10 days. Claims are settled within ten working days from the date of receipt of documents as per rules.
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