The government has intensified measures to increase enrolment and ensure timely disbursement of benefits under the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Parliament was informed.

Minister of State for Finance Pankaj Chaudhary, in a written reply in the Lok Sabha, said that a total of 26.79 crore beneficiaries have been covered under the scheme over the last five years, with 12.55 crore active policies as of February 18, 2026.

The claim settlement ratio under PMJJBY stands at an impressive 99.95% since inception. According to the Insurance Regulatory and Development Authority of India (IRDAI), the average claim settlement time among insurers ranges from 0.61 days to 17 days.

During the past five years, 10.75 lakh claims were filed under the scheme, of which 10.41 lakh were settled and 32,893 were rejected, maintaining a high settlement ratio of 99.95%.

To expand coverage, reduce policy lapses and ensure quicker benefit disbursal, the Department of Financial Services issues annual action plans ahead of policy renewal cycles. The latest plan was released on May 13, 2025, for implementation by banks, post offices and insurance companies.

Large-scale awareness campaigns have also been conducted at the grassroots level with support from banks and local administrations to promote enrolment in PMJJBY and allied social security schemes.

A four-month Financial Inclusion Saturation Campaign was recently carried out across 2.70 lakh gram panchayats and urban local bodies between July 1 and October 31, 2025. Special enrolment camps organised by banks enabled residents to access information, complete formalities and enrol on the spot, particularly improving participation in rural areas.

Additionally, a network of nearly 16 lakh Banking Correspondents, acting as last-mile service providers, has been mobilised to facilitate enrolments under social security schemes.

The government has also launched the Jansuraksha Portal to provide end-to-end digital services, enabling seamless enrolment and faster claim settlements under PMJJBY and other schemes. The portal currently integrates 12 public sector banks, 28 regional rural banks and 13 insurance companies. It also hosts detailed information, enrolment forms, rules and FAQs in multiple languages to enhance awareness and accessibility.