Earlier people used to get less accidental cover under this account. At the same time, account holders who opened the account after August 28, 2018, have started getting accidental insurance cover of Rs 2 lakh.
PM Jan-Dhan Account: Do you have Jan Dhan account in any bank? If not, then what do you want to open, Jan Dhan account? If yes, then you will get the benefit of Rs 2.30 lakh. Under the Pradhan Mantri Jan Dhan Yojana- PMJDY, you are given many types of financial assistance. Not only this, you are given accidental cover without paying any premium.
In the account opened under the Pradhan Mantri Jan Dhan Yojana, a total benefit of Rs 2.30 lakh is given to the account holder. Accidental insurance cover is also given in this. Under this, the account holder is given accident insurance of Rs 1,00,000 along with general insurance of Rs 30,000. In such a situation, if the account holder has an accident, then Rs 30,000 is given. If the account holder dies in this accident, then one lakh rupees are given, that is, a total benefit of Rs 2.30 lakh is available.
Insurance cover extended in 2018
Earlier people used to get less accidental cover under this account. Those who have opened Jan Dhan accounts on or before August 28 are getting an accidental cover of Rs 1 lakh. At the same time, account holders who opened the account after August 28, 2018, have started getting accidental insurance cover of Rs 2 lakh.
One of the ambitious plans of PM Modi
Pradhan Mantri Jan-Dhan Yojana (PMJDY) is one of the ambitious schemes of the Narendra Modi government at the Centre. Under this, every citizen has access to banking/savings and deposit accounts, remittances, loans, insurance, pension. This account can be opened at any bank branch or Business Correspondent (Bank Mitra) outlet. PMJDY accounts are being opened with zero balance.
How to open Jan Dhan account?
Any citizen residing in India can open Jan Dhan account. His age should be 10 years or more. Under the Pradhan Mantri Jan Dhan Yojana, the account is opened more in public sector banks. But, if you want, you can also open your Jan Dhan account in a private bank. If you already have another savings account, then you can also convert it into Jan Dhan account.
If you want to open your new Jan Dhan account, then you can open the account by visiting your nearest bank branch. You will have to fill the prescribed form for this by visiting the nearest bank branch. In the form, you have to give your name, mobile number, address, occupation / employment, annual income, number of dependents, nominee etc.
Important things to open Jan Dhan account
- Any person of the age of 10 years or above can open this account.
- Documents fulfilling the requirement of KYC can be submitted including Aadhar card, passport, driving license.
- If you do not have the documents, you can open a small account.
- In this, you have to fill the self-attested photograph and your signature in front of the bank officer.
- You do not have to pay any kind of fee or charge to open a Jan Dhan account.
Jan Dhan account has many benefits
- Accidental insurance cover up to Rs 2 lakh
- Overdraft facility after 6 months
- Free Mobile Banking, Interest on Deposits
- RuPay Debit Card, through which you can withdraw money and shop.
- The direct money of the benefits of government schemes comes into the account.
- You can transfer money across the country.
- It is easy to buy insurance and pension products through Jan Dhan account.
