Postal Life Insurance in hindi | डाक जीवन बीमा योजना | PLI Policy Eligibility & Benefits | Post office life insurance schemes
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In this video, we have given you details about post office life insurance schemes known as Postal life insurance or PLI. We have explained the benefits of PLI, eligibility of PLI, Postal life insurance returns and tax benefits that come with these policies.
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Postal Life Insurance (PLI) was introduced on 1st February, 1884. It started as a welfare scheme for the benefit of postal employees. It is the oldest life insurer in this country.
Over the years, PLI has grown substantially from a few hundred policies in 1884 to more than 46 Lacs policies as on 31.03.2017. It now covers employees of Central and State Governments, Central and State Public Sector Undertakings, Universities, Government aided Educational Institutions, Nationalized Banks, Local bodies, autonomous bodies, joint ventures having a minimum of 10% Govt./PSU stake, credit cooperative societies etc. PLI also extends insurance cover to the officers and staff of the Defence services and Paramilitary forces.
Apart from individual insurance policies, Directorate of Postal Life Insurance also manages a Group Insurance scheme for the Extra Departmental Employees i.e. Gramin Dak Sevaks(EDAGIS-1992 and GDSGIS-2010) of the Department of Posts.
Rural Postal Life Insurance (RPLI) started pursuant to the recommendation of the Official Committee for Reforms in the Insurance Sector (Malhotra Committee). The Committee had observed in 1993, that only 22% of the insurable population in this country had been insured and life insurance funds accounted for only 10% of the gross household savings. The Committee had observed:
Eligibility of Postal Life Insurance (PLI)
Employees of the following Organizations are eligible.
Central Government
Defence Services
Para Military forces
State Government
Local Bodies
Government-aided Educational Institutions
Reserve Bank of India
Public Sector Undertakings
Financial Institutions
Nationalized Banks
Autonomous Bodies
Extra Departmental Agents in Department of Posts
Employees Engaged/ Appointed on Contract basis by central/ State Government where the contract is extendable
Employees of all scheduled Commercial Banks
Employees of Credit Co-operative Societies and other Co-operative Societies registered with Government under the Co-operative Societies Act and partly or fully funded from the Central/ State Government/RBI/ SBI/ Nationalized Banks/ NABARD and other such institutions notified by Government
Employees of deemed Universities an educational institutes accredited by recognized bodies such a National Assessment and Accreditation council, All India Council of Technical Education, Medical council of India etc.
Employees (teaching/non-teaching staff) of all private educational institutions/schools/colleges etc. affiliated to recognized Boards (recognized by Centre/State Government) of Secondary/Senior Secondary education i.e. CBSE, ICSE, State Boards, Open School, etc.
Professionals such as Doctors (including Doctors pursuing Post Graduate degree courses through any Govt/Private Hospitals, Residents Doctors employed on contract/permanent basis in any Govt/Private Hospitals etc), Engineers (including Engineers pursuing Master’s/Post Graduate degree after having passed GATE entrance test), Management Consultants, Charted Accountants registered with Institute of Charted Accountants of India, Architects, Lawyers registered with Bar Council of India/States, Bankers working in Nationalised Banks and its Associate Banks, Foreign Banks, Regional Rural Banks, Scheduled Commercial Banks including Private Sector Banks etc.
Insurance Plans in PLI
PLI offers the following six types of policies:
Whole Life Assurance (Suraksha)
Endowment Assurance (Santosh)
Convertible Whole Life Assurance (Suvidha)
Anticipated Endowment Assurance (Sumangal)
Joint Life Assurance (Yugal Suraksha)
Children Policy (Bal Jeevan Bima)
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