Post Office Bal Jeevan Bima (Child Life Insurance): All parents are concerned about securing their child’s future. To this end, many begin saving as soon as their child is born. If you are considering an insurance scheme to safeguard your child’s future, the Post Office’s ‘Bal Jeevan Bima’ (Child Life Insurance) can be a helpful option.
This post office scheme is part of the Postal Life Insurance (PLI) and Rural Postal Life Insurance (RPLI) programmes. Through this policy, parents can secure coverage in their child’s name. Notably, the rules for this scheme were updated this year; under these new provisions, it is mandatory for at least one of the child’s parents to hold an active PLI or RPLI policy. The scheme offers a range of benefits.
What is the Bal Jeevan Bima scheme?
This is a specialised scheme offered by the Post Office, which is designed to secure the future of children. Parents can obtain a policy under this scheme in their child’s name. Upon completion of the policy tenure, the sum assured (insurance amount), along with any accumulated bonuses, is paid out. A key feature of this scheme is that if both parents pass away during the policy term, the premium payments may be waived.
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With Bal Jeevan Bima, a special Children’s Policy under Postal Life Insurance (PLI), parents can take a step towards securing their child’s future with the assurance of life insurance protection.
Because securing their tomorrow begins with a step today.
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“>November 1, 2026
What are the eligibility criteria for the Bal Jeevan Bima scheme?
To enrol a child in this scheme, certain eligibility criteria must be met. The child must be aged 5 to 20, and the parents must be no older than 45. Coverage can be obtained for a maximum of two children. No medical examination is required for the child to qualify for this policy.
What is the insurance coverage amount?
Under the Bal Jeevan Bima scheme, a fixed sum assured can be selected for the child. The limits differ between the PLI and RPLI categories. For PLI, the sum assured can range from a minimum of ₹20,000 to a maximum of ₹3 lakh. Under the RPLI (Rural Postal Life Insurance) scheme, a sum of up to ₹1 lakh can be obtained.
This scheme offers a bonus in addition to the insured amount.
Premiums paid under the child insurance plan may qualify for tax benefits under Section 80C of the Income Tax Act. However, this exemption is subject to the prevailing tax regime and specific terms and conditions.
Where to avail of the child life insurance scheme
If you are considering purchasing a policy for your child, you can visit your nearest India Post office to obtain further information. You will be provided with details regarding eligibility, premiums, required documentation, and the application process.