<h1>PMJDY insurance eligibility: RuPay card use and account criteria determine accidental and life cover availability for holders.</h1> Clarifications define that existing bank account holders need not open separate PMJDY accounts but must obtain a RuPay card on their account to access accidental insurance and potential overdraft. Accidental insurance applies to RuPay card holders aged 18-70 subject to card use within 45 days and claim notice within 30 days. Life insurance is limited to first time account openers with RuPay in the promotional period, restricted to one eligible family member aged 18-59, payable to nominees upon submission of documents, with exclusions for government employees, ITR filers/TDS deductees and those covered under Aam Aadmi Bima Yojana.