Friends, the government has implemented another new scheme for all citizens of our country, this Aam Aadmi Bima Yojana will be implemented in the country by LIC and the state government.
Unorganized sector workers account for about 93% of the total workforce in the country. The government is implementing some social security measures for some business groups but coverage is minimal. Most workers are still without any social security coverage. Recognizing the need to provide social security to these workers, Union Govt. For Aam Aadmi Bima Yojana. Has introduced a bill in Parliament.
A major insecurity for workers in the unorganized sector is that there are frequent incidences of illness for medical care and hospitalization of such workers and their family members. Despite the expansion in Health Services, the disease remains one of the most prevalent causes of human deprivation in India. It has been clearly recognized that health insurance is a way to provide protection to poor families from the risk of health spending in poverty.
However, most efforts to provide health insurance in the past have encountered difficulties in both design and implementation. The poor are unable or unwilling to seek health insurance due to their cost, or lack of perceived benefits. Organizing and administering health insurance, especially in rural areas, is also difficult.
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Salient Features Of The Aam Aadmi Bima Scheme
This Aam Aadmi Bima Yojana focuses on changing the topography of the Indian economy. The primary objective of this scheme is to provide social security and financial assistance to the people of rural India.
The scheme not only includes those who are classified as below the poverty line, as those places with no other access to urban hospitals, such as large hospitals or good pharmacies, are also included. In addition, the scheme has been extended to those who have been held back due to a lack of proper assistance, including among the nurtured middle-class citizens of India
Benefits of the scheme.
If the person died naturally, an amount of Rs 30,000 will be provided to the nominee or family member of the policy holder. And if the person has died due to an accident or is permanently incapacitated in the accident, the nominee or the policyholder’s family member will be given Rs 75,000.
If the person is found in an accident with permanent partial disability, resulting in loss of eye or limb or any other accident; Rs 37,500 will be given to a nominee or a member of the policyholder’s family.
- Members must be between 18 years of age and approximately 59 years of birthday.
- The member should normally be the head of the family or an earning member of the Below Poverty Line Family (BPL) or slightly above the poverty line under the identified occupational group / rural landless family.
- The applicant can be one of the earning members of the family which is classified under the Below Poverty Line (BPL).
- An applicant may be above the poverty line but should be identified under the occupational group / rural landless family.
“Nodal Agency” under Aam Aadmi Bima Yojana will be appointed by the Central Ministries Department / State Government / Union Territory of India / any other institutional arrangement / any registered non-government organization to conduct the scheme as per rules. In the case of “rural landless families”, the nodal agency shall mean the State Government / Union Territory appointed to operate the scheme.
Initially, the premium charged under Aam Aadmi Bima Yojana will be Rs. 200 / – per member for a cover of Rs. 30,000 / – per annum, 50% of which will be subsidized from the Social Security Fund. The remaining 50% of the premium of rural landless household (RLH) carries the stat. / union govt. The remaining 50% of the premium will be borne by the nodal agency and member or state in case of other business groups. Government / Union Territory
Scheme Claim Procedure
If you are thinking of applying online in this aam aadmi bima yojana, then let us tell you that at present, there is no procedure available to apply online in this scheme. You can avail the scheme through the process mentioned below. Can
The scheme is based on the nodal agency model. A nodal agency may be a panchayat, NGO, self-help group or any other institutional arrangement. So if you want to become a partner of this scheme then you can get advice from the nearest nodal agency or you can contact your nearest LIC branch office
The benefit of death or disability claims under the scheme will be credited directly to the bank accounts of the former beneficiaries with direct competence in such cases by direct payment to the beneficiaries through NEFT by LIC’s P & GS unit or where NEFT facility is not available. Authorization can be paid by A / C payee check or any other mode decided by the claim LIC.
In the event of the member’s death during the period of coverage and after the policy comes into force, his / her nominee will have to make an application with the Death Certificate for payment of the claim amount to the designated officer of the nodal agency.
Scheme Death Claim Procedure
- The application form will be submitted to the nodal agency officer along with the death certificate.
- The nominated officers of the concerned nodal agency will verify the claim letters.
- The officer will submit the papers, including the application, death certificate, whether the beneficiary is marginalized above the BPL or BPL family and a statement on whether they are associated with the business group.
- Finally, the nodal agency will duly verify a copy with the original certificate.
Claim Procedure for Scholarship
The member whose child is eligible for the scholarship will fill the half-yearly application form and submit it to the nodal agency. The nodal agency will identify the students.
In return the nodal agency will submit the list of beneficiary students to the concerned P&GS unit with complete information such as student name, school name, class, member name, master policy number, membership number and NEFT details for direct payment.
Every half-year, for July 1 and January 1, each year LIC will credit the scholarship payment by NEFT to the beneficiary student’s account.
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