Preamble: - Do you think people living below
poverty in India have knowledge of social security scheme? You can never thought
even imagine; only few of them are know about social security scheme which is related
to them. If you agree with above sentence, please share below information
amongst those who are living in below poverty. So that they will able to
understand benefits related to them. I am here writing about one social
security scheme run by Life Insurance Corporation of India with the support of
Government of India which is for poor people. Aam Admi Bima Yojna is really for
Am aadmi. It is Group Social Security Scheme.
Who can join this scheme: - 1. The member should be aged between 18
years to 59 years can join this scheme and 2. The member should normally be the
head of the family or one earning member of the below poverty line family (BPL)
or marginally above the poverty line under identified vocational group/rural
landless household.
How to join the Scheme: - Eligible person can take
this scheme only through Nodal Agency. Nodal Agency can be central ministerial
department, state government and registered NGO. In the case of Rural Landless
Households the nodal Agency for them is State Government/Union Territory
appointed to administer the scheme.
What is requirement: - If you are eligible for this scheme, you
need to submit age proof documents i.e. Ration Card or Copy of Birth Registered
or Copy of School Certificate or Copy of Voter ID card or Copy of Identity card
issued by reputed employer/Government Department or Copy of Adhar Card. You
must have any one of the above to participate in the scheme.
Premium: - It is a social security scheme and run
with the support of central government and state government and implemented trough
nodal agency by LIC. Premium under the scheme per member is ` 200/- annually. Its cover ` 30000/-. 50% of premium
subsidised from the government from their Social Security fund and 50% premium
shall be borne by the Nodal Agency and/or Member and/or State Government/ Union
Territory. In the case of Rural Landless household remaining 50% premium borne
by state government that mean no premium charge from rural landless household
and other occupational group.
Advantages under the Scheme:
- I- on natural Death -unfortunate
death of the member, during the period of insurance cover the Sum Assured of ` 30,000/- under assurance, then in force, shall become payable to the nominee/legal
heirs. II- On Accidental Death/Disability - ` 75000 to be paid, on
accidental death, on Permanent Total Disability, due to accident (Loss
of 2 eyes or 2 limbs OR Loss of one eye & one limb, in an accident)
` 75000 to be paid, and Loss of one eye
or one limb, in an accident ` 37,500/- to be paid.
III- Scholarship - Scholarship as a Free Add-on benefit will be provided to a
maximum of two children of the beneficiary studying between 9th to 12th
Standard @ Rs.100/= per month for each child payable half yearly – on 1st July
and on 1st January, each year.
Occupation wise eligible persons:- The following occupation person automatically
eligible for this scheme.
|
Sr.No. |
Occupation
|
Sr.No.
|
Occupation
|
|
|
1
|
Beedi Workers
|
25
|
Food Stuffs like
Khandsari / Sugar
|
|
|
2
|
Brick Kiln Workers
|
26
|
Textile
|
|
|
3
|
Carpenters
|
27
|
Manufacture of Wood
Products
|
|
|
4
|
Cobblers
|
28
|
Manufacture of Paper
Products
|
|
|
5
|
Fishermen
|
29
|
Manufacture of Leather
Products
|
|
|
6
|
Hamals
|
30
|
Printing
|
|
|
7
|
Handicraft Artisans
|
31
|
Rubber & Coal Products
|
|
|
8
|
Handloom Weavers
|
32
|
Chemical Products like
candle manufacture
|
|
|
9
|
Handloom & Khadi
Weavers
|
33
|
Mineral products like
earthen toys manufacture
|
|
|
10
|
Lady Tailors
|
34
|
Agriculturists
|
|
|
11
|
Leather & Tannery
Workers
|
35
|
Transport Drivers
Association
|
|
|
12
|
Papad Workers attached to
‘SEWA’
|
36
|
Transport Karmacharis
|
|
|
13
|
Physically Handicapped
Self Employed Persons
|
37
|
Rural Poor
|
|
|
14
|
Primary Milk Producers
|
38
|
Construction
Workers
|
|
|
15
|
Rickshaw Pullers / Auto
Drivers
|
39
|
Fire Crackers’ Workers
|
|
|
16
|
Safai Karamacharis
|
40
|
Coconut Processors
|
|
|
17
|
Salt Growers
|
41
|
Aanganwadi Teachers
|
|
|
18
|
Tendu Leaf
Collectors
|
42
|
Kotwal
|
|
|
19
|
Scheme for the Urban Poor
|
43
|
Plantation Workers
|
|
|
20
|
Forest Workers
|
44
|
Women Associated with
Self-Help Groups
|
|
|
21
|
Sericulture
|
45
|
Sheep Breeders
|
|
|
22
|
Toddy Tappers
|
46
|
Overseas Indian Workers
|
|
|
23
|
Power loom Workers
|
47*
|
Rural Landless Households
|
|
|
24
|
Hilly Area Women
|
48
|
Unorganized workers
covered under RSBY
|
Attraction under the Scheme: premium subsidized by Government of
India. For more information you can contact nearest LIC Agent or LIC Branch
office. It is a Group Insurance Plan under social security scheme. Please spread
this information to all concern people. Spreading the information is also
making India progressive and development.
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