Aam Aadmi Bima Yojna, its objective, benefits, eligibility criteria and documents required:

Aam Aadmi Bima Yojna, its objective, benefits, eligibility criteria and documents required:

The workers in the unorganized sector constitute about 93% of the total work force in the country. The Government has been implementing some social security measures for certain occupational groups but the coverage is miniscule. Majority of the workers are still without any social security coverage. Recognizing the need for providing social security to these workers, the Central Government has introduced a Bill in the Parliament.

One of the major insecurities for workers in the unorganized sector is the frequent incidences of illness and need for medical care and hospitalization of such workers and their family members. Despite the expansion in the health facilities, illness remains one of the most prevalent causes of human deprivation in India. It has been clearly recognized that health insurance is one way of providing protection to poor households against the risk of health spending leading to poverty. However, most efforts to provide health insurance in the past have faced difficulties in both design and implementation. The poor are unable or unwilling to take up health insurance because of its cost, or lack of perceived benefits. Organizing and administering health insurance, especially in rural areas, is also difficult.

Objectives

Aam Aadmi Bima Yojana (AABY) Scheme introduced by the Govt. of India to extend death and disability insurance cover to rural landless houseless of J&K State through Life Insurance corporation of India (LIC).

Benefits

• Natural Death Rs. 30000/-
• Accidental Death Rs. 75000/-
• Partial Disability due to accident Rs. 37000/-
• Permanent Disability Rs. 75000/-
• Two children of insured beneficiaries studying from class 9th to 12th will get Rs. 100/- PM per students as scholarship.
• Rs. 200/- per annum per member out of which 50 % will be borne by the State and the remaining 50 % by the Govt. of India.

Eligibility Criteria

The member should be aged between 18 years and 59 years

The member should normally be the head of family or one earning members in the family of a rural land less house holders.

Documents Required

• Ration card
• Age proof certificate
• Voters list
• Identity card
• How To Apply
• Application shall be made prescribed form Aam Admi Bima Yojna.

Whom To Contact

Distt. Social Welfare Officer