Step-by-step guide for nominees: Submit death certificate, police report for accidents, and follow LIC's claim process for settlement.
Introduction
The Indian government and LIC developed the Khadi Karigar Janashree Bima Yojana programme to provide life insurance to Khadi craftsmen. It covers normal death, accidental death, and incapacity, with the government and Social Security Fund sharing the insurance premium cost
Overview of Khadi Karigar Janashree Bima Yojana
| Information | Details |
| Scheme Name | Khadi Karigar Janashree Bima Yojana |
| Objective | Provide insurance coverage to Khadi artisans and their families |
| Implementing Agency | Khadi and Village Industries Commission (KVIC) |
| Insurance Coverage | Life insurance and accidental insurance benefits |
| Eligibility Criteria | Khadi artisans and their family members |
| Insurance Premium | Fully subsidised by the government |
| Enrollment Process | Online/offline registration through KVIC or Khadi institutions |
| Claim Process | The nominee or legal heir can submit a claim with the necessary documents |
| Claim Settlement | Claims settled by the insurance company within a specified time period |
| Policy Period | Renewable on an annual basis |
| Grievance Redressal | Grievances addressed by the concerned insurance company or KVIC |
| Benefits | Financial security, compensation in case of loss or disability |
| Additional Support | Skill development programs, marketing assistance, and other welfare schemes for artisans |
Eligibility Criteria
Age Range
Khadi Karigar Janashree Bima Yojana is available to artisans engaged in the Khadi industry who are aged between 18 and 59 years.
Membership with Khadi Institutions
To be eligible, artisans must be members of a Khadi institution recognised by the Khadi and Village Industries Commission (KVIC).
Features of the Insurance Coverage
Sum Assured
The scheme provides a sum assured which can be used to provide financial support in case of natural or accidental death, and partial or permanent disability.
Natural Death Coverage
The insurance policy offers coverage in case of the natural death of the artisan.
Accidental Death and Disability Coverage
In case of accidental death or disability, the policy provides a higher amount compared to natural death.
Objective and Benefits of Khadi Karigar Janashree Bima Yojana
Financial Security
The scheme aims to provide financial security to artisans and their families.
Promoting Khadi Industry
By providing insurance to the artisans, it helps in promoting the Khadi industry as it becomes a more attractive livelihood.
Social Security Net
The scheme serves as a social security net for the economically weaker sections involved in the Khadi industry.
Additional Benefits
Scholarship for Children
The scheme includes a scholarship program that allows the enrolled artisans’ children to avail financial support for their education
Medical Assistance
Some policies under the scheme may also offer medical assistance in case of accidents.
Premium Contribution Shared Premium
The premium for the Khadi Karigar Janashree Bima Yojana is shared. The Khadi and Village Industries Commission (KVIC), the Government, and the artisan contribute to the premium.
Subsidised Rates for Artisans
The artisans are required to pay a minimal amount, making the insurance affordable for them.
Documents Required For Application in Khadi Karigar Janashree Bima Yojana
- Proof of Age
- Proof of Income (Income Certificate)
- Proof of Occupation
- Aadhaar
- Bank Details (Aadhaar Seeded)
- Death Certificate / Certificate of Disability (case specific)
Application Process for Khadi Karigar Janashree Bima Yojana
So, if you’re the nominee of someone who has passed away, here’s what you need to do:
Step 1: Get the original death certificate of the deceased person and take it to the Pension Group Schemes Department of LIC of India. You’ll need to go through the Khadi Institution associated with the deceased’s membership.
Step 2: If the death happened because of an accident, remember to include the police enquiry report when you submit your application.
Step 3: The agency will then send all the documents, along with the claim records, to the LIC branch that dealt with the deceased person’s insurance.
Step 4: After that, the Life Insurance Corporation will take care of settling the claims. They’ll send a check directly to you, the beneficiary. Just make sure to inform the State Government about this process.
Claim Procedure
Inform the Insurance Company
In case of an event (death/disability) covered by the insurance, the family must inform the insurance company as soon as possible.
Document Submission
Submit the necessary documents such as the death certificate, disability certificate, or any other relevant documents.
Verification by Insurance Company
The insurance company will verify the claim and the documents submitted.
Claim Settlement
Upon successful verification, the insurance company will settle the claim by providing the sum assured to the nominee or the artisan in case of disability.
By protecting the artisans engaged in the Khadi industry, the Khadi Karigar Janashree Bima Yojana plays a significant role in ensuring their well-being and promoting the traditional art forms associated with Khadi.
FAQs
When was Janashree Bima Yojana started?
Janashree Bima Yojana was started in the year 2000.
What is Jan Shree Bima Yojana?
Jan Shree Bima Yojana is a government-sponsored group insurance scheme for the rural poor.
When will you get Jeevan Jyoti Bima's money?
In case of a claim, the Jeevan Jyoti Bima money will be provided to the nominee or legal heir of the insured person.
How much insurance is there in Pradhan Mantri Jan Swasthya Yojana?
The Pradhan Mantri Jan Swasthya Yojana does not provide insurance coverage. It is a health insurance scheme that offers financial protection for medical expenses up to ₹5 lakhs per family per year.
Is Janashree Bima Yojana a life insurance scheme?
Yes, Janashree Bima Yojana is a life insurance scheme designed to provide coverage to individuals belonging to below poverty line (BPL) households.
What defines Permanent Disability as per this scheme?
Permanent Disability under the Khadi Karigar Janashree Bima Yojana is defined as the loss of two eyes or two limbs.
What is the Maximum Financial Assistance Provided for Death Due to Natural Causes?
A sum of ₹ 20,000 is extended as financial aid in the event of a demise due to natural causes.
Are there any benefits for the children of the applicant?
The program offers insurance coverage for regular and accidental fatalities, as well as complete or partial disability of the insured artisan. Additionally, scholarships are granted to the children of the policyholder who are in grades 9 through 12.
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