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

Eligibility Criteria

1. Age Range – Khadi Karigar Janashree Bima Yojana is available to artisans engaged in the Khadi industry who are aged between 18 and 59 years.
2. 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

1. 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.
2. Natural Death Coverage – The insurance policy offers coverage in case of the natural death of the artisan.
3. 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

1. Financial Security – The scheme aims to provide financial security to artisans and their families.
2. 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

1. Scholarship for Children – The scheme includes a scholarship program that allows the enrolled artisans’ children to avail financial support for their education
2. Medical Assistance  – Some policies under the scheme may also offer medical assistance in case of accidents.
3. 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.
4. 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:

1. 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.
2. Step 2: If the death happened because of an accident, remember to include the police enquiry report when you submit your application.
3. 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.
4. 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 

1. 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.
2. Document Submission – Submit the necessary documents such as the death certificate, disability certificate, or any other relevant documents.
3. Verification by Insurance Company – The insurance company will verify the claim and the documents submitted.
4. 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

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