Aam Admi Bima Yojana

Aam Admi Bima Yojana

Aam Admi Bima Yojana

Ministry of Finance, Government of India has approved the merger of Social Security Schemes viz., Aam Admi Bima Yojana (AABY) and Janashree Bima Yojana (JBY).

The merged scheme is renamed “Aam Admi Bima Yojana” and has come into existence from 01.01.2016.

Details of the Scheme:

Eligibility criteria:

 The age of the member should be between 18 years completed and 59 years nearer birthday.

 The scheme 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.

Nodal Agency:

“Nodal Agency” shall mean the Central Ministerial Department/State Government / Union Territory of India/any other institutionalized arrangement/any registered NGO appointed to administer the Scheme as per the rules. In the case of “Rural Landless Households”, the nodal agency will intend the State Government/Union Territory appointed to administer the Scheme.

Age Proof:

I. Ration Card

II. Extract from Birth Register

III. Extract from School Certificate

IV. Voter’s List

V. Identity card issued by reputed employer/Government Department.

VI. Unique Identification Card (Aadhar Card)


Initial scheme:

The premium will be charged Rs. 200 /- per annum per member for a cover of Rs.30, 000/-, out of which   50% will be subsidized from the Social Security Fund.

Rural case:

Remaining 50 % premium shall be borne by the State Government/ Union Territory in case of Rural Landless Household (RLH)  and in case of other occupational group the remaining 50% premium shall be borne by the Nodal Agency and/or Member and/or State Government/ Union Territory

Natural death:

During the period of insurance cover the Sum Assured of Rs.30,000/- under assurance, in force, shall become payable to the nominee Upon death of a member.

Accidental death / Disability benefits

The following benefits are provided to members in case of accident, during the time of insurance cover

a) On death, due to accident-75,000/-

b) Permanent Total Disability, due to accident-75,000/-

I. Loss of 2 eyes or 2 limbs OR

II. Loss of one eye & one limb, in an accident

c) Loss of one eye or one limb, in an accident-37,000/-

Scholarship benefits:

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 –  each year on 1st July and on 1st January.

Claim Procedure

The claim procedure for death or disability claims under the scheme will be settled by the P&GS Unit of LIC by making direct payment to the beneficiaries through NEFT or where there is no NEFT facility available then in such cases directly to the bank account of beneficiaries with prior approval from Competent authority the A/C payee cheque or claim can be paid by any other mode as decided by LIC.

On death of the member during the period of coverage and while the policy is in force, his/her nominee will have to make an application along with Death Certificate for payment of claim amount to the assigned official of the Nodal Agency.

The assigned official of the Nodal Agency shall verify the claim papers and submit the same along with the death certificate and a certificate that the deceased member was head /earning member of the family belonging to the BPL/Marginally above BPL family under the eligible occupations under the scheme.

Nodal Agency should submit along with the application, the following necessary documents:

 Complete Claim Form.

 Duly attested copy of Original death certificate.

The following supplementary requirements will have to be submitted along with the Death Registration Certificate in case of accident benefit claim:

 Copy of FIR

 Post Mortem Report

 Police Inquest Report

 Police Conclusion Report / Final Report of Police


Ask our Counsellors


0 # Himmat 2017-04-20
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0 # Dr. Naresh 2017-04-21
veneral diseases are those which can be spread through sexual contact, The spreading agents can bacteria ,viruses etc, The examples are syphilis and gonorrhoea can be can spread by sexual contact, you can also find list of Gynecologist in Cachar.
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