The Aam Aadmi Bima Yojana (AABY) is a social security scheme for rural landless households implemented by the Ministry of Labour & Employment, Government of India. The scheme provides insurance coverage to the head of the household or an earning member of the family in the age group of 18 to 59.
The Aam Aadmi Bima Yojana (AABY) is a social security scheme for rural landless households implemented by the Ministry of Labour & Employment, Government of India. The scheme provides insurance coverage to the head of the household or an earning member of the family in the age group of 18 to 59.
The Aam Aadmi Bima Yojana (AABY) is a social security scheme launched by the Ministry of Labour & Employment, Government of India, and implemented through LIC. It provides death and disability coverage to members of 48 specific occupational/vocational groups, rural landless households, and unorganized workers. Beneficiaries aged 18–59 years pay subsidized annual premiums of ₹200 for insurance coverage. Additionally, scholarships are granted for children studying in grades 9–12, ensuring holistic family welfare.
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> Life Insurance Coverage:
Natural death: ₹30,000/-
Death due to accident: ₹75,000/-
> Disability Benefits:
Total permanent disability (loss of two eyes or two limbs) due to accident: ₹75,000/-
Partial permanent disability (loss of one eye or one limb) due to accident: ₹37,500/-
Scholarship:
Two children of the beneficiary studying between 9th to 12th Standard shall receive ₹100/- per month (for each child half yearly – on 1st July and on 1st January, each year).
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> Annual Premium Amount: ₹200/- per member.
Subsidy from Social Security Fund (SSF): 50% of the total premium (₹100/-) is subsidized by the Government of India through the Social Security Fund (SSF). - Premium Payment for Rural Landless Households (RLH): The remaining 50% of the premium (₹100/-) is paid by the respective State Government or Union Territory. - Premium Payment for Other Occupational Groups: The remaining 50% of the premium (₹100/-) is covered by a combination of contributions from the Nodal Agency, the Member, and/or the State Government/Union Territory.
Step 1: Offline — Step 1
The nominee of the deceased member submits a claim application to the designated official of the Nodal Agency along with the original death certificate and an attested copy.
Step 2: Offline — Step 2
The designated official verifies the submitted claim documents.
Step 3: Offline — Step 3
The Nodal Agency prepares a claim packet, including the completed claim form, the death certificate, and a certificate confirming the deceased was the head or earning member of a BPL or marginally above BPL family under eligible occupations.
Step 4: Offline — Step 4
The verified claim packet is forwarded to LIC for processing. > Accident Claim Procedure:
Step 1: Offline — Step 1
The nominee submits an application along with the Death Registration Certificate and additional documents, including the FIR, Post Mortem Report, Police Inquest Report, and Police Conclusion Report or Final Report.
Step 2: Offline — Step 2
The Nodal Agency verifies the documents and forwards the claim to LIC for further processing. > Scholarship Claim Procedure:
Step 1: Offline — Step 1
The member whose child is eligible for a scholarship fills out a scholarship application form twice a year and submits it to the Nodal Agency.
Step 2: Offline — Step 2
The Nodal Agency identifies the eligible students and prepares a list of beneficiaries.
Step 3: Offline — Step 3
The list, along with details such as the student’s name, school, class, member details, and NEFT information, is sent to LIC’s P&GS unit.
Step 4: Offline — Step 4
LIC disburses the scholarship amount directly to the beneficiary’s bank account through NEFT every half year on 1st July and 1st January. <br>
The "Aam Aadmi Bima Yojana (AABY)" is a social security scheme launched by the Government of India to provide life and disability insurance to members of identified occupational groups, rural landless households, and unorganized workers.
The scheme is implemented by the Life Insurance Corporation (LIC) of India through nodal agencies such as state governments, central ministries, or other institutional arrangements.
Beneficiaries must be between the ages of 18 and 59 years to be eligible for the scheme.
The head or earning member of a family below the poverty line (BPL) or marginally above the poverty line (APL) in identified occupational groups or rural landless households is eligible to apply.
In case of natural death, AABY provides an insurance cover of [?]30,000/- to the nominee of the deceased.
The scheme offers [?]75,000/- for total permanent disability and [?]37,500/- for partial permanent disability due to an accident.
Two children of the insured, studying in grades 9 to 12, are eligible for a scholarship of [?]100 per month, payable half-yearly.
Claims are processed by LIC and are directly transferred to the beneficiary's bank account via NEFT or other approved modes after verification by the nodal agency.
Accident claims require additional documents, including a copy of the FIR, Post Mortem Report, Police Inquest Report, and Police Final Report or Conclusion Report.
Scholarships are disbursed twice a year, on 1st July and 1st January, directly to the bank accounts of eligible students through NEFT.
Applications are accepted only on the official government portal.
Open Official Website"ARAVANAIPPU", a scheme by the Dept of Women and Child Development, Govt of Puducherry aims to improve the status of the girl child and provide nutritious food; financial assistance of ₹1200 is offered to lactating mothers. The girl child of the applicant should be born after 1-4-2005.
The "Aam Aadmi Bima Yojana" scheme is implemented by the Social Justice & Special Assistance Department, Government of Maharashtra. This Centrally Sponsored Scheme is aimed at providing insurance and scholarship benefits to landless labourers in rural areas, aged 18 to 59 years.
The scheme aims to provide financial relief to farmers whose agricultural land has been damaged due to natural disasters such as floods, landslides, avalanches, or river diversions. Under this scheme, a minimum of ₹5,000/- and a maximum of ₹47,000/- is provided to the beneficiaries.
"Ashraya Adhar Scheme" is introduced to provide financial assistance in the form of loans to the members of Scheduled Tribes for the purpose of repair, renovation/reconstruction of houses. The Goa State Scheduled Tribes Finance and Development Corporation has introduced this scheme.
The scheme "Aahar Anudan Yojana" provides monthly assistance of ₹1,000 to students, girls, and women from backward tribes like Baiga, Bharia, and Saharia. The scheme aims to combat malnutrition among special tribal families by ensuring access to nutritious food through financial assistance.
The scheme provides financial assistance of ₹5,000/- to NGOs for performing the last rites of any unclaimed or destitute person of any age/caste/class, who has died either naturally or due to an accident within Rajasthan or outside the state, provided that the cremation is conducted in Rajasthan.