Janashree Bima Yojana: Features, Benefits, Eligibility and Procedure Of Online Booking

Health Insurance

Mr Sharma is a plantation worker looking for a life insurance scheme at an affordable premium. However, as he belongs from a rural background, he prefers government-sponsored schemes that will meet his insurance requirements. 

In this context, individuals like Mr Sharma can consider applying for Janashree Bima Yojana (JBY) scheme.  Jointly launched by the Central Government and the Life Insurance Corporation, this scheme provides life insurance cover to rural and urban individuals below and marginally above the poverty line. 

Features of JBY Scheme

1. The scheme has replaced two previously prevalent systems: the Social Security Group Insurance Scheme (SSGIS) and Rural Group Life Insurance Scheme (RGLIS).
2. As the scheme targets the marginally above and below poverty line individuals, it comes with a low premium of Rs. 200 per member. 
3. The members of nodal agencies such as Self Help Groups (SHGs) and NGOs, or the State Government, bear 50% of the premium amount. The rest of the premium amount is paid from the Social Security Fund. 
4. The JBY scheme offers special benefits to female Self Help Group members by paying for their children’s education. Along with this, it comes with a term insurance cover of Rs. 30,000 on a premium of Rs.200 per year. 
5. It also offers a social security scheme known as Shiksha Sahyog Yojana, which covers children of parents under the Janashree Bima Yojana scheme. Under this social security scheme, students who are studying in class IX to XII and the ones pursuing Industrial Training Institute (ITI) courses are eligible for a scholarship of Rs. 600 paid every 6 months. Note that only 2 children can obtain coverage benefits under this plan. 

Also Read – https://navi.com/blog/chief-minister-comprehensive-health-insurance-scheme/ 

Benefits of Janashree Bima Yojana

• Beneficiaries receive Rs. 30,000 in case of natural death. 
• In the event of death or permanent total disability because of an accident, individuals can get compensation of up to Rs. 75,000 under this government scheme. 
• Some accidents can also result in partial disability of members. In such a case, they can get coverage of up to Rs. 37,500. 

Eligibility for JBY Application

1. Individuals between 18 to 59 years can apply for this scheme. 
2. Members of a nodal agency-approved vocational or occupation group are eligible under this scheme. 
3. Individuals from marginally above or below the poverty line are eligible under Janashree Bima Yojana. 
4. The minimum membership size should be 25. 

Groups Covered under Janashree Bima Yojana

There are 45 different categories of individuals who can apply for the JBY scheme. They are as follows:

• Brick kiln workers
• Plantation workers
• Agriculturists
• Beedi worker
• Anganwadi workers and helpers
• Carpenters
• Physically handicapped self-employed persons
• Powerloom workers
• Manufacturer of paper products
• Fishermen
• Rural poor
• Printing press workers
• Coconut processors
• Earthen toy manufacturers
• Papad workers attached to SEWA
• Construction workers
• Primary milk producers
• Workers in companies manufacturing chemical products like a candle
• Scheme for urban poor
• Workers in rubber and coal-producing companies
• Firecracker workers
• Workers in companies manufacturing food items, like khandsari/sugar
• Safai karamcharis
• Workers in salt producing companies
• Cobblers
• Toddy tappers
• Handloom weavers
• Hilly area women
• Handloom and khadi weavers
• Rickshaw pullers/auto drivers
• Textile
• Sericulture
• Hamals
• Forest workers
• Handicraft artisans
• Tendu leaf collectors
• Lady tailors
• Workers involved in the manufacture of leather products
• Kotwal
• Transport drivers’ association members
• Sheep breeders
• Women associated with SHG
• Transport karamcharis
• Workers involved in the manufacture of food products
• Leather tannery workers

Also Read – https://navi.com/blog/dr-ysr-aarogyasri-health-care-trust/ 

How to Place a Claim under Janashree Bima Yojana Scheme?

Beneficiaries can raise a claim by following the below-mentioned steps:

1. Visit the online site to download the claim form. 
2. You will find three parts in this form. Fill out part A accurately by entering details such as the name and address of the deceased member, membership number, name of a nominee, etc. 
3. The second part of the form that is part B, needs to be filled out by the nodal agency. 
4. Finally, there is a discharge receipt that is stamped and signed by the nodal agency. 

Apart from this, one can apply for this scheme by getting in touch with the nodal agency or the Self Help Group he or she is part of. Individuals can also visit the LIC office for a successful JBY application.

Alternatively, individuals can opt for Navi Health Insurance offered by Navi to avail comprehensive health coverage.  Applying for this insurance scheme is easy and hassle-free due to the insurer’s app-based features. Therefore, download the Navi App  and get your cashless claims approved within 20 minutes. 

Final Word

Since its launch date in 2000, the government-backed Janashree Bima Yojana scheme has been targeting India’s urban and rural communities with an objective to offer them life insurance cover. The aforementioned section shows that this scheme also provides financial assistance to women and children. Now that you know everything about this program, you can apply for the same effortlessly. 

Frequently Asked Questions

Is GST applicable to the Janashree Bima Yojana scheme?

No, the JBY scheme is exempted from GST because the government aims to improve participation under this scheme. As the scheme focuses on individuals below and marginally above the poverty line, GST might be a difficult concept to understand. 

What are the documents required for raising a claim against the JBY scheme?

Apart from the duly filled claim form, individuals must furnish the following documents during the claim procedure:

• Death certificate copy attested in original by the Nodal Agency in case of natural death. 
• Copy of FIR, post mortem report, and police inquest report in case of accidental death benefit claim. 
• Certificate of permanent disability, discharge receipt and FIR copy in case of an accidental disability claim. 

Is it right to say that the JBY scheme is a life insurance plan?

Besides covering the death of a policy member, the beneficiaries and nominees under this scheme also receive compensation in case of permanent or partial disability. Thus, the scheme extends benefits over and above an ordinary life insurance plan. 

What is the function of Nodal Agencies in reference to this scheme?

The Nodal Agencies certify the contents and endorse the claim cum discharge form with LIC-ID and policy number of members covered. After that, they forward the claim to the designated LIC unit. Additionally, they authenticate the bank account of a beneficiary in which the claim proceeds are credited. 

 Why is it essential for rural and urban workers to apply for this scheme?

The rural and urban workers below and marginally above the poverty line belong to the vulnerable part of society. They require financial assistance for daily expenses, which becomes difficult to arrange in case of sole bread earners’ sudden deaths or injuries. Therefore, government-sponsored schemes such as JBY extend a host of benefits that make it a desirable option. 

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Disclaimer: This article has been prepared on the basis of internal data, publicly available information and other sources believed to be reliable. The information contained in this article is for general purposes only and not a complete disclosure of every material fact. It should not be construed as investment advice to any party. The article does not warrant the completeness or accuracy of the information, and disclaims all liabilities, losses and damages arising out of the use of this information. Readers shall be fully liable/responsible for any decision taken on the basis of this article.