“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 mean the State Government/Union Territory appointed to administer the Scheme.
The premium to be charged initially under the scheme will be 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 . In case of Rural Landless Household (RLH) remaining 50 % premium shall be borne by the State Government/ Union Territory 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
Upon death of a member, during the period of insurance cover the Sum Assured of Rs.30,000/- under assurance, then in force, shall become payable to the nominee.
Accidental death / Disability benefits
The following benefits are provided to members in case of accident, during the period 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||37,500/-|
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 – on 1st July and on 1st January, each year.
The 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.
In the event of 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 designated official of the Nodal Agency.
The designated 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 requirements:
In case of accident benefit claim the following additional requirements will have to be submitted along with the Death Registration Certificate:
Copy of FIR
Post Mortem Report
Police Inquest Report
Police Conclusion Report / Final Report of Police.
Occupations / Vocations covered
|1||Beedi Workers||25||Food Stuffs like Khandsari / Sugar|
|2||Brick Kiln Workers||26||Textile|
|3||Carpenters||27||Manufacture of Wood Products|
|4||Cobblers||28||Manufacture of Paper Products|
|5||Fishermen||29||Manufacture of Leather Products|
|7||Handicraft Artisans||31||Rubber & Coal Products|
|8||Handloom Weavers||32||Chemical Products like candle manufacture|
|9||Handloom & Khadi Weavers||33||Mineral products like earthen toys manufacture|
|11||Leather & Tannery Workers||35||Transport Drivers Association|
|12||Papad Workers attached to ‘SEWA’||36||Transport Karmacharis|
|13||Physically Handicapped Self Employed Persons||37||Rural Poor|
|14||Primary Milk Producers||38||Construction Workers|
|15||Rickshaw Pullers / Auto Drivers||39||Fire Crackers’ Workers|
|16||Safai Karamacharis||40||Coconut Processors|
|17||Salt Growers||41||Aanganwadi Teachers|
|18||Tendu Leaf Collectors||42||Kotwal|
|19||Scheme for the Urban Poor||43||Plantation Workers|
|20||Forest Workers||44||Women Associated with Self-Help Groups|
|22||Toddy Tappers||46||Overseas Indian Workers|
|23||Powerloom Workers||47*||Rural Landless Households|
|24||Hilly Area Women||48||Unorganized workers covered under RSBY|
Source: Financial Services, Government of India