Home - Group Scheme - AAM ADMI BIMA YOJANA
 


i)    NATURAL DEATH

             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.  


      ii)    ACCIDENTAL DEATH / DISBILITY BENEFITS

 The following benefits are provided to members in case of accident, during the period of insurance cover
a)     On death, due to accident                                             Rs.75,000/-
b)     Permanent Total Disability, due to accident                    Rs.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                    Rs.37,500/-


 iii)  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 – on 1st July and on 1st January, each year.


6. Claim Procedure:

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:    

a) Claim Form duly completed in all respects                                                                      
b) Original death certificate along with a copy duly attested.
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. 


7. Permanent Total Disability Benefit:

The claimant has to submit documentary evidence of the accident, as also the Medical certificate from a Government Civil Surgeon or qualified Government Orthopaedician certifying permanent total/ partial disability due to accident, stating loss of limb/s of the member covered under the scheme.       

Every member shall appoint a nominee to receive the claim amount after his death. Nomination form is a part of the membership application form and it should include particulars of the nominee to receive the claim amount. It should be ensured that this procedure is followed without fail so that there is no difficulty at the time of settlement of death claims. The Nomination form will be kept in the custody of the Panchayat/ Nodal Agency and shall be forwarded to LIC along with the claim papers on the death of the member.


8. Claim Procedure for Scholarships :

  1. The member whose child is eligible for scholarship shall fill up an application form half yearly and submit it to the Nodal Agency.  The Nodal Agency will identify the students.
  2. The Nodal Agency in turn will submit the list of beneficiary students to the concerned P&GS unit with full details such as name of the student, school’s name, class, member’s name, master policy no., membership no. and NEFT details for direct payment.
  3. Every half year, for 1st July and 1st January, each year LIC will credit the scholarship payment to the Account of the beneficiary student, by NEFT. 
  4. Any other mode of payment of scholarships as decided by LIC/Government may be applicable in future.

 


OCCUPATIONS/ VOCATIONS COVERED UNDER
AAM AADMI BIMA YOJANA


Sr.No.

Occupation

Sr.No.

Occupation

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

6

Hamals

30

Printing

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

10

Lady Tailors        

34

Agriculturists 

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

21

Sericulture

45

Sheep Breeders

22

Toddy Tappers                 

46

Overseas Indian Workers

23

Powerloom Workers         

47*

Rural Landless Households

24

Hilly Area Women

48

Unorganized workers covered under RSBY

* 50% of the premium to be met by the State Govt            

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