By Haryananewswire
CHANDIGARH, MARCH 29
The Haryana Government today decided to implement a new
Insurance Scheme known as Aam Aadmi Bima Yojana (AABY) to provide life insurance protection to the rural and urban
persons living below poverty line and marginally above the poverty line and
rural landless households.
A
decision to this effect was taken in a meeting of the State Cabinet held under
the Chairmanship of Chief Minister, Mr Bhupinder Singh Hooda here today. The
scheme would be implemented through
Life Insurance Corporation of India.
Under the Aam Aadmi Bima Yojana, which is a
scheme of the Central Government, death and disability cover would be provided
by the LIC of India to rural/urban families living below poverty line or
marginally above the poverty line and rural landless households. The Head of the
family or one earning member of the family in the age group of 18-59 years in
case of death or disability will be insured. The Central Government will bear
50 per cent of the premium of Rs.200 per year per person through Social
Security fund and the remaining 50 per cent would be paid by State Government.
To
be eligible for the scheme, the members should be aged between 18 to 59 years,
the member should normally be the
head of the family or one earning
member in the family of rural landless or rural or urban BPL or as defined by
the Government of India/ Haryana.
In
case of natural death of a member, prior to terminal date, on admission of
claim by the Corporation, the Sum Assured of Rs.30,000 under assurance, then in
force, shall become payable to the nominee.
In
case of accidental death or disability benefits, Rs 75,000 would be paid on
death due to accident and an equal amount in case of permanent total disability, due to accident. In
case of loss of two eyes or two limbs
or loss of one eye and one limb in an accident, Rs.75,000 would be given.
Similarly, in case of loss of one eye
or one limb, in an accident, Rs.37,500 would be given.
Death
or Total Permanent Disability due to Accident shall mean Death/Disability occurring within 180 days of the
happening of bodily injury, resulting
solely and directly from accident caused by violent, external and visible means, independently of any other cause
which have occurred after commencement of the Policy. However, death or total
permanent disability due to accident shall not include death or disability caused by intentional self-injury, suicide, or
attempted suicide, insanity or
immorality or whilst the member is under influence of intoxicating liquor, drug
or narcotic; or caused by injuries resulting from riots, civil commotion,
rebellion, war (whether war be declared or not), invasion, hunting,
mountaineering, steeple chasing or racing of any kind; or resulting from member committing any breach of law.
In respect of Physically Handicapped Persons the Accidental Cover would be
restricted to death and disablement, excluding the existing disablement.
Scholarship as a
free add-on benefit
Scholarship
as a Free Add-on benefit will be provided to a maximum of two children of the
insured member, studying between 9th to 12th Standard at a rate
of Rs.100 per month for each child payable half yearly that is on
July 1 and on January 1 each year, provided the insured member
continues to be covered under AABY. In
other words, the scheme must be renewed on each annual renewal date. A maximum of two half yearly
scholarships only for each standard
shall be paid. A child shall not be paid again for studying in the same standard.
On
the insured member reaching age of 60 years, the scholarship benefit under the
scheme will be discontinued from the half year following the insured member
reaching the terminal date that is insured member completing age of 60 years. On the death of the insured member before the
terminal date, his eligible children will continue to receive the scholarship
for that academic year only. On
the member sustaining total partial disability or total permanent disability,
the children will continue to get scholarship provided the member continues to
be in the scheme.
The Sub-Divisional Officer (Civil) concerned will be
the Nodal Officer for this
scheme and shall furnish to LIC all the relevant particulars of the members as
are required in connection with the administration of the scheme. The Nodal
Officer will be assisted by
District Social Welfare Officer and shall maintain a register and complete
details of members covered under the scheme and furnish to the Corporation all the relevant
particulars as may be called for by the Corporation.
All
the claim applications will be received in the office of the Sub-Divisional Officer (Civil) being Nodal
officer, who in turn would forward the same to Life Insurance Corporation of
India alongwith the documents like claim
form duly completed in all respects, copy
of death certificate duly attested.
In case of accidental death benefit claim cases
the additional requirements would include a copy of FIR, Post Mortem Report and
Police Inquest Report (panchanama). In case of claims due to snake bite and wild
animals, the additional
requirements included Medical
Certificate given by Assistant Civil Surgeon and Panchanama.
Death Claims should be preferred with the
Corporation within six months of the date of death of the insured member.
Claims delayed beyond six months will not be entertained by the Corporation.
In the event of death
of the Insured Member whilst being covered under the scheme, the benefits under
the Assurance on his life will be paid to the Nominee (through NEFT/ECS) by LIC
on receipt of complete claim papers as per requirement of LIC.
With
the implementation of Aam Aadmi Bima Yojana, the existing scheme namely Rajiv
Gandhi Pariwar Bima Yojana will thereafter cease to operate except for the payment
of an amount of Rs.25,000 to the family members of the victims of accidental
death (In addition to Rs.75,000 available under the Aam Aadmi Bima Yojana)
which will be paid by the department on the receipt of intimation from LIC for
settlement of claim.
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