Sarkari Yojana
Aam Aadmi Bima Yojana
About Aam Aadmi Bima Yojana
Aam Aadmi Bima Yojana (AABY) is a social-security scheme from the Ministry of Labour & Employment, Government of India, delivered through LIC. It covers death and disability for members of 48 designated occupational/vocational groups, rural landless households, and unorganized workers. Members aged 18-59 pay a subsidised annual premium of ₹200 for coverage, and the scheme also funds scholarships for children in grades 9-12, rounding out support for the whole family.
Scheme Overview
Central Government
Ministry Of Labour and Employment
Individual
Scheme Details
Eligibility Requirements
To qualify for Aam Aadmi Bima Yojana, applicants must satisfy the following conditions:
The applicant must be between 18 and 59…
The applicant must be between 18 and 59 years old.
The applicant should normally be the head of…
The applicant should normally be the head of the family or an earning member.
The applicant's family should fall below the poverty…
The applicant's family should fall below the poverty line (BPL) or marginally above it.
The applicant should belong to a recognised occupational…
The applicant should belong to a recognised occupational or vocational group.
The applicant should belong to a rural landless…
The applicant should belong to a rural landless household.
Benefits Provided
Aam Aadmi Bima Yojana provides the following benefits to eligible applicants:
Life Insurance Coverage:
Natural death
Natural death: ₹30,000/-
Accidental death
Accidental death: ₹75,000/- Disability Benefits:
Total permanent disability (loss of two eyes or…
Total permanent disability (loss of two eyes or two limbs) from accident: ₹75,000/-
Partial permanent disability (loss of one eye or…
Partial permanent disability (loss of one eye or one limb) from accident: ₹37,500/- Scholarship:
Two children of a beneficiary studying in grades…
Two children of a beneficiary studying in grades 9-12 each receive ₹100/- per month, paid half-yearly on 1st July and 1st January. Annual Premium: ₹200/- per member.
Subsidy from the Social Security Fund (SSF):
The Government of India covers 50% of the premium (₹100/-) through the SSF.
Premium for Rural Landless Households (RLH):
The remaining 50% (₹100/-) is paid by the respective State Government/UT.
Premium for Other Occupational Groups:
The remaining 50% is met through a combination of contributions from the Nodal Agency, the member, and/or the State Government/UT.
Documents Required
Applicants should keep the following documents ready before starting the application:
General Documents:
Ration card
Ration card
Extract from the birth register
Extract from the birth register
Extract from a school certificate
Extract from a school certificate
Voter's list
Voter's list
Identity card from a reputed employer/government department
Identity card from a reputed employer/government department
Aadhaar card For a Death Claim
Aadhaar card For a Death Claim:
Original death certificate plus a duly attested copy
Original death certificate plus a duly attested copy. For an Accident Claim:
Copy of the FIR
Copy of the FIR
Post-mortem report
Post-mortem report
Police inquest report
Police inquest report
Police conclusion/final report
Police conclusion/final report
How to Apply
Offline Application
Applicants can apply for Aam Aadmi Bima Yojana through the offline application process outlined below.
Death Claim Procedure:
The deceased member's nominee submits a claim to…
The deceased member's nominee submits a claim to the designated Nodal Agency official, along with the original death certificate and an attested copy.
The official verifies the submitted documents
The official verifies the submitted documents.
The Nodal Agency compiles a claim packet —…
The Nodal Agency compiles a claim packet — completed claim form, death certificate, and a certificate confirming the deceased was the head/earning member of a BPL or marginally-above-BPL family in an eligible occupation.
The verified packet goes to LIC for processing
The verified packet goes to LIC for processing. Accident Claim Procedure:
The nominee submits an application with the death…
The nominee submits an application with the death registration certificate plus the FIR, post-mortem report, police inquest report, and police conclusion/final report.
The Nodal Agency verifies the documents and forwards…
The Nodal Agency verifies the documents and forwards the claim to LIC. Scholarship Claim Procedure:
The member whose child qualifies fills out a…
The member whose child qualifies fills out a scholarship application twice yearly and submits it to the Nodal Agency.
The Nodal Agency identifies eligible students and compiles…
The Nodal Agency identifies eligible students and compiles a beneficiary list.
This list, with the student's name, school, class,…
This list, with the student's name, school, class, member details, and NEFT information, goes to LIC's P&GS unit.
LIC pays the scholarship directly into the beneficiary's…
LIC pays the scholarship directly into the beneficiary's bank account via NEFT twice a year, on 1st July and 1st January.
Official Application & Website
Verify the latest eligibility, dates and instructions before applying.