MAHATAMA GANDHI BUNKER BIMA YOJANA

MAHATAMA
GANDHI BUNKER BIMA YOJANA



“Bunkar
Bima Yojana”
 introduced
in 2003 which was a combination of Janshree Bima
Yojana
 and Add-on Group Insurance Scheme being
implemented in collaboration with the Life Insurance Corporation of
India.
 Since, 2005-06 this scheme was revised and has
been implemented revised with title “Mahatma Gandhi Bunkar Yojana”.

MAHATAMA GANDHI BUNKER BIMA YOJANA
The scheme will
cover 26.19 lakh 
weavers during the period 2012-13 to 2016-17 including
maximum renewal cases each year.
The authority
in-charge of Handlooms
 in the State shall finalise insurance coverage
of the weavers with the Life Insurance Corporation of India.
TABLE OF CONTENTS

    What
    are the Objectives of the Mahatma Gandhi Bunkar Bima Yojana?

    “Mahatama
    Gandhi Bunkar Bima Yojana
     is to provide
    enhanced insurance cover to the handloom weavers in the case of natural as well
    as accidental death and in cases of total or partial disability. The Ministry
    of Textiles 
    is implementing converged Mahatma Gandhi Bunkar
    Bima Yojana (MGBBY)
     for providing social security benefits like lifeaccidental
    & disability insurance
     coverage to handloom weavers/workers
    in the age group of 51-59 years across the country, who have
    already enrolled under the scheme on 31.5.2017


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    What
    is the Eligibility Criteria for Mahatma Gandhi Bunkar Bima Yojana?
     


    • The weaver
      should be earning at least 50% of his income from handloom
      weaving
      .
    • All weavers,
      whether male or female, between the age group of 18 and 59 years are
      eligible to be covered under the scheme, including minorities, women
      weavers and weavers belonging to NER.
    • The weavers
      belonging to the State Handloom Development Corporations/Apex/
      Primary Handloom Weavers
      Cooperative
      Societies
       will
      be covered under the Scheme.
    • Weavers outside
      co-operative 
      can also be covered under the scheme on a
      certificate
       from the State Directorate of Handlooms that
      they are fulfilling the eligibility conditions.
    • It will be
      the responsibility of the State Director in charge of Handlooms to
      verify the eligibility of the weavers who are proposed to be covered under
      the scheme.
    • It will be the responsibility
      of the State Director In charge and LIC 
      to ensure that women
      weavers, weavers belonging to minorities and weavers of NER States (Arunachal
      Pradesh, Assam, Manipur, Meghalaya, Mizoram, Nagaland, Tripura and Sikkim)
       are
      given adequate representation while implementing the scheme.

    What
    are the Key Features of Mahatma Gandhi Bunkar Bima Yojana?

    • The claim
      benefits are provided by LIC directly into the bank
      account of beneficiaries through Direct Benefit Transfer (DBT).
      The scheme will be administered by the LIC of India.
    • The authority
      in-charge of Handlooms in the State 
      shall finalise insurance
      coverage of the weavers with the Life Insurance Corporation of India.
    • The annual
      premium of Rs.470/-
       is shared as under:
      • Government of
        India: Rs.290/-
      • Weaver: Rs.80/-
      • Implementing
        Agency: Rs.100/-
      • Total
        Premium: Rs.470/-
    • Benefits:
      • Natural
        Death: Rs.60,000/-
      • Accidental
        Death: Rs.1,50,000/-
      • Total
        Disability: Rs.1,50,000/-
      • Partial
        Disability: Rs.75,000/-
    •  ADDITIONAL
      BENEFITS
      :
      • The “Mahatma
        Gandhi Bunkar Bima Yojana” also provides scholarship to
        the children of parents who are covered under it under “Shiksha
        Sahyog Yojana”.
      • It may be
        ensure that the bright and scholary students from weaver community
        getting benefits under MGBBY – Siksha Sahayog Yojana need
        to be brought to limelight so as to encourage the children of the other
        weaver families to emulate them.
      • The
        beneficiaries have to be selected for “Shiksha Sahayog Yojana” out
        of the members covered under Mahatma Gandhi Bunkar Bima Yojana.
        The targeted beneficiary students of a State may be divided among the
        members covered under Mahatma Gandhi Bunkar Bima Yojana in
        proportion to the number of lives covered within that State. 
      • The final
        selection shall be based on the criteria of poorest of the poor, as the
        number of scholarships is limited and without any gender discrimination.
    • The Ministry of
      Textiles also regularly organizes awareness programmes and
      camps through its Weavers’ Service Centres to facilitate
      enrolment of handloom weavers/workers under Government Flagship Insurance
      Schemes.


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