1. Janashree Bima Yojana (JBY)
- Launched on 10th August 2000 by Life Insurance Corporation.
- Janashree Bima Yojana replaced social security group insurance schemes (SSGIS) and Rural Group Life Insurance Scheme(RGLIC)
- Provides for an insurance cover of Rs.30000 on natural death, Rs.75000 on permanent disability to accident and Rs.37500 on partial disability.
- The Premium is Rs.200 per member per annum.
- 45 occupational groups having 25 members.
- For both Rural and Urban people
- For BPL and marginally above BPL people.
- 50% of finance is met out of social security fund.
2. Aam Aadmi Bima Yojna (AABY)
- Launched on 2nd October 2007.
- It was launched by LIC for rural landless households at Shimla.
- Premium fixes at Rs.200 per person per annum to be shared equally by centre and the states.
- The age covered is 18years to 59 years
- Death or Permanent disability Rs. 75000, Partial disability Rs37500
- For Rural landless household.
- Head of the family or one carring member in the family of rural landless
- Free add-on benefit for children of the members of Aam Aadmi Bima Yojana.
3. Universal Health Insurance Scheme (UHIS)
- Launched from the year 2003-2004 for improving the healthcare access to the poor families.
- Launched by four public sector general insurance company.
- Export credit Gurantee Corporation (ECGC) and the Agriculture Insurance Company (AIC) are the specialised insurers.
4. Rashtriya Swasthya Bima Yojana (RSBY)
- Launched on 1st October 2007.
- Provides smart-card based casters health insurance cover Rs.30000 per family per annum to BPL families (a unit of five) in the unorganised sector.
- The premium is shared in 75:25 between the center and the states.
- For BPL families (A unit of five)
- For unorganised sectors.
- It’s a smart card based cashless health insurance, cover Rs.30000 per annum of insurance or family floats basis.
- It also cover migrant workers.
- It was for 5years from 2008 to 2013.
- It cover all pre-existing diseased, maternity benefit, transport cost
- It use IT application both private and public service providers for delivering the insurance package
- No age limit has been prescribed.
5. Siksha Sahayog Yojana
- Less the burden of parents in meeting the educational exenses of their children.
- For BPL families
- Between 9th to 12th Standard.
6. Atal Pension Yojana (APY)
- Launched on 9th May 2015 in 2015 Budget.
- Launched by PM Sri Nrendra Modi.
- It targeted at the Unorganised Sectors.
- It has fixed pension for the Insurer ranging between Rs1000 to Rs.5000, If he joins and contributes in between 18years to 40 years, till they turn 60 Years.
- This scheme is open to all bank account holders who are not a members of any statutory social security scheme.
- The Minimum and Maximum age of Atal pension Yojana is 18 years & 40 Years
- The Minimum period of this scheme i.e. Atal Pension Yojana is 20 years or more.
7. Pradhan Mantri Suraksha Bima Yojana
- It was launched in 9th May 2015.
- It was formally lauched by PM Sri Narendra Modi.
- It foused mainly on Accidental Death and disability of a person.
- It will cover Rs.2 lakh on Accidental Death and disability of a person
- The costs of Premium is Rs.12 per year as mentioned.
- The scheme can be used by anyone who has a saving bank account in the banks that offer this Pradhan Mantri Suraksha Bima Yojana Scheme.
- This scheme is specially for drivers, security guards, news-paper vendors, etc. other than who are exposed to the risk of accidental death or disability.
8. Pradhan Mantri Jeevan Jyoti Bima Yojana
- This scheme was launched on 9th May 2015.
- It was formally launched by PM Sri Narendra Modi.
- This scheme is a pure protection term insurance cover which plays Rs.2Lakh on the event of the policy holder’s death.
- The Premium of this policy Rs.330 per year.
- The basic eligibility is for Any-one in-between 18-70 years who has a saving bank account in a bank.
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