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LIC Aam Aadmi Insurance Scheme LIC is running to help rural landless families. Under this scheme, financial assistance in the form of life insurance will be provided to low-income landless families of rural areas such as fishermen, auto drivers, cobblers, etc. and other facilities will also be provided along with it. Dear friends, today through this article we will show you LIC Aam Aadmi Bima Yojana 2021 All information related to the eligibility, documents, application process etc. are going to be provided, so read our article till the end and take advantage of the scheme.

LIC Aam Aadmi Bima Yojana 2021

This scheme policy is a social security scheme. The scheme will provide coverage to the head of a landless family in rural areas of the state for partial and permanent disability or to an earning member of the family with the benefit of life insurance coverage. this LIC Aam Aadmi Bima Yojana 2021 Under this, the premium will be paid annually to the beneficiaries. No premium will be charged from the accidental death / disability policy holder under this scheme. Interested beneficiaries who wish to avail this scheme will have to apply under this scheme. Aam Aadmi Bima Yojana 2021 Under LIC, if a person dies due to natural causes, then LIC will be provided a lump sum of Rs 30,000 insurance money to his family. This policy also provides scholarship benefit.

Pradhan Mantri Suraksha Bima Yojana

Funds to be provided under Aam Aadmi Bima Yojana 2021

Under this scheme, life insurance will be provided under various circumstances, the details of which are given below.

Serial number cause Amount to be paid
1 Death due to natural causes Rs 30,000
2 Complete permanent disability in accident. Disability of both eyes or two fingers; One eye and one finger in accident. 75,000 rupees
3 Disability of one eye or one finger in accident 37000 rupees
4 On accidental death 75,000 rupees

Kay Highlights Of LIC Aam Aadmi Bima Yojana 2021

Name of the scheme LIC Aam Aadmi Insurance Scheme
Started by By LIC
Beneficiary Lower class landless families in rural areas
an objective Providing life insurance

Simple life insurance plan

AABY 2021 Premium

If life insurance is up to Rs 30000 under this scheme, then a premium of Rs 200 is charged every year. Out of which 50% premium from Social Security Fund will be borne by the State Government / Union Territory and in case of other professional group the remaining 50% premium will be borne by the Nodal Agency and / or Member and / or State Government / Union Territory.

Purpose of Aam Aadmi Insurance Scheme

The main objective of this scheme is to provide life insurance to members of poor families. Through this scheme, every citizen of the country will be able to get their own insurance. LIC Aam Aadmi Insurance Scheme Under the scheme, financial assistance will also be provided in case of death as well as disability. If the beneficiary registered under the scheme dies or becomes disabled, the family of the beneficiary will be provided a sum ranging from ₹ 30000 to ₹ 75000. Through this scheme, poor families will get help in fighting the financial assistance that comes due to death of a family member or due to their disability.

Beneficiaries of LIC Aam Aadmi Bima Yojana

  • Briquette worker
  • cobbler
  • Fisherman
  • Increased
  • Bidi laborer
  • Handloom weaver
  • Handicraft artisan
  • Khadi weaver
  • Leather workers
  • Lady tailor
  • Physically handicapped citizens
  • Papad worker
  • Milk producer
  • Auto driver
  • Rickshaw driver
  • Cleaning worker
  • Forest worker
  • Urban poor
  • Paper producer
  • Cultivator
  • Anganwadi teacher
  • Construction workers
  • Plantation laborers etc.

Natural or accidental death

  • After the death of the insured, the nominee of the insured will have to file a claim in LIC.
  • The nominee will have to fill the death claim form and submit it along with the death certificate to the nominee.
  • After this, the claim form will be verified by the officer.
  • After verification, the claim amount will be transferred to the beneficiary’s account.
  • In case of natural death, claim form and death certificate will have to be submitted.
  • In case of death due to accident, a copy of FIR lodged with the local police, post mortem report, police investigation report and final police report will have to be submitted.

Benefits of LIC Aam Aadmi Bima Yojana 2021

  • The benefit of this scheme will be provided to the poor families of the unorganized areas / low class of rural areas.
  • AABY 2021 Not only does it provide death as well as disability benefits, but it also guarantees that at least 2 children in the family continue to receive education without a break.
  • Under this insurance scheme, a maximum of two children studying between 9th and 12th will be given a scholarship of Rs 300 per child. It will be paid on half-yearly basis.
  • LIC Aam Aadmi Insurance Scheme 2021 under which During the period of insurance protection in a poor family, an amount of Rs 30,000 will be given to the nominee if the member dies naturally.
  • If the death of the registered person is due to accident or disability, then the nominee will be provided an amount of 75,000 according to the policy.

Ineligibility of LIC Aam Aadmi Insurance Scheme

  • Suicide
  • Self-defense
  • Mental illness
  • Pregnancy or delivery
  • War or related crisis
  • Medical expenses due to an accident
  • Injury or death due to criminal activity violating the law
  • Injury or death due to participation in dangerous sports
  • Injury or death due to chemical, biological or radioactive weapons

LIC Aam Aadmi Bima Yojana 2021 scheme eligibility

  • Applicant must be a resident of India.
  • Applicants must be between 18 and 59 years of age.
  • Under this scheme, the applicant should belong to Below Poverty Line (BPL).
  • Families slightly above the poverty line who are part of any occupational group mentioned in the scheme.
  • Rural landless families will also be considered eligible under this scheme.
  • The beneficiary should be the head of the family and there should be only one earning person in the family.

Documents of LIC Aam Aadmi Bima Yojana 2021

  • Applicant’s Aadhar Card
  • Identity card issued by government department
  • Ration card
  • Birth certificate
  • School certificate evidence
  • Voter ID
  • mobile number
  • Passport size photo

How to apply for LIC Aam Aadmi Bima Yojana 2021 online?

Interested beneficiaries of the country, who want to apply online under this scheme, then follow the method given below.

  • First of all you need LIC Official website will go on. After visiting the official website, the home page will open in front of you.
LIC Aam Aadmi Insurance Scheme
  • On this home page, you will see the option of applying LIC Aam Aadmi Bima Yojana online, you will have to click on this option.
  • After clicking on the option, the application form will open in front of you. You have to fill all the information asked in this application form.
  • After filling all the information you have to click on the submit button. In this way, you will be applied.

How to apply offline

  • Interested beneficiaries who wish to apply offline under this scheme, they will first have to go to the NIC nodal agency. After that you will have to go there and get the application form.
  • After receiving the application form, you have to fill all the information asked in the application form. After filling all the information, you will have to attach all your necessary documents in the application form.
  • Then you have to submit the application to LIC office. In this way your offline application will be done.
  • More information about Aam Aadmi Bima Yojana can be obtained by calling or SMS at the number given below.
  • SMS LICHELP TO 9222492224 OR SMS LICHELP TO 56767877

Procedure to claim under LIC Aam Aadmi Bima Yojana

Under this scheme, the claim amount is sent to the beneficiary’s account through NEFT. If NEFT facility is not available then the amount of the benefit is deposited in the bank account after obtaining approval from the competent officer in the beneficiary’s account. If the approval is obtained then the claim amount is paid through Account Payee Check or any other mode chosen by LIC. The process of claiming is as follows.

Procedure for claiming in case of disability

  • In this case, the claim will be claimed by the insured himself.
  • To do the film, the beneficiary has to submit all the important documents along with the claim form.
  • Important documents include the following documents.
    • Documentary proof of accident
    • Medical certificate
  • Medical certificate should be proof of disability of the insured.
  • After this, the claim form will be verified by the officer.
  • After successful verification, the claim amount will be credited to the beneficiary’s account.

Claim Procedure for Scholarship Benefit

Scholarships will also be provided to the children of the insured under the LIC Aam Aadmi Bima Yojana. The scholarship amount will be ₹ 100 per month. This scholarship will be awarded at an interval of 6 months. The beneficiary will have to claim every 6 months to get the scholarship. The process of claiming is as follows.

  • The child of the insured person will fill the application form for scholarship benefits.
  • This form will be filled at an interval of every 6 months.
  • After submission of the form, the form will be verified by the Nodal Officer.
  • The list of all students will be sent to LIC’s Pension and Group Scheme after verification by the Nodal Officer.
  • This list will contain the following information related to the students.
    • Name of Student
    • Student’s school name
    • Student class
    • Bill Member Name
    • Policy number of the insured
    • Bank account details
  • After successful verification of the form, the scholarship amount will be disbursed to the beneficiary’s account.
  • The scholarship is availed annually on January 1 and July 1 on a six-month basis.
  • After successful verification of the form, the scholarship amount will be disbursed to the beneficiary’s account.

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Raushan Kumar
A Cook, Software analyst & Blogger.

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