Group Insurance Scheme for Powerloom Weavers
₹60,000–1.5 lakh insurance · powerloom weavers · India
This central government insurance scheme provides affordable group life and accident insurance to powerloom weavers aged 18–59 through LIC, with the government subsidizing most of the annual premium. It covers natural death (₹60,000), accidental death or total disability (₹1,50,000), and partial disability (₹75,000). To enroll, fill in an application form at your nearest Powerloom Service Centre or Textile Commissioner Regional Office and pay your share of just ₹80 per year.
About This Scheme
This central government insurance scheme provides affordable group life and accident insurance to powerloom weavers aged 18–59 through LIC, with the government subsidizing most of the annual premium. It covers natural death (₹60,000), accidental death or total disability (₹1,50,000), and partial disability (₹75,000). To enroll, fill in an application form at your nearest Powerloom Service Centre or Textile Commissioner Regional Office and pay your share of just ₹80 per year.
Full official description
The Government of India had introduced the 'Group Insurance Scheme for Powerloom Weavers' from 1st July, 2003 which is a combination of 'Janshree Bima Yojana (JBY)' and 'Add-on Group Insurance Scheme (AGIS)'. The Scheme was revised w.e.f. 1st January, 2008 and the revised Scheme was known as "Group Insurance Scheme for Powerloom Weavers". This scheme is implemented in collaboration with the Life Insurance Corporation (LIC) of India. Objective: The basic objective of this scheme is to provide insurance cover to the powerloom weavers in the case of natural death, accidental death as well as partial and permanent disability due to accident.
Benefits
- ₹60,000 lump sum paid to nominee on natural death
- ₹1,50,000 on accidental death or permanent total disability
- ₹75,000 on permanent partial disability due to accident
- Educational grant of ₹600 per child per half-year for 2 children studying in Classes 9–12 (Shiksha Sahayog Yojana)
- Worker's share of annual premium is only ₹80; government contributes ₹290 and ₹100 from Social Security Fund
💡 Why Startups Should Care
For powerloom weavers running small textile operations, this insurance protects their family's financial stability in case of death or disability — a basic but important safety net for an occupation with real workplace hazards.
Who Can Apply (Eligibility)
- Must be a powerloom weaver or allied worker (twisting, winding, warping, sizing) aged 18 to 59 years
- Open to both BPL and APL workers — no income restriction
- Self-employed weavers owning up to 4 looms are eligible
- Only one member per family (beneficiary or spouse) can be enrolled
- Scheme renews annually — coverage lapses if the premium is not paid on time
How to Apply
- Fill up the application-cum-nomination form (available on the Textile Commissioner's website).
- Submit photo-identity card and proof of age.
- For claims, provide death certificate, FIR (if applicable), and post-mortem report.
- The scheme administrator verifies and processes the claim.
- Insurance amount is disbursed to the nominee.
Frequently Asked Questions
What is the primary objective of the scheme?
To provide insurance coverage to powerloom weavers in cases of natural death, accidental death, and partial or permanent disability due to accidents.
Who is eligible to enroll in this insurance scheme?
Powerloom weavers aged between 18 and 59 years, irrespective of their BPL/APL status.
Does the scheme cover workers involved in pre-weaving activities?
Yes, it includes workers engaged in twisting, winding, warping, and sizing activities.
Are self-employed weaver families eligible for the scheme?
Yes, if they own not more than four looms.
How is "family" defined under this scheme?
The beneficiary and their spouse; only one can be covered.
What is the coverage period of the insurance upon premium payment?
One year, with the option to renew annually until the age of 59.
Does the scheme provide educational grants?
Yes, [?]600 per child per half-year for up to two children studying from IX to XII standard, for a maximum of four years.
What happens if a student fails and is detained in the same standard?
They become ineligible for the scholarship for that standard in the next year.
Which organizations jointly implement the scheme?
The Office of the Textile Commissioner and the Life Insurance Corporation (LIC) of India.
What role do the Regional Offices of the Textile Commissioner play?
They act as nodal agencies, responsible for sensitizing workers, enrolling members, and facilitating application processes.
What is the procedure if a member changes employment during the coverage period?
The member must inform the nodal agency about the change.
How are claims settled?
LIC sends account payee cheques or uses NEFT/RTGS directly to the beneficiary, with intimation to the nodal agency.
Can a member rejoin the scheme after a lapse in premium payment?
Yes, by paying the required premium, the member can rejoin the scheme.
Is the premium refundable if paid?
No, once paid, the premium is non-refundable.
Ready to apply?
Visit the official government portal to apply for this scheme.
Apply on myScheme.gov.inDocuments Required
- Photo-identity card
- Documentary proof of age
- Death certificate
- Police complaint/FIR (for accidents, if applicable)
- Post-mortem report (if applicable)