Khadi Karigar Janashree Bima Yojana
Khadi Karigar Janashree Bima Yojana is a group insurance scheme for registered Khadi artisans (spinners and weavers) providing life cover, accident cover, and disability cover at no cost to the artisan.
About This Scheme
Khadi Karigar Janashree Bima Yojana is a group insurance scheme for registered Khadi artisans (spinners and weavers) providing life cover, accident cover, and disability cover at no cost to the artisan.
Full official description
A group insurance scheme by MoMSME for khadi artisans (spinners and weavers). The scheme provides insurance cover against normal death, accidental death, permanent or partial disability of the insured artisan. Scholarships are provided to the insurer’s children studying in class 9th to 12th.
The artisan must be member of the approved vocation / occupation groups. This scheme was formulated by Khadi and Village Industries Commission (KVIC) in association with the Life Insurance Corporation of India (LIC).
Benefits
- Natural death: ₹20,000
- Accidental death: ₹50,000
- Permanent total disability (loss of 2 eyes/limbs): ₹50,000
- Partial disability (loss of 1 eye/limb): ₹25,000
- Free add-on: Scholarship of ₹300/quarter per child for up to 2 children studying in Classes 9–12
Who Can Apply (Eligibility)
Khadi artisan (spinner or weaver), aged 18–59, enrolled as a member of a Khadi institution.
How to Apply
The nominee of the deceased person will have to follow the below procedure:
Step 1: The beneficiary will have to furnish the original death certificate of the deceased person to the Pension Group Schemes Department of LIC of India through the Khadi Institution under which the deceased was a member.
Step 2: In case of accidental deaths, the police enquiry report will also need to be submitted along with the application.
Step 3: The agency will proceed further to forward the documents along with the claim records/papers to LIC as the branch which has originally finalised in the insurance cover.
Step 4: The Life Insurance Corporation will settle all the claims by sending account Payee Cheque directly to the beneficiary. This intimation has to be furnished to the concerned State Government.
Frequently Asked Questions
What defines ‘permanent disability’ as per this scheme?
For the purpose of this scheme, "permanent disability" means the loss of two eyes or two limbs.
What is the maximum financial assistance provided for death due to natural causes?
A financial assistance of [?]20,000 is provided for death occurring from a natural cause.
Are there any benefits for the children of the applicant?
Yes, there is provision for providing scholarship of [?]300 per quarter for children of a Khadi Karigar, studying in 9th to 12th standard, (subject to a maximum of 2 children per family).
I am a 45 year old khadi weaver. I seek to know if I am too old to apply for the scheme?
The upper age limit in this scheme is 59 yea[?] You are therefore eligible to apply.
Do I need to be from a particular state in order to be eligible for this scheme?
The scheme is equally applicable to citizens across all the states of India.
Is partial disability covered under this scheme?
Yes, partial disability, i.e. loss of one eye or one limb is completely covered in KKJBY.
Is partial disability covered under this scheme?
Yes, partial disability, i.e. loss of one eye or one limb is completely covered in KKJBY.
By what means shall I be receiving the benefits of the scheme?
The scheme is under the LIC so it will be LIC who issues the benefit to the nominee of the deceased person.
I seek to know the breakup of the premium contribution?
Artisan - [?] 12.5, Khadi Institution - [?] 25, KVIC - [?] 12.5 Social Security Fund administered by LIC - [?] 50.
Is the application process online?
At the moment, the scheme only supports offline process of application.
Ready to apply?
Visit the official government portal to apply for this scheme.
Apply on myScheme.gov.inDocuments Required
- Proof of Age
- Proof of Income (Income Certificate)
- Proof of Occupation
- Aadhaar
- Bank Details (Aadhaar Seeded)
- Death Certificate / Certificate of Disability (case specific)