Janashree Bima Yojana- JBY

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Janashree Bima Yojana (JBY) was launched on 10th August 2000. The Scheme has replaced Social Security Group Insurance Scheme (SSGIS) and Rural Group Life Insurance Scheme (RGLIS). 45 occupational groups have been covered under this scheme.

The premium for the scheme is Rs. 200/- per member, 50 % premium under the scheme is met out of Social Security Fund set up in the year 1988-89 which is maintained by LIC. The balance 50% premium is borne by the member and/ or Nodal Agency.


On natural death Rs. 30000/-
On Death/Total permanent disability due to accident Rs. 75000/-
On partial permanent disability due to accident Rs. 37500/-

Features of the Janashree Bima Yojana

The members under this yojana will have to pay a premium of Rs 200 per head. 50% of the premium will be paid by the members or the State Government/Nodal Agency, while submitting the proposal. Nodal Agencies comprise Self Help Groups (SHGs), NGOs, Panchayat, or any other institutional arrangement. The other 50% of the premium will be contributed from the Social Security Fund.

Women SHG Groups

Janashree Bima Yojana also offers a special scheme to women SHG members to assist them in their children’s education. Term life insurance coverage amounting to Rs 30,000 is provided for a tenure of one year. The premium of Rs 200 per year is shared between the SHG member and LIC. Rs 100 is paid by the member, while the balance Rs 100 is borne by the LIC.

Shiksha Sahyog Yojana

The Yojana also offers a social security scheme, Shiksha Sahyog Yojana (SSY), for children of parents covered under the JBY. This is an add-on benefit of the Janashree Bima Yojana. A scholarship amount of Rs 600 is paid every 6 months to students studying in IX to XII (this also includes ITI students). This benefit can be availed by only two children in every family.

Eligibility Criteria for Janashree Bima Yojana

In order to be eligible to avail the Janashree Bima Yojana policy, the person should satisfy the following criteria:

  • Individuals should be aged between 18 to 59 years
  • Should be a member of any of the nodal agency approved occupation or vocational group
  • Should be marginally above or below the poverty line
  • Minimum membership size should be 25

Groups Covered Under Janashree Bima Yojana

The below mentioned groups, that fall in the below and marginally above poverty line category, are covered by JBY:

Aanganwadi workers and helpers Manufacturer of paper products
Agriculturists Papad workers attached to SEWA
Beedi workers Physically handicapped self-employed persons
Brick kiln workers Plantation workers
Carpenters Powerloom workers
Cobblers Primary milk producers
Coconut processors Printing press workers
Construction workers Rickshaw pullers/auto drivers
Chemical products like candle manufacturing company workers Rubber and coal producers
Earthen toy manufacturers Rural poor
Fire cracker workers Safai karamcharis
Fishermen Salt producers
Foodstuffs like khandsari/sugar company workers Scheme for urban poor
Forest workers Sericulture
Hamals Sheep breeders
Handicraft artisans Tenduleaf collectors
Handloom weavers Textile
Handloom and khadi weavers Toddy tappers
Hilly area women Transport drivers association
Kotwal Transport karamcharis
Lady tailors Women associated with SHG
Leather tannery workers
Manufacturer of food products
Manufacturer of leather products


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