Common man insurance scheme
The unorganized sector workers account for about 93% of the total workforce in the country. The government is implementing some social security measures for some business groups but coverage is minimal. Most of the workers are still without any social security coverage. Accepting the need to provide social security to these workers, the Central Government has introduced a bill in Parliament.
A major insecurity for workers in the unorganized sector is that there are continuous incidents of disease for the medical care of such workers and their family members and hospital recruitment. Regardless of the expansion in health facilities, disease is one of the most popular causes of human deficiency in India. It has been clearly recognized that health insurance is a way of providing protection to poor families from the risk of health expenditure in poverty. However, most efforts to provide health insurance in the past have had difficulties in both design and implementation. Poor are unable or unwilling to take health insurance because of their cost, or lack of perceived benefits. Organizing and administering health insurance, especially in rural areas, is also difficult.
Scheme Salient Features
This plan focuses on changing the topography of the Indian economy. The primary purpose of this scheme is to provide social security and financial assistance to the people of rural India. This plan covers not only those people who have been classified below the poverty line, as places where there is no access to urban hospitals, such as large hospitals or good pharmacy. Apart from this, this plan has been extended to those who have been reinstated due to the lack of proper support, of whom the citizens of India’s nurtured middle class are included.
Benefits oF The Scheme
- If the person’s natural death has occurred, then the nominee or the family member of the policyholder will be given a sum of 30,000 rupees
- If the person has died due to the accident or has been permanently disabled in the accident, then the nominee or the family member of the policyholder will get Rs. 75,000.
- If a person encounters with permanent partial disability in accident, resulting in loss of eye or limb or any other accident; The nominee or family member of the policyholder will be given Rs 37,500.
- Members should be between 18 years of age and approximately 59 years of age.
- The member should normally be the head of the family or should be a bit above the poverty line under either the earning member of the BPL families or the identified business group / rural landless family.
- The applicant can be one of the family’s earning members, which is classified under poverty line (BPL).
- The applicant may be above the poverty line but should be identified under the Business Group / Rural Landless family.
“Nodal Agency” shall be deemed to be appointed by the Union Ministries / State Government / Union Territory of India / any other institutional arrangement / any registered NGO to conduct the scheme according to the rules. In the case of “Rural Landless Families”, the nodal agency shall mean the State Government / Union Territory appointed to operate the scheme.
Under the scheme, the premium to be taken initially will be Rs.2200 / – per member per year for 30,000 / -, of which 50% will get the subsidy from the Social Security Fund. The remaining 50% of rural landless domestic (RLH) premium will be borne by the State Government / UT and the remaining 50% will be borne by the premium nodal agency and / or member and / or state in the case of other business groups. Government / Union Territory
Scheme’s Claim Procedure
Benefit of death or disability claims under the scheme by the P & GS unit of LIC directly by the beneficiaries through NEFT or where NEFT facility is not available, in such cases will be deposited in the bank accounts of the former beneficiaries with the competence directly. . Authority A / C payable check or claim can be paid by any other mode set by LIC.
In the event of the death of the member during the period of coverage and after the policy is in force, his / her nominee will have to make an application with the Death Certificate for payment of the claim amount to the nominated officer of the nodal agency.
Death Claim Procedure
- The application will be presented to the Nodal Agency officer along with death certificate.
- Nominated officers of the concerned nodal agency will verify the claim papers.
- The papers will be submitted by the officer, in which the application, death certificate, beneficiary BPL or BPL family is marginalized above and there is a statement on whether they are affiliated with the business group or not.
- Finally, the nodal agency will duly verify a copy with the original certificate.
Accident Claim Procedure
In addition to the death registration certificate, the following documents should be submitted to the nodal agency.
- FIR copy
- Postmortem report
- Police inquiry report
- Police Conclusion Report / Final Report of Police
Claim process for scholarships
The member whose child is eligible for scholarship will submit the half-yearly application form to the nodal agency. Nodal agency will identify the students.
In return, the nodal agency will present the list of beneficiary students with complete information to the respective P & GS unit such as the name of the student, name of the school, class, member’s name, master policy number, membership number and NEFT details for direct payment .
For every half year, July 1 and January 1, each year LIC NEFT attributes the scholarship payment to the beneficiary’s student’s account.
Source : MINISTRY OF LABOUR & EMPLOYMENT GOVT. OF INDIA