The Aam Aadmi Bima Yojana (AABY), implemented by the Social Justice & Special Assistance Department, Government of Maharashtra, is a centrally sponsored scheme aimed at providing insurance and scholarship benefits to landless laborers in rural areas. The scheme ensures financial security for families through insurance coverage in case of death or disability and scholarships for students.
The annual premium for each member is ₹200/-, of which 50% is subsidized by the State and Central Governments.
Benefits
Insurance Benefits
- Natural Death Benefit: ₹30,000/- is paid to the nominee in case of natural death before the terminal date.
- Accidental Death Benefit: ₹75,000/- is paid to the nominee in case of accidental death.
- Permanent Total Disability (Accident): ₹75,000/- is given in case of permanent total disability due to an accident.
- Loss of Two Eyes or Two Limbs (Accident): ₹75,000/- is payable in case of the loss of two eyes or two limbs in an accident.
- Loss of One Eye or One Limb (Accident): ₹37,500/- is payable in case of the loss of one eye or one limb in an accident.
Scholarship Benefits
- ₹100 per month is given as a scholarship to children of the insured who are studying in 9th to 12th standards.
- The scholarship is available for a maximum of two children per family.
Eligibility Criteria
To qualify for Aam Aadmi Bima Yojana, the applicant must:
- Be a resident of Maharashtra.
- Be between 18 and 59 years of age.
- Be a landless laborer.
- Reside in a rural area.
- Have no ownership of agricultural land.
- Not be covered under any other similar insurance scheme.
Application Process
Offline Process
- Visit the nearest government office (Office of the Collector, Tahsildar, or Talathi) during office hours.
- Request a hard copy of the application form from the concerned authority.
- Fill out the form, attach a passport-sized photograph, and self-attest the required documents.
- Submit the completed application along with supporting documents to the concerned authority.
- Obtain an acknowledgment receipt with a submission date and reference number.
Note: Ensure that the application is submitted within the prescribed period (if any).
Documents Required
- Proof of Identity (Aadhaar Card, Voter ID, etc.).
- Proof of Age (Birth Certificate, School Certificate, or Age Certificate issued by a Government Medical Officer).
- Address Proof (Ration Card, Electricity Bill, etc.).
- Certificate of Landlessness (issued by the Revenue Department/Tahsildar).
- Passport-Sized Photographs.
- Income Certificate (issued by the competent authority).
- Duly Filled Application Form.
- Self-Attestation on all submitted documents.
- Additional Documents (if applicable, as required by the department).
Frequently Asked Questions (FAQs)
Q: What is the Aam Aadmi Bima Yojana?
AABY is an insurance and scholarship scheme for landless laborers in rural areas, providing financial security through life insurance and scholarships for children.
Q: Who is eligible to apply for this scheme?
Any landless laborer residing in rural Maharashtra, aged between 18-59 years, and not owning agricultural land is eligible.
Q: What is the premium amount for the scheme?
The annual premium is ₹200/- per member, 50% of which is subsidized by the State and Central Governments.
Q: What benefits does the scheme provide?
- ₹30,000 for natural death.
- ₹75,000 for accidental death or total disability.
- ₹37,500 for partial disability (loss of one eye or limb).
- ₹100 per month scholarship for children (Class 9-12).
Q: How much financial assistance is provided in case of accidental death?
₹75,000 is paid to the nominee in case of accidental death.
Q: Are there any benefits for children under this scheme?
Yes, ₹100 per month is provided as a scholarship to a maximum of two children per family studying in Classes 9-12.
Q: What documents are required to apply for the scheme?
Applicants must submit identity proof, age proof, address proof, a certificate of landlessness, passport-size photographs, an income certificate, and a completed application form.
Q: Where can I obtain the application form?
The form is available at Collector, Tahsildar, and Talathi offices across Maharashtra.
Q: Is there a specific time frame for submitting the application?
Yes, applicants should check with the concerned office for submission deadlines.
Q: What happens if I turn 60 years old while enrolled in the scheme?
Once the applicant reaches 60 years of age, they will no longer be eligible for insurance benefits, and their policy coverage will cease.