Launched on 14 August 2018 by the Department of Agriculture, Government of Telangana, the “Rythu Bima – Farmer Group Life Insurance Scheme” provides financial security to farmers and their families. Implemented through the Life Insurance Corporation of India (LIC), the scheme offers an immediate insurance cover of ₹5 lakh to the nominee(s) of enrolled farmers in the event of death—irrespective of the cause. This initiative targets small and marginal farmers who depend solely on agriculture for their livelihood, ensuring that their bereaved families receive prompt financial relief.
Benefits
-
Financial Assistance on Death/Disability:
In the event of the death or permanent disability of the enrolled farmer (due to accident or natural calamity), an insured amount of ₹5 lakh is paid directly to the nominee’s bank account within 10 days. -
Affordable Premiums:
-
The annual premium is ₹1,200 per farmer.
-
For non-loanee farmers, the premium is 2% of the sum insured.
-
For loanee farmers, the premium is 1% of the sum insured.
-
The government subsidizes 75% of the total premium, reducing the cost burden on farmers.
-
-
Wide Coverage:
The scheme covers farmers aged between 18 and 60 years (with eligibility assessed as of July 1st of the current financial year), including tenant farmers. -
Immediate Claim Settlement:
Claims are processed and settled within 10 days, ensuring a hassle-free experience for beneficiaries. -
Peace of Mind:
By ensuring financial security for the farmer’s family, the scheme helps mitigate the economic impact of an untimely demise or disability.
Eligibility
-
Residency:
The farmer must be a resident of Telangana. -
Farmer Status:
Only farmers are eligible. To enroll, the farmer must own some agricultural land under his/her name. -
Age Criteria:
Farmers must be between 18 and 59 years old as of July 1st of the current financial year, with age verification via Aadhaar. -
DBT Registration:
The applicant must be registered on the DBT portal with a bank account linked to their Aadhaar number. -
Exclusions:
The scheme does not cover:-
Death/disability due to suicide, drug abuse, war/terrorism, criminal activity.
-
Death/disability due to natural causes such as old age or pre-existing conditions.
-
Application Process
Claim Process (In Event of Farmer’s Death or Disability)
-
Collect the Claim Form:
The nominee or a family member should visit the Department of Agriculture or the nearest LIC office during office hours to obtain the prescribed claim application form. -
Fill and Attach Documents:
Complete the form with the required details and attach a passport-sized photograph (if required) along with self-attested copies of all necessary documents. -
Submission:
Submit the completed claim application along with supporting documents to the designated authority—either the local Agriculture Office or LIC representative. -
Receipt:
Obtain an acknowledgment or receipt with the submission date, time, and a unique identification number. -
Processing:
Upon verification, the claim amount of ₹5 lakh is deposited into the nominee’s bank account within 10 days.
Documents Required for Claim
-
Death Certificate of the farmer.
-
Aadhaar Card of the deceased farmer.
-
Aadhaar Card of the applicant/nominee.
-
First page of the bank passbook.
-
Any other documents as specified in the TS Rythu Bheema Pathakam guidelines.
Frequently Asked Questions
-
What is the Rythu Bima Scheme?
It is a group life insurance scheme for farmers in Telangana that provides an insurance cover of ₹5 lakh to the nominee(s) in the event of the farmer’s death or permanent disability. -
Who is eligible for the Rythu Bima Scheme?
Farmers aged 18 to 59 years, residing in Telangana and owning agricultural land, are eligible. Tenant farmers are also covered, subject to the scheme’s conditions. -
What is the premium amount for the scheme?
The annual premium is ₹1,200 per farmer, with the government subsidizing 75% of the premium. Premium rates vary based on whether the farmer is a loanee or non-loanee (2% of sum insured for non-loanees and 1% for loanees). -
What is the insurance coverage provided?
An insured amount of ₹5 lakh is provided, which is paid out to the nominee(s) in case of the farmer’s death or permanent disability. -
What documents are required to register for the scheme?
Registration requires proof of identity (Aadhaar), land ownership, and other standard documents as outlined by the Department of Agriculture. -
What is the process to claim insurance benefits under the Rythu Bima Scheme?
In the event of the farmer’s death, the nominee must visit the nearest LIC office or Agriculture Office, obtain the claim form, fill it, attach required documents (including the death certificate and bank passbook), and submit it. Claims are processed and settled within 10 days. -
Is the Rythu Bima Scheme applicable to tenant farmers?
Yes, tenant farmers are eligible for the scheme as long as they meet the other criteria. -
Whom should I contact for more information?
For further details, contact the nearest Agriculture Office or LIC representative in your district.