Khadi Karigar Janashree Bima Yojana

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 .

Definitions
Accident
An accident means sudden, unforeseen and involuntary event caused by external, visible and violent means.
(Source: https://my.msme.gov.in/MyMsmeMob/MsmeScheme/Pages/1_3_1.html)

permanent disability
the loss of two eyes or two limbs.
(Source: https://my.msme.gov.in/MyMsmeMob/MsmeScheme/Pages/1_3_1.html)

partial disability
loss of one eye or one limb.
(Source: https://my.msme.gov.in/MyMsmeMob/MsmeScheme/Pages/1_3_1.html)

approved vocation / occupation groups
the groups that are identified and notified by LIC in consultation with the Nodal Agency. These groups mandatorily have 25 or more members.
(Source: https://my.msme.gov.in/MyMsmeMob/MsmeScheme/Pages/1_3_1.html)

Benefits
• For death: Natural causes – ₹20,000; and Accident – ₹50,000.
• For permanent disability (loss of two eyes or two limbs) – ₹50,000.
• For partial disability (loss of one eye or one limb) – ₹25,000.
• Free add-on benefit: Scholarship of ₹300 per quarter for children of Khadi Karigar, studying in class 9th to 12th standard, subject to a maximum of 2 children per family

Eligibility Criteria
1. The applicant must be a Khadi Artisan (Khadi Karigar).
2. The age of the applicant must be between 18 and 59 years.
3. The applicant must be a member of the approved vocation/occupation groups.
4. The group must have a minimum of 25 members.
5. <br>

Application Process
Step 1: The nominee of the deceased person will have to follow the below procedure:
Offline
The nominee of the deceased person will have to follow the below procedure:

Step 2: 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.
Offline
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 3: Step 2: In case of accidental deaths, the police enquiry report will also need to be submitted along with the application.
Offline
Step 2: In case of accidental deaths, the police enquiry report will also need to be submitted along with the application.

Step 4: 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.
Offline
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 5: 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.
Offline
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.

Required Documents
• Proof of Age
• Proof of Income (Income Certificate)
• Proof of Occupation
• Aadhaar
• Bank Details (Aadhaar Seeded)
• Death Certificate / Certificate of Disability (case specific)

Frequently Asked Questions
Q: What defines ‘permanent disability’ as per this scheme?
A: For the purpose of this scheme, "permanent disability" means the loss of two eyes or two limbs.

Q: What is the maximum financial assistance provided for death due to natural causes?
A: A financial assistance of [?]20,000 is provided for death occurring from a natural cause.

Q: Are there any benefits for the children of the applicant?
A: 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).

Q: I am a 45 year old khadi weaver. I seek to know if I am too old to apply for the scheme?
A: The upper age limit in this scheme is 59 yea[?] You are therefore eligible to apply.

Q: Do I need to be from a particular state in order to be eligible for this scheme?
A: The scheme is equally applicable to citizens across all the states of India.

Q: Is partial disability covered under this scheme?
A: Yes, partial disability, i.e. loss of one eye or one limb is completely covered in KKJBY.

Q: Is partial disability covered under this scheme?
A: Yes, partial disability, i.e. loss of one eye or one limb is completely covered in KKJBY.

Q: By what means shall I be receiving the benefits of the scheme?
A: The scheme is under the LIC so it will be LIC who issues the benefit to the nominee of the deceased person.

Q: I seek to know the breakup of the premium contribution?
A: Artisan - [?] 12.5, Khadi Institution - [?] 25, KVIC - [?] 12.5
Social Security Fund administered by LIC - [?] 50.

Q: Is the application process online?
A: At the moment, the scheme only supports offline process of application.