Life Insurance January 21, 2021

The people who belong to lower-income groups can buy the Janashree Bima Yojana (JBY) life insurance policy to protect themselves financially in case of death, total disablement and partial disablement. The Government of India launched this scheme in 2000 to support 45 occupational groups.

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Approved Vocation & Occupational Groups for Janashree Bima Yojana (JBY)

If you want to avail of this scheme, you need to be among the following groups.

Vocation GroupOccupational Group
Workers of

  1. Foodstuffs such as Khandsari

  2. Textile

  3. Manufacture of wood items

  4. Manufacture of paper items

  5. Manufacture of leather products

  6. Printing

  7. Rubber and coal

  8. Chemical products

  9. Mineral products

  10. Firecracker

  11. Construction

  12. And other related cottage industries identified by Nodal Agencies & approved by LIC


  1. Beedi workers

  2. Brick Kiln Workers

  3. Carpenters

  4. Cobblers

  5. Fisherman

  6. Hamals

  7. Handicraft Artisans

  8. Handloom and Khadi Weavers

  9. Lady Tailors

  10. Leather and Tannery Workers’

  11. Papad Workers attached to ‘SEWA’

  12. Physically Handicapped Self- employed Persons

  13. Primary Milk Producers

  14. Rickshaw Pullers

  15. Auto Drivers

  16. Safai Karmacharis

  17. Salt Growers

  18. Tendu Leaf Collectors

  19. Forest Workers

  20. Sericulture

  21. Toddy Tappers

  22. Powerloom Workers

Note – The scheme is also available for the urban poor and women in remote rural hilly areas besides the above group.

Benefits of Janashree Bima Yojana (JBY)

Death Benefit (Natural) – If the insured person dies during the policy term, the nominee of the policy will be entitled to a benefit of INR 30,000. This benefit amount will be paid in a lump sum, provided the policy is in force at the time of death and all due premiums are paid till that time. The death benefit amount of INR 30,000 will be valid in the case of natural death only. The insurer may require the insured person’s death certificate to process the claim. And if all the documents are proved to be true, the claim amount will be disbursed to the beneficiary bank account.

Death Benefit (Accident) – If the cause of death of the life insured is an accident, the nominee will receive an amount of INR 75,000. To claim this death benefit, the claimant needs to submit the following documents to the insurer –

  1. A copy of FIR
  2. Postmortem Report
  3. Police Inquest Report (Panchanama)

Total Permanent Disability – In case the life assured becomes disabled due to an accident, the insurer will pay a compensation amount equivalent to INR 75,000. And you will be eligible to claim this benefit only if you submit the following proof –

  1. Certificate of doctor certifying total permanent disability
  2. Claim form-cum discharge receipt
  3. A copy of FIR

Partial Permanent Disability – If the accident causes only a partial permanent disablement to the insured, the insurer will pay an amount of INR 37,500. And for this, you need to submit a certificate of doctor certifying partial permanent disability plus the duly filled claim form, discharge receipt, and the copy of FIR.

Important Points

  1. You should ensure that the claim form is properly filled and supported by valid documents
  2. Your bank account will be authenticated by the nodal agency
  3. After that, the nodal agency will stamp the form with the LIC member ID and policy number
  4. Later, they will forward it to LIC’s claim processing unit where the public life insurance
  5. To get acceptance from LIC, you should forward all your claims within 6 months from the date of arising of claims

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