LIC Aam Aadmi Bima Yojana 2022: Apply Online, View Application Status, Benefits

LIC Aam Aadmi Bima Yojana Application Form, LIC Aam Aadmi Bima Yojana Online Application, Claim Form PDF, View Application Status and Benefits

To assist the rural landless families, LIC is running the Aam Aadmi Bima Yojana. The landless families of the lower class in rural regions, such as fishermen, car drivers, cobblers, etc., would get financial help under this scheme in the form of life insurance, along with other services. So, dear friends, please read this article through to the end to get all the details about the LIC Aam Aadmi Bima Yojana 2022, including eligibility requirements, required documentation, and the application procedure.

LIC Aam Aadmi Bima Yojana 2022

This scheme is a social security scheme which will offer life insurance benefits to the head of a landless household in a rural region of the states or to a family member who is employed to give coverage for partial and permanent incapacity. The participants of this LIC Aam Aadmi Bima Yojana 2022 would get the premium on a yearly basis. Under this plan, the owner of an accidental death/disability coverage won’t be required to pay a premium. Beneficiaries who are interested in participating in this scheme must submit an application. If a person passes away from natural causes under the Aam Aadmi Bima Yojana 2022, LIC would give his family a lump sum insurance payment of Rs 30,000. This strategy also offers advantages for scholarships.

LIC Aam Aadmi Bima Yojana

LIC Aam Aadmi Bima Yojana Objective

This scheme’s primary goal is to offer life insurance to members of low-income households. Every person of the nation will be able to secure insurance through this scheme. Financial help would be offered under the LIC Aam Aadmi Bima Yojana in the event of both death and incapacity. The recipient’s family will be given a sum ranging from Rs 30,000 to Rs 75,000 if the beneficiary registered under this scheme passes away or becomes handicapped. Through this scheme, low-income families will receive assistance in fending off financial aid that may be due to a family member’s passing or their handicap.

How will Landless families of rural areas get benefits through LIC Aam Aadmi Bima Yojana?

The government runs a variety of schemes for landless households in rural regions so that such families’ quality of life might be raised. Aam Aadmi Bima Yojana was launched with this in mind. Through LIC, this plan will be carried out. This scheme will function as a social security scheme by means of which help will be given to rural landless farmers. If a rural landless farmer’s family head passes away for an untimely reason, this scheme will pay benefits in that case. A person must be between the ages of 18 and 59 in order to qualify for this program’s benefits. In addition, the benefit of this scheme is only available upon the passing of the family head, who is also the family’s primary wage earner. Every beneficiary is required to fill out the application form with information on the nominee. The Panchayat or the nodal department will receive the nomination form. These forms will be sent to LIC together with the claim document in the event of the beneficiary’s death.

Amount to be given under Aam Aadmi Bima Yojana 2022 

Under this scheme, life insurance will be provided under various circumstances, whose complete information we have given below.

Key Highlights Of LIC Aam Aadmi Bima Yojana 2022

Premium to be paid in AABY 2022

If the life insurance coverage is up to Rs 30,000 under this scheme, a yearly premium of Rs 200 is to be paid. The State Government/Union Territory will pay 50% of the premium from the Social Security Fund, and in the case of other professional groups, the Nodal Agency and/or Member and/or State Government/Union Territory will pay the remaining 50% of the premium.

Beneficiaries of LIC Aam Aadmi Bima Yojana

• brick kiln worker
• Cobbler
• fishermen
• Magnification
• beedi worker
• handloom weavers
• Handicraft Artisan
• khadi weavers
• leather worker
• lady tailor
• Physically Handicapped Self Employed Citizens
• papad worker
• milk producers
• auto driver
• rickshaw puller
• sweeper
• forest worker
• urban poor
• paper producer
• agriculturist
• anganwadi teacher
• construction worker
• plantation laborers etc.

Claim for Natural or accidental death

• The nominee of the life assured must submit a claim to LIC following the death of the life assured.
• The candidate must complete and submit a death claim form, as well as a copy of the death certificate, with the form.
• The officer will next confirm the information on the claim form.
• The claim money will be deposited into the beneficiary’s account upon verification.
• A claim form and death certificate must be provided in the event of a natural death.
• Copies of the FIR filed with the local police, the post-mortem report, the police investigation report, and the final police report must be supplied in the event of an accident-related death.

Benefits of LIC Aam Aadmi Bima Yojana 2022

• AABY 2022 not only offers death and disability payments, but also ensures that at least 2 children in the family complete their education without interruption. It will aid disadvantaged families in unorganised regions and rural areas.
• Under this insurance scheme, up to two students in grades 9 through 12 will get a stipend worth Rs 300 each. It will be paid once every six months.
• Under the LIC Aam Aadmi Bima Yojana 2022, the nominee will get Rs 30,000 in the event of a member’s natural death while the family’s insurance is in effect.• The insurance states that the nominee will get 75,000 if the registered individual dies as a result of an accident or incapacity.

Ineligibility of LIC Aam Aadmi Bima Yojana

• suicide
• self inflicted
• mental illness
• pregnancy or childbirth
• war or related crisis
• Medical expenses due to an accident
• Injury or death caused by criminal activities that violate the law
• Injury or death due to participation in dangerous sports
• Injury or death caused by chemical, biological or radioactive weapons

Eligibility for LIC Aam Aadmi Bima Yojana 2022 scheme

• The applicant must be a resident of India and must be between the ages of 18 and 59.
• To be eligible for this scheme, the applicant must be below the poverty line (BPL).
• Families belonging to any of the occupational categories indicated in the scheme who are just above the poverty line.
• Families living in rural areas without access to land will also be deemed eligible under this scheme.
• There should only be one wage earner in the family, and the beneficiary should be the head of the household.

Documents required for LIC Aam Aadmi Bima Yojana 2022

• Aadhaar Card of the applicant
• ID card issued by government department
• Ration card
• Birth certificate
• proof of school certificate
• Voter ID
• mobile number
• passport size photo

How to apply online for LIC Aam Aadmi Bima Yojana 2022

The interested beneficiaries of the country who want to apply online under this scheme should follow the method given below.

• First of all you have to go to the official website of LIC. 
• On this home page, click on the option Apply online.
• After clicking on the option, the application form will open in front of you. 
• Fill all the information asked in this application form.
• Then, click on the submit button. In this way you will be applied.

How to apply LIC Aam Aadmi Bima Yojana offline?

• Interested beneficiaries must first visit the LIC’s nodal agency in order to submit an offline application for this plan. After that, you must go there and pick up an application.
• You must complete the application form after receiving it and entering all the requested information. After completing out the application form completely, you must attach any required supporting documentation.
• After that, you must deliver the application to the LIC office. Your offline application will be completed in this manner.
• More information about Aam Aadmi Bima Yojana can be obtained by calling or SMS on the number given here: SMS LICHELP <POL.NO.> TO 9222492224 OR SMS LICHELP <POL.NO.> TO 56767877

Claim procedure in case of disability

• In this case the claim will be made by the insured himself.
• For filming all the important documents have to be submitted by the beneficiary along with the claim form.
• Important documents include the following documents.

·         documentary proof of accident

·         medical certificate

• Medical certificate should be the proof of disability of the insured.
• After this the claim form will be verified by the officer.
• After successful verification, the claim amount will be credited to the beneficiary’s account.

Claim Process for Scholarship Benefit

• Children of insured individuals will also get scholarships via the LIC Aam Aadmi Bima Yojana. The monthly scholarship payment will be Rs 100. This scholarship will be given out six months apart. To receive the scholarship, the recipient must submit a claim every six months. This is how the claiming procedure works. Application form for scholarship benefit to be filled by the child of the insured.
• This form will be filled every 6 months.
• After the form is submitted, the form will be verified by the nodal officer.
• The list of all the students will be sent to the Pension & Group Scheme of LIC after verification by the Nodal Officer.
• This list will contain the following information related to the students.

·         Name of Student

·         name of school

·         student’s class

·         bill member name

·         policy number of the insured

·         bank account details

• After the successful verification of the form, the scholarship amount will be disbursed to the beneficiary’s account.
• Scholarship is availed on six monthly basis on 1st January and 1st July every year.
• After the successful verification of the form, the scholarship amount will be disbursed to the beneficiary’s account.

LIC Aam Aadmi Bima Yojana Claim Process

• The central government transfers the claim funds under this scheme via NEFT to the beneficiary’s account; if NEFT is not an option, the claim funds are transferred to the beneficiary’s account with the officer’s consent.
• In the event of an accident, the beneficiary himself may claim this sum; in the event of a death, the beneficiary’s nominee may also claim this sum.
• The nominee must present the death certificate while the filming is taking place.
• In addition, a document attesting to the dead person’s status as the family’s breadwinner must be submitted.
• The insured individual must file a claim under this scheme in the event of disability.
• The insured will be required to provide all pertinent paperwork with the claim.
• In addition, in case of disability, it is mandatory to submit a certificate issued by the Government Civil Surgeon or the Government Orthopaedician, in which it should be written that the disability is due to an accident.
• In case of disability, it is mandatory for the beneficiary to submit documentary evidence of the accident.

Claim procedure to claim scholarship amount

• The recipient shall complete the application form and submit it to the nodal department once every six months. The nodal department will determine who the benefit student is.
• After that, the nodal department will send the appropriate P&GS unit a list of all qualified beneficiary kids.
• This list will include all of the pupils’ information.
• Every year, on the firsts of July and January, LIC will use NEFT to send the scholarship money to the student’s account.