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1. Introduction
A Group
Insurance Scheme for khadi workers, namely, “Khadi Karigar Janashree
Bima Yojana” was launched during X Five Year Plan through KVIC on 15th
August 2003 By the Government of India (in the erstwhile Ministry of Small
Scale Industries and Agro & Rural Industries), with LIC of India as insurers. The Scheme covers spinners,
weavers, pre-spinning artisans and post-weaving artisans engaged in the
khadi sector. This scheme, like other Group Insurance Schemes, does not
have any terminal benefit for the beneficiaries as this is not a Life
Insurance Scheme. The scheme
provides only risk cover for death/disability and the worker is not
entitled to get any returns on the premium paid by him or paid on his
behalf by KVIC/khadi institutions, if he survives the entire period of
insurance.
2.
Benefits under the scheme
This
scheme initially provided each artisan with risk cover of upto (i) Rs.
20,000 for natural death and Rs. 50,000 for death due to accident, (ii) Rs.
50,000 for permanent disability (loss of two eyes/limbs of use) due to
accident, and (iii) Rs. 25,000 for partial disability upto 2005-06 while
w.e.f. 2006-07 the LIC of India
has enhanced risk cover for the khadi artisans and the revised risk cover
provided to each artisan is (i)
Rs. 30,000 for natural death and Rs. 75,000 for death due to accident,
(ii) Rs. 75,000 for permanent disability (loss of two eyes/limbs of use)
due to accident, and (iii) Rs. 37,500 for partial disability, without
charging any additional cost
either to the beneficiary or to the Government of India.
The
Shiksha Sahayog Yojana is add-on coverage under JBY, without any
additional premium. The wards
of the khadi artisans (benefit restricted to two children per
member/family) covered under the JBY are entitled to receive upto Rs. 1200
per annum per ward towards tuition fee under the Shiksha Sahayog Yojana.
This benefit is only for wards studying in classes IX to XII,
including those studying in Industrial Training Institutes (ITI).
3.
Amount of Premium
The annual premium payable for each khadi artisan insured initially
was @Rs.200/- during the years 2003-04 and 2004-05.
On taking up the matter by KVIC, the LIC agreed to reduce the
annual premium payable to Rs.100/- from the year 2005-06 onwards and
during 2006-07 also, the premium payable has been fixed at @Rs.100/-. The
annual premium per artisan under JBY is shared as under:
|
Share
borne by
|
Amount
of Annual Premium (Rs.)
|
|
|
From
15th August, 2003 to 14th August, 2005
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15th
August, 2005 onwards
|
|
Artisan
|
25.00
|
12.50
|
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Social
Security Fund of Government of India
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100.00
|
50.00
|
|
KVIC
|
25.00
|
12.50
|
|
Khadi
Institution concerned (employers of khdi workers)
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50.00
|
25.00
|
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Total
Premium
|
200.00
|
100.00
|
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4.
COVERAGE OF BENEFICIARIES AND COST OF COVERAGE
(Rs. in lakhs) |
|
Period
(1)
|
Artisans
covered
(Number of persons)
(2)
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Premium
paid to LIC as share of KVIC, Khadi institutions and
beneficiaries
( Rs. lakh)
(3)
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Contribution
drawn by LIC from
the Social Security Fund of Government of India
( Rs. lakh)
(4)
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Total
Premium paid[Sum of columns
(3) & (4)]
( Rs. lakh)
(5)
|
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1st year
– 15.08.2003 to 14.08.2004
|
1,17,337
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117.34
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117.34
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234.68
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2nd year
– 15.08.2004
to 14.08.2005
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1,76,951
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176.95
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176.95
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353.90
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3rd year
– 15.08.2005 to 14.08.2006
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2,14,128
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107.06
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107.06
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214.12
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4th
year - 15.08.2006
to 14.08.2007
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2,25,900
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112.95
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112.95
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225.90
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Total 10th
Plan
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7,34,316
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514.30
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514.30
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1028.60
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5. Age-wise
coverage of artisans for the third phase
(dURING 15.08.2005 TO 14.08.2006)
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18 to 25 years
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27,073
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26 to 35 years
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57,184
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36 to 45 years
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70,452
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46 to 59 years
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59,419
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Total
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2,14,128
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| 6.
NUMBER OF CLAIMS SETTLED
AND MONETARY BENEFITS PROVIDED
|
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Total Educational claims settled since 2003-04
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16679
Nos.
|
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Total Death claims settled since 2003-04
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310
Nos
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Total
monetary benefits since 2003-04
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Rs.2.64
crore
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7. SCHEME MANAGEMENT
·
The scheme is first of its kind in the country
covering such a big number of artisans in the unorganized sector
and has been successful.
·
Though initially there were certain problems to
mobilize the artisans in considerable number from all over India
and also with regard to preferring the claims by a number of Khadi
institutions, the progress achieved has been commendable.
·
With the experience gained by the LIC of India and
KVIC, both the agencies simplified the operational modalities. The
field offices of KVIC now need to deal with one designated unit of
LIC for taking service of the scheme. The State/Divisional
Directors of KVIC have been authorized to countersign and to
furnish the list to such of LIC designated offices and whenever
claims arise they are being settled on the basis of this list.
·
Both KVIC and LIC nominated the Nodal Officers at
their respective Central Offices to attend to queries, problems
etc. faced by field offices of KVIC, LIC and Khadi institutions.
They are free to contact these nodal officers directly.
·
Periodical review of the scheme is taking place
amongst Director (Khadi Coordination) and Executive Director of
LIC as to the settlement of claims etc.
·
A Joint Communiqué has been issued simplifying the
procedure adopted by the field offices of KVIC and LIC for quick
settlement of issues.
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