The Ministry of Micro, Small and
Medium Enterprises has been implementing a group insurance scheme namely Khadi
Karigar Janashree Bima Yojana (JBY) since 2003-04 to provide insurance cover to
khadi artisans. The Scheme was formulated by Khadi and Village Industries
Commission (KVIC) in association with the Life Insurance Corporation of India (LIC) with annual premium of Rs.100/- per beneficiary which is shared in the ratio of Rs. 50/- by
the Central Government from Social Security Fund, Rs. 25/- by the Khadi
Institution and Rs. 12.50/- each by Khadi Artisan and KVIC. The scheme is
available for artisans in the age group between 18 years to 59 years. The
compensation available under the Scheme are as under:
In
case of natural death :
Rs. 30,000/-
In case of
accidental death :
Rs. 75,000/-
In case of
full permanent disability due to accident : Rs.
75,000/-
In
case of part permanent disability due to accident :
Rs. 37,500/-
As an ‘add-on’ benefit
without any additional premium, up to two school-going children of insured
artisans studying in Class Nine to Twelve are eligible for a scholarship of
Rs. 100/- each per month.
The number of
artisans covered under the scheme and fund allocated by KVIC during last three
years and current year is given below:
|
Year
|
No.
of artisans covered
|
Allocation*
(Rs.in
lakh)
|
|
2011-12
|
2,74,276
|
1.00
|
|
2012-13
|
2,80,743
|
7.00
|
|
2013-14
|
2,84,056
|
4.00
|
|
2014-15
|
3,00,000
|
90.00
|
*The scheme has the
provision for Experience Rating Analysis (ERA) and lower allocations were made
in the last 3 years as LIC of India adjusted the premium from the saving of
earlier premium paid.
The number of artisans covered under the scheme and the number
of beneficiaries who have been paid the insured amount during the last three
years is given below:
|
Year
|
No. of artisans
covered
|
Claims for
Scholarship
|
Claims for natural
death
|
Claims for accident
death
|
|
No.
|
Amount
(Rs. in lakh)
|
Nos
|
Amount
(Rs. in lakh)
|
Nos
|
Amount
(Rs. in lakh)
|
|
2011-12
|
2,74,276
|
17405
|
196.50
|
225
|
67.95
|
2
|
1.50
|
|
2012-13
|
2,80,743
|
14232
|
160,80
|
178
|
53.40
|
2
|
1.50
|
|
2013-14
|
2,84,056
|
6639
|
103.90
|
97
|
29.10
|
1
|
0.75
|
KVIC has conducted awareness
Camps for the khadi artisans and khadi institutions to promote Jana Shree Bima
Yojana. KVIC has also appointed Nodal Officers in their State/ Divisional
Offices to monitor the implementation of the scheme and ensure receipt of
benefits by eligible artisans.
This
information was given by the Union Minister for Micro, Small and Medium
Enterprises, Shri Kalraj Mishra in a written reply to a question in Lok Sabha
here today.
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RTS/ASB