Aam Aadmi Bima Yojana Health Scheme

Under the Aam Aadmi Bima Yojana, eligible individuals will get coverage during the following situations: 

1. Natural death: While making a claim, the deceased’s death certificate has to be provided. 
2. Accidental death: When filing a claim, a medical certificate identifying the cause of death as an accident will be needed. 
3. Partial Disability or Permanent Total Disability: While claiming, a medical certificate from a government physician describing the nature of the disability will be needed.  

The benefits offered under the Aam Aadmi Bima Yojana are mentioned in the table below: 

What is Not Covered under Aam Aadmi Bima Yojana?

The following situations are not covered under the Aam Aadmi Bima Yojana:  

1. Hospitalisation expenses 
2. Suicide 

1. Participating in dangerous adventure sports 
2. Death/disability due to substance abuse 
3. Death or disability due to mental disorders 
4. Death or disability due to warlike circumstances 
5. Engaging in illegal activities 

Aam Aadmi Bima Yojana Registration Online:

Enrolling in the Aam Aadmi Bima Yojana is not the same as purchasing a regular insurance plan. To enrol in this scheme, you need to visit the nodal agency designated to handle the enrolling procedure. A nodal agency is any institutional arrangement designated by the state/central government or a union territory of India. You can also do the registration process online through the official website of the Life Insurance Corporation of India (LIC).  

Aam Aadmi Bima Yojana Offline Registration:

To apply for the Aam Aadmi Bima Yojana, follow the steps mentioned below: 

Step 1: Collect an application form from the nearest nodal agency. 

Step 2: Fill in the requested information. 

Step 3: Include copies of all required documents with your application form. 

Step 4: Submit the application form along with the documents to your nearest LIC office.  

When registering in the Aam Aadmi Bima Yojana scheme, the nominee must be mentioned as it is important while claiming. If the nominee of the policy is not clearly mentioned, the family member might not be eligible to avail the benefits. 

Eligibility Criteria for Aam Aadmi Bima Yojana: 

To enrol in the Aam Aadmi Bima Yojana scheme, you need to meet the following eligibility conditions: 

1. Age at entry: The applicant must be aged between 18 years and 59 years. 

1. Members covered: Only one family member will be qualified for coverage. They must be the head of the family.  
2. Income: The applicant must come from a family that is below the poverty line (BPL). Families with incomes just above the poverty line who belong to one of the vocational groups and individuals from rural landless households are also eligible for this scheme.  

Documents Required for AABY: 

You need the following documents to apply for the Aam Aadmi Bima Yojana: 

1. Application form 

1. Nomination application form 
2. Income certificate
3. Proof of address 
4. Proof of identity 

Occupations Covered under Aam Aadmi Bima Yojana:

How to Claim Aam Aadmi Bima Yojana?

The claim process for the Aam Aadmi Bima Yojana scheme is simple and hassle-free. You can make a claim in the following four circumstances: 

Death Claim Process:  

In the event of death, the nominee must file a claim using a death certificate. When a beneficiary passes away, the Aam Aadmi Bima Yojana scheme should still be active. The claim must be filed to the Nodal Agency official who will complete the verification process. During the process, the official will confirm that the deceased individual was an earning member of a Below Poverty Line (BPL)/Marginally Above BPL family. The deceased person's occupation will also be considered. 

The following documents are required to file a death claim: 

1. Form for Aam Admi Bima Yojana Death Claim 

1. Original and duplicate death certificates 

Accidental Death Claim Process: 

The accidental death claim process is identical to that of natural death. In addition to the claim form and death certificate, the following documents will be needed: 

1. FIR copy 
2. Police Inquest Report 

1. Police Conclusion Report 
2. Post Mortem Report 

Disability Claim Process: 

If an individual has a total or partial disability, they can file a disability claim under the Aam Aadmi Bima Yojana. To file a disability claim, you must also provide supporting documentation that can help verify your condition. The documents required are as follows: 

1. Proof of the accident: police report, video recording, or photographs. 

1. Medical certificate granted by a Government Civil Surgeon/qualified Orthopaedician detailing the specifics of the accident, such as the type of disability and limb loss of the scheme member. 

Scholarship Claim Process: 

You have to fill Aam Aadmi Bima Yojana Scholarship online application form and submit it to the designated Nodal Agency. The Nodal Agency will choose the qualified students. Under this scheme, Rs.100 will be paid to a child per month. The student list will subsequently be sent to the respective P&GS section. There will be information about the students, including: 

1. Student’s name 
2. The class in which the student is enrolled 

1. School's name 
2. Policyholder’s name 
3. AABY master policy number 
4. Membership number 
5. NEFT details 

Eligible students will receive financial benefits in their accounts on 1 July and 1 January every year through NEFT. If any such account does not exist, alternative payment methods will be considered. The Aam Aadmi Bima Yojana Scholarship is limited to a beneficiary’s two children who are studying between 9th and 12th standard. 

Benefits of Aam Aadmi Bima Yojana:  

The benefits offered under the Aam Aadmi Bima Yojana are as follows: 

1. Coverage for natural death: The Aam Aadmi Bima Yojana has an entry age of 18 to 59 years. If a member passes away from natural causes, LIC will pay a death claim of Rs.30,000 to the nominee. 
2. Coverage for accidental death: Under this scheme, the nominee will receive an insurance cover of Rs.75,000 in the event of the member’s accidental death.  
3. Coverage for disability: Members of the Aam Aadmi Bima Yojana will receive Rs.37,500 for permanent partial disability and Rs.75,000 for permanent total disability as a result of an accident. 
4. Extra Benefit: In addition to death and disability benefits, the Aam Aadmi Bima Yojana offers monetary benefits so that at least two children in the household continue to get an education without interruption. Eligible children studying between 9th and 12th standard will receive Rs.100 per month on a half-yearly basis.  

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST