Khadi Karigar Janashree Bima Yojana
The Khadi Karigar Janashree Bima Yojana offers insurance coverage for khadi artisans against death and disability.
Key facts
| Benefit | Insurance cover for death and disability |
|---|---|
| Who | Khadi artisans aged 18-59 |
| Implemented by | Ministry of Micro, Small and Medium Enterprises |
| Official portal | kvic.gov.in |
| Application window | Open all year for eligible khadi artisans. |
Benefits
The scheme provides financial assistance for natural death, accidental death, and disability, along with scholarships for the children of artisans studying in classes 9 to 12.
Who can apply
- Age 18–59
- For: artisan
- not income tax payer
- no government employee in family
- poor household
Applicants must be khadi artisans aged between 18 and 59 years. They should not be income tax payers, have no government employees in their family, and belong to a poor household.
How to apply
Applications must be submitted offline through the relevant khadi institution.
- Obtain the original death certificate if applicable.
- Gather required documents including proof of age, income, and occupation.
- Submit the documents to the Pension Group Schemes Department of LIC through the khadi institution.
- For accidental deaths, include the police enquiry report with the application.
- Wait for LIC to process the claim and issue payment to the beneficiary.
Documents required
- Proof of Age
- Proof of Income (Income Certificate)
- Proof of Occupation
- Aadhaar
- Bank Details (Aadhaar Seeded)
- Death Certificate / Certificate of Disability (case specific)
Common problems and how to fix them
| Problem | What to do |
|---|---|
| Application rejected | Ensure that all required documents are submitted, including proof of age, income, and occupation. |
| Payment not received | Check with the Life Insurance Corporation of India to confirm the status of the claim and ensure all necessary documentation was provided. |
Frequently asked questions
What is considered permanent disability under this scheme?
Permanent disability is defined as the loss of two eyes or two limbs.
What financial assistance is provided for natural death?
The scheme offers ₹20,000 for death due to natural causes.
Are there benefits for the children of the applicant?
Yes, the scheme provides a scholarship of ₹300 per quarter for up to two children studying in classes 9 to 12.
Is there an age limit for applicants?
The age limit for applicants is between 18 and 59 years, so a 45-year-old khadi weaver is eligible.
Is the application process online?
Currently, the application process is only available offline.
Is partial disability covered under this scheme?
Yes, partial disability, such as the loss of one eye or one limb, is covered.
Always confirm the latest details on the official portal before applying.
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