Bima Sakhi Yojana : ಗ್ರಾಮೀಣ ಮಹಿಳೆಯರ ಸಬಲೀಕರಣ ಮತ್ತು ಹಳ್ಳಿಗಳ ಭದ್ರತೆ…!

The Bima Sakhi Yojana is a flagship initiative under the Ministry of Rural Development, designed to empower women from Self-Help Groups (SHGs) by training them as insurance facilitators in rural areas. These women, called Bima Sakhis, play a crucial role in spreading insurance awareness and helping villagers access government insurance schemes.

Through this program, rural women not only gain skills and financial independence but also act as a bridge between government insurance schemes and the rural population.

🎯 Main Objectives of Bima Sakhi Yojana

• ✅ Empower rural SHG women with employment and financial skills.
• ✅ Promote awareness about life and accident insurance in villages.
• ✅ Help villagers enroll in government insurance schemes.
• ✅ Assist in claim filing, premium collection, and policy renewals.

🛡️ Insurance Schemes Covered

Bima Sakhis help villagers access the following key insurance schemes:

1. Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
   • Coverage: ₹2 lakh (Life Insurance)
   • Annual Premium: ₹436
2. Pradhan Mantri Suraksha Bima Yojana (PMSBY)
   • Coverage: ₹2 lakh (Accidental Insurance)
   • Annual Premium: ₹20

👩‍🦰 Who Can Become a Bima Sakhi?

To apply, you must:

• ✅ Be a woman and a member of an SHG (Self-Help Group).
• ✅ Be aged between 18 and 50 years.
• ✅ Belong to the same village where you will work.
• ✅ Have basic literacy skills.
• ✅ Be willing to attend the training program.

📚 Training Program Details

• Duration: 2 to 5 days
• Organized by: LIC & National Rural Livelihoods Mission (NRLM)
• Covers:
  • Rules of PMJJBY and PMSBY
  • How to enroll people and collect premiums
  • Assisting with claims and renewals
  • Reporting and raising awareness

✅ After training, candidates receive a certificate and an ID card, officially designating them as Bima Sakhis.

💸 Earnings & Incentives

Bima Sakhis earn performance-based incentives for their services:

👉 On average, many Bima Sakhis earn between ₹3,000 to ₹8,000 per month depending on their performance.

📝 How to Apply (Step-by-Step Guide)

1. Visit your NRLM/SHG Office at Panchayat or Block level.
2. Fill out the Bima Sakhi Registration Form.
3. Submit required documents:
   • Aadhaar Card
   • SHG membership proof
   • Bank account details
4. Attend the training session organized by LIC & NRLM.
5. Receive your certificate and ID card.
6. Start enrolling people in insurance schemes and earning incentives.

🌟 Benefits of Bima Sakhi Yojana

👩‍🦱 For Women (Bima Sakhis):

• Skill development & financial independence.
• Respect and recognition in the community.
• Opportunity to earn from their own village.

🏡 For Villagers:

• Easy access to insurance schemes.
• Assistance with claim filing and renewals.
• Regular reminders to stay covered.

🏆 Success Stories

In states like Uttar Pradesh, Odisha, and Bihar, hundreds of rural women have transformed their lives as Bima Sakhis. Many have successfully helped villagers claim ₹2 lakh benefits, ensuring financial security for bereaved families.

🏢 Organizations Involved

• Ministry of Rural Development
• LIC (Life Insurance Corporation of India)
• State Rural Livelihood Missions (SRLMs)
• Public Sector Banks

🌍 Where to Get the Application Form?

• From your local NRLM office or SHG Federation.
• Some states may also provide online registration through SRLM portals.
• Visit: https://nrlm.gov.in

📞 Important Contacts

🔮 Future Plans

• Mobile app for tracking enrollments.
• Digital claim process for faster settlements.
• Expansion to all villages nationwide.
• Integration with Digital India & Jan Dhan Yojana initiatives.

✅ Conclusion

The Bima Sakhi Yojana is more than a job opportunity – it’s a mission to empower rural women and secure communities. It helps the poor access life-saving insurance while providing women with a meaningful livelihood and social respect.

If you are a member of an SHG, becoming a Bima Sakhi could be your first step towards transforming your life and your village.