Jan Samuh Bima Yojana Rajasthan Group Insurance
Overview
Jan Samuh Bima Yojana is a group insurance scheme offered by the Rajasthan government to provide affordable life and accident insurance coverage to residents, especially those from lower-income groups who typically lack access to formal insurance products.
The group insurance model pools risk across many members, which dramatically reduces individual premium costs and makes coverage practical for rural and economically weaker households.
Objective
The scheme aims to extend meaningful social security coverage to uninsured residents of Rajasthan. It provides a financial cushion to families when they lose a breadwinner or when a member suffers an accident or disability.
By working through groups such as cooperatives and SHGs, the scheme builds on existing community structures to deliver welfare at scale.
Benefits
- Life insurance coverage at a subsidized group premium rate
- Accidental death and disability benefits included
- Coverage for natural death as per applicable policy terms
- Benefits disbursed directly to the registered nominee
Eligibility
- Resident of Rajasthan within the eligible age group specified
- Must be enrolled through a recognized group such as a cooperative, SHG, or government-recognized association
- Premium contribution must be within the prescribed limit
Exclusions
- Individuals not part of a recognized group eligible for enrollment
- Deaths or disabilities due to pre-existing conditions during the waiting period
- Suicide or self-inflicted harm
- Claims filed after the prescribed deadline
Application Process
Enrollment is done through the group organizer such as a cooperative or SHG leader who aggregates member applications and forwards them to the insurance company or state nodal agency.
Individuals should contact their local group leader or the district insurance office for enrollment details and premium payment procedures.
Documents Required
- Proof of group membership (cooperative or SHG card)
- Aadhaar card and identity proof
- Proof of Rajasthan residency
- Nominee details and relationship proof
- Bank account information
- Passport-size photograph
