Janshree Bima Yojana for Khadi Artisans India

Overview

The Janshree Bima Yojana for Khadi Artisans is a central government life insurance scheme extended to workers engaged in Khadi production. It provides affordable insurance coverage to artisans who typically work in informal settings and lack access to standard insurance products.

The scheme is implemented through the Khadi and Village Industries Commission (KVIC) with LIC of India as the insurer, ensuring a trusted and widespread delivery mechanism.

Objective

The scheme aims to bring Khadi artisans, most of whom come from rural and economically weaker backgrounds, under the formal insurance umbrella. It protects their families against financial hardship in the event of death or disability.

It also reinforces the government’s support for the Khadi sector by ensuring artisans have a basic social security foundation.

Benefits

• Natural death benefit for the registered nominee
• Higher benefit payout in case of accidental death
• Disability benefit for partial or total permanent disability
• Scholarship component for children of insured artisans under Shiksha Sahyog Yojana

Eligibility

• Artisans registered with KVIC or a recognized Khadi institution
• Age between 18 and 59 years
• Must be actively engaged in Khadi spinning, weaving, or allied activities
• Annual income within the limit specified under the scheme

Exclusions

• Artisans above the age of 59 years at enrollment
• Non-registered workers not affiliated with a KVIC institution
• Death or disability due to suicide or self-inflicted harm

Application Process

Enrollment is done through the Khadi institution or cooperative where the artisan works. The institution forwards consolidated member details to KVIC, which coordinates with LIC for policy issuance and maintenance.

Artisans should confirm annual enrollment status with their institution at the start of each policy year.

Documents Required

• Registration card from KVIC or a recognized Khadi institution
• Age proof (Aadhaar card or school leaving certificate)
• Nominee details and relationship proof
• Bank account information
• Passport-size photograph
• Income certificate if required by the institution