JBY (Janashree Bima Yojana Scheme)


Janashree Bima Yojana (JBY) is a significant initiative introduced by the Indian government in collaboration with the Life Insurance Corporation of India in the year 2000. This scheme aims to provide life insurance coverage to both urban and rural residents, with a special focus on individuals living below the poverty line (BPL). Given that a substantial percentage of the Indian population comprises workers who earn their livelihood through daily wages, meeting basic necessities can be a challenging struggle for them. Consequently, addressing the needs of these vulnerable sections of society, the JBY scheme has become a crucial step towards social welfare and financial security.

Understanding the Janashree Bima Yojana Scheme

The Janashree Bima Yojana is an umbrella program that encompasses two main components: the Rural Group Life Insurance Scheme and the Social Security Group Insurance Scheme. These schemes together cover 45 distinct occupational groups, providing life insurance benefits and financial support for various situations.

Benefits of the Janashree Bima Yojana Policy

The JBY policy offers an array of benefits to its beneficiaries, providing much-needed financial security during difficult times. Some of the key benefits include:

1. Death Benefit: In the unfortunate event of the member’s natural demise, the legal heir receives Rs. 30,000, and in the case of an accidental death, the amount increases to Rs. 75,000.

2. Disability Benefit: If the member suffers from permanent total disability due to an accident, they receive Rs. 75,000.

3. Loss of Eyes and Limbs: The beneficiary is entitled to Rs. 75,000 if they lose both eyes, hands, and legs, or one eye and one limb due to an accident. In case of loss of an eye or a limb, the beneficiary receives Rs. 37,500.

4. Maternity Benefits: Registered domestic workers are eligible for Rs. 5,000 in maternity benefits.

5. Female Critical Illness (FCI) Benefit: Women diagnosed with invasive malignancies in specific anatomical areas can claim a treatment fee of Rs. 20,000.

6. Scholarships: Children of JBY members pursuing education in grades 11 or 12 can receive a scholarship of Rs. 600 every six months, provided the family has two children.

Premium and Coverage of Janashree Bima Yojana

The premium for the Janashree Bima Yojana is a nominal amount of Rs. 200 per member. Fifty percent of the premium is paid by the applicant, the state government, or a nodal organization, while the remaining 50% is covered by the Social Security Fund. Nodal agencies, such as self-help organizations, NGOs, panchayats, etc., play a crucial role in implementing and administering the scheme.

The JBY scheme covers individuals between the ages of 18 and 60 years who are living in poverty or just above the poverty line. To be eligible, a minimum of 25 people should form a group, preferably belonging to a nodal organization or professional group.

Exclusions of the Janashree Bima Yojana

While the JBY scheme offers comprehensive coverage for various situations, certain conditions are excluded from the policy. These include:

1. Pre-malignant tumours.
2. Carcinoma in situ.
3. Cervix dysplasia (CIN I, CIN II, CIN III)

How to apply for Janashree Bima Yojana (JBY) Scheme Online

Applying for the Janashree Bima Yojana (JBY) Scheme Online is currently not possible. However, you may apply via the nodal organisation or the self-help organisation to which they belong. Any LIC office could be used as an additional application medium.

The Janashree Bima Yojana aims to provide insurance coverage to workers and their family members who are socially and economically disadvantaged. This programme helps women and children financially as well.

Impact and Success of Janashree Bima Yojana

The Janashree Bima Yojana has been instrumental in providing financial security and social welfare to millions of vulnerable individuals across India. By targeting the underprivileged population, the scheme has mitigated the financial burden during challenging times and provided support for crucial needs like children’s education.


The Janashree Bima Yojana has emerged as a powerful tool for empowering the underprivileged and addressing the challenges faced by workers living in poverty. Through its comprehensive life insurance coverage and social security benefits, the scheme has offered a glimmer of hope and financial stability to those who need it the most. As India progresses towards a more inclusive and prosperous society, the JBY scheme stands as a testament to the government’s commitment to uplifting the marginalized and ensuring a brighter future for all. However, continuous efforts and improvements are necessary to make the program even more effective and impactful in the years to come.

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