📌 What is Bima Sakhi Yojana?
The Bima Sakhi Yojana is a government initiative under the Ministry of Rural Development to empower SHG (Self Help Group) women by training them as insurance facilitators in rural areas. These women, called Bima Sakhis, help rural people enroll in government insurance schemes like
- PM Jeevan Jyoti Bima Yojana (PMJJBY) – Life insurance ₹2 lakh
- PM Suraksha Bima Yojana (PMSBY) – Accident insurance ₹2 lakh
🎯 Main Objectives
- Provide rural women with employment and skills
- Promote insurance awareness in villages
- Increase the number of people enrolled in life and accident insurance
- Assist villagers in claim filing and renewal
👩🦰 Who Can Become a Bima Sakhi?
To apply:
- You must be a woman SHG member
- Age between 18 to 50 years
- Must be from the same village
- Should have basic literacy
- Willing to undergo training
📚 Training Program
- Duration: 2 to 5 days
- Organized by: LIC and NRLM
- Covers:
- PMJJBY and PMSBY rules
- How to enroll people
- Premium collection
- Claim support
- Reporting and awareness
After training, you will get a certificate and ID card as an official Bima Sakhi.
💰 Earnings / Salary / Incentives
There is no fixed salary, but Bima Sakhis earn incentives for their work:
| Task | Earning |
|---|---|
| New PMJJBY Enrollment | ₹30–₹50 |
| New PMSBY Enrollment | ₹5–₹10 |
| Claim assistance | ₹25–₹50 |
Many Bima Sakhis earn between ₹3,000 to ₹8,000 per month depending on performance.
🧾 How to Apply – Step by Step
- Visit NRLM/SHG Office at Panchayat or Block level
- Fill the Bima Sakhi Registration Form
- Submit Aadhaar, SHG proof, Bank details
- Attend training session
- Receive certificate and ID
- Start enrolling people in insurance schemes
🌟 Benefits of the Scheme
For Women:
- Skill development
- Financial independence
- Social respect
For Villagers:
- Easy access to insurance
- Help with claim filing
- Regular reminders for renewal
🏆 Success Stories
Many rural women across states like UP, Odisha, Bihar are earning and helping their community through this scheme. Some have helped hundreds of people get claims of ₹2 lakh by guiding them through the process.
🏢 Organizations Involved
- Ministry of Rural Development
- LIC (Life Insurance Corporation of India)
- State Rural Livelihood Missions (SRLMs)
- Public sector banks
🌍 Where to Get the Form
- From local NRLM office
- SHG Federation
- Some states may have online registration on SRLM portals
- Website: https://nrlm.gov.in
📞 Important Contacts
| Helpline | Number |
|---|---|
| NRLM Helpline | 1800-11-6446 |
| LIC Helpline | 022-6827 6827 |
| Official NRLM Email | [email protected] |
🔮 Future Plans
- Mobile app tracking
- Digital claim process
- Expansion across all villages
- Linking with Digital India & Jan Dhan Yojana
📝 Conclusion
The Bima Sakhi Yojana is not just a job program — it’s a women empowerment and rural protection mission. It helps poor people get insured and gives women a meaningful, respectable livelihood in their own village.
If you are a part of a Self Help Group, you should definitely consider becoming a Bima Sakhi to serve your community and earn a regular incom
