Bima Sakhi Yojana
Bima Sakhi Yojana is a central government initiative under the Women Self-Help Group (SHG) framework to empower rural women by training them to provide micro insurance services (especially through LIC).
Objectives of Bima Sakhi Yojana
- Promote financial literacy in rural areas
- Provide employment to women SHG members
- Increase insurance penetration in low-income and rural communities
- Strengthen women-led governance and support systems
Key Features of Bima Sakhi Scheme
Feature | Description |
Scheme Name | Bima Sakhi Yojana |
Launched By | Ministry of Rural Development (MoRD) |
Implementing Agency | LIC & SHG via NRLM |
Target Group | Women Self-Help Group (SHG) members |
Purpose | Deliver insurance services in rural areas |
Support | Training + Commission-based income |
Benefits of Bima Sakhi Yojana
For Bima Sakhis
- Skill development through training
- Income from insurance policy enrollments
- Social recognition in villages
- Digital onboarding & claim assistance training
For Rural Communities
- Easy access to insurance
- Awareness about PMJJBY and PMSBY
- Help during claim filing and settlements
Eligibility Criteria
Who Can Become a Bima Sakhi?
- Must be a woman member of an SHG under NRLM
- Age between 20 to 45 years (recommended)
- Should have completed basic literacy and training
- Preferably has a smartphone and basic tech skills
Documents Required
- SHG membership certificate
- Aadhaar card
- Bank account details
- Mobile number linked to Aadhaar
- Basic educational proof (if needed)
How to Apply for Bima Sakhi Yojana
Step-by-Step Process
- Contact local SHG coordinator or Krishi Vigyan Kendra / NRLM center
- Submit required documents
- Attend training programs conducted by LIC/NABARD/Rural Dept.
- Get certified and start operations as a Bima Sakhi
Training & Skill Development for Bima Sakhis
- Conducted under Deendayal Antyodaya Yojana - NRLM
- Training modules include:
Introduction to insurance products (PMJJBY, PMSBY)
Policy enrollment and digital KYC
Claim settlement process
Communication & sales skills
- Introduction to insurance products (PMJJBY, PMSBY)
- Policy enrollment and digital KYC
- Claim settlement process
- Communication & sales skills
Commission and Earning Potential
Activity | Estimated Earnings |
Policy Enrolment | ₹10–₹30 per policy |
Claim Support | Additional support incentive |
Monthly Earnings (Avg.) | ₹2,000 to ₹7,000 depending on performance |
Government Support and Implementation
- Supported by LIC, MoRD, and National Rural Livelihood Mission (NRLM)
- Financial and technological assistance
- Community resource persons and trainers appointed
Bima Sakhi and Insurance Schemes
PM Jeevan Jyoti Bima Yojana (PMJJBY)
- ₹2 lakh cover for ₹436 annual premium
PM Suraksha Bima Yojana (PMSBY)
- ₹2 lakh accidental cover for ₹20 annual premium
Bima Sakhis help people enroll and raise awareness for these schemes.
State-wise Implementation
Provide details if specific states like Bihar, UP, Rajasthan, MP have begun aggressive implementation. You can include tables or recent stats.
Success Stories of Bima Sakhis
Include:
- Case studies
- Testimonials from rural women
- Data on insurance penetration growth due to their role
Latest Updates (2024–2025)
- Government budget allocation for NRLM
- New partnerships with LIC/IRDAI
- Digital tools introduced for Bima Sakhis
FAQs on Bima Sakhi Yojana
- Who can become a Bima Sakhi?
Any SHG woman member who completes training under NRLM.
- Is Bima Sakhi a paid job?
Yes, it is a commission-based role with regular earnings.
- What schemes are covered by Bima Sakhis?
PMJJBY, PMSBY, and other LIC micro insurance products.
- How to get trained for Bima Sakhi Yojana?
Through NRLM training centers or LIC-partnered workshops.
- Can Bima Sakhis help in claim filing?
Yes, they are trained to help with documentation and process.
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