Bima Yojana for Handicraft Artisans

Bima Yojana for Handicraft Artisans ek social security insurance scheme hai jo traditional handicraft artisans / karigars / shilpis ko aur unke parivaar ko financial protection provide karti hai. Handicraft sector me kaam karne wale log aksar informal sector ka hissa hote hain, jahan regular income aur private insurance cover milna mushkil hota hai. Isi gap ko fill karne ke liye yeh bima yojana launch ki gayi hai.

Is scheme ke under per member life & accident insurance cover diya jata hai, taaki kisi bhi unfortunate event (death ya disability) ke case me family ko financial support mil sake.

🎯 Scheme ka Objective

Bima Yojana for Handicraft Artisans ke main objectives ye hain:

• Handicraft artisans aur unke dependents ko social security dena
• Natural ya accidental death ke case me financial stability provide karna
• Permanent disability ke baad livelihood loss ko partially compensate karna
• Traditional crafts aur artisans ko confidence aur dignity ke saath kaam karne ka support dena

Yeh scheme artisans ke liye ek safety net ka kaam karti hai.

💰 Insurance Coverage Details (Per Member)

Is Bima Yojana ke under milne wala cover clearly defined hai:

⚰️ Natural Death

• ₹30,000 ka life insurance cover
• Agar insured artisan ki natural causes se death hoti hai

🚑 Accidental Death / Permanent Total Disability (PTD)

• ₹75,000 ka insurance cover
• Accident ke kaaran death ya permanent total disability hone par

♿ Permanent Partial Disability

• ₹37,500 ka insurance cover
• Accident ke baad agar artisan ko permanent disability ho jaati hai (but total nahi)

👉 Yeh amount per member applicable hota hai.

👨‍👩‍👧‍👦 Scheme kis-kis ke liye hai (Eligibility)

Bima Yojana for Handicraft Artisans ka benefit lene ke liye generally ye eligibility hoti hai:

• Applicant handicraft artisan / karigar / shilpi hona chahiye
• Applicant ka naam handicraft artisan registration / database me hona chahiye
• Applicant traditional handicraft activities me actively engaged ho
• Applicant resident of the concerned state/India (as per scheme rules)

Common handicraft activities include:

• Handloom & textile crafts
• Pottery & terracotta
• Wood carving
• Stone carving
• Metal crafts
• Embroidery & decorative crafts
• Bamboo & cane crafts

🧾 Covered Members

Is scheme ke under:

• Individual artisan (member) insured hota hai
• Insurance benefit nominee / family ko milta hai (death case me)

👉 Isliye nominee details sahi bharna bahut important hota hai.

🏥 Claim kis situation me milta hai

Insurance claim tab admissible hota hai jab:

• Artisan ki natural death ho
• Accident ke kaaran death ho
• Accident ke baad permanent total disability ho
• Accident ke baad permanent partial disability ho

⚠️ Temporary injuries aam taur par cover nahi hoti (jab tak scheme guidelines me mention na ho).

📄 Required Documents

Bima Yojana for Handicraft Artisans ke liye commonly ye documents chahiye hote hain:

1. Aadhaar Card
2. Handicraft Artisan Registration Certificate / ID
3. Bank Passbook (claim payment ke liye)
4. Nominee details
5. Passport size photo
6. Mobile number

Claim ke time additional documents lag sakte hain:

• Death certificate
• Post-mortem / accident report (accidental cases me)
• Disability certificate (medical board se)

📝 How to Apply for Bima Yojana

Application process state/department-wise thoda vary ho sakta hai, lekin general steps ye hote hain:

✅ Step 1: Artisan Registration

• Sabse pehle artisan ka handicraft registration hona zaroori hai

✅ Step 2: Scheme Enrollment

• Concerned handicraft office / camp / portal ke through Bima Yojana me enrollment

✅ Step 3: Document Verification

• Submitted documents ka verification hota hai

✅ Step 4: Insurance Activation

• Verification ke baad artisan insured member ban jata hai

💸 Claim Process ka Overview

Agar unfortunate event hota hai:

1. Concerned department / insurance office ko inform karein
2. Claim form fill karein
3. Required documents attach karein
4. Verification ke baad insurance amount bank account me transfer hota hai

🌟 Scheme ke Major Benefits

• ✅ Natural death par ₹30,000 cover
• ✅ Accidental death / PTD par ₹75,000 cover
• ✅ Permanent disability par ₹37,500 cover
• ✅ Handicraft artisans ke liye financial security
• ✅ Family ko emergency support
• ✅ Low-income artisans ke liye risk protection

📊 Why this Scheme is Important for Handicraft Artisans

Handicraft artisans:

• Mostly unorganized sector me kaam karte hain
• Regular salary aur employer-provided insurance nahi hota
• Accident-prone activities (tools, machinery, fire, chemicals) me kaam karte hain

Is scheme se:

• Risk cover milta hai
• Family ka future thoda secure hota hai
• Artisans bina dar ke apna kaam continue kar paate hain

❓ Frequently Asked Questions (FAQs)

Q1. Kya is scheme ke liye premium dena padta hai?
👉 Aksar schemes me premium government subsidized hota hai ya nominal hota hai.

Q2. Kya accidental aur natural death dono cover hote hain?
👉 Haan, dono situations cover hoti hain.

Q3. Kya ek artisan ek se zyada bima schemes ka benefit le sakta hai?
👉 Haan, agar rules allow karte hain to multiple schemes possible ho sakti hain.

Q4. Claim settle hone me kitna time lagta hai?
👉 Documents complete hone par generally kuch hafton me claim process ho jata hai.

⚠️ Important Tips for Artisans

• Nominee details regularly update rakhein
• Registration aur enrollment documents safely rakhein
• Accident ke case me immediately report karein
• Medical certificates authorized hospitals se hi banwayein

🔍 Conclusion

Bima Yojana for Handicraft Artisans traditional karigaron ke liye ek bahut hi zaroori social security initiative hai. ₹30,000 natural death, ₹75,000 accidental death/PTD aur ₹37,500 permanent disability jaise benefits artisans aur unke parivaar ko mushkil samay me financial sahara dete hain.
Agar aap ya aapka koi parivaar member handicraft sector se juda hai, to is bima yojana ka benefit lena bahut hi important aur practical decision hai

🌐 More Information

Handicraft schemes, artisan welfare programs aur latest government updates ke liye visit karein:
👉 mitraconnect.com