Bima Sakhi Yojana 2025 : Empowering Rural Women & Spreading Insurance Awareness

Bima Sakhi Yojana 2025 : Empowering Rural Women & Spreading Insurance Awareness

The Bima Sakhi Yojana is a unique rural empowerment initiative launched by the Ministry of Rural Development, Government of India. The scheme aims to train Self-Help Group (SHG) women to become insurance facilitators (Bima Sakhis) in their local communities. These women help rural citizens enroll in vital government insurance schemes like:

• Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) – ₹2 lakh life insurance

• Pradhan Mantri Suraksha Bima Yojana (PMSBY) – ₹2 lakh accident insurance

Objectives of Bima Sakhi Yojana

• Provide employment opportunities to rural SHG women

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• Promote insurance literacy and awareness in villages

• Increase rural participation in life and accident insurance schemes

• Offer support for claim filing, enrollment, and premium payments

• Ensure continuity and renewal of insurance policies

Who Can Become a Bima Sakhi?

To apply for this role, a woman must:

• Be a member of a Self-Help Group (SHG)

• Be 18 to 50 years old

• Belong to the same village where she will work

• Be basically literate

• Be willing to undergo training provided by the scheme authorities

Training Program

All selected applicants undergo a structured training program:

• Duration: 2 to 5 days

• Organized by: Life Insurance Corporation (LIC) & National Rural Livelihood Mission (NRLM)

• Training Modules Include:

  • Details of PMJJBY & PMSBY

  • Insurance premium handling

  • Claim support procedures

  • Reporting and documentation

  • Conducting awareness drives

After training, each woman receives an official ID card and certificate to operate as a Bima Sakhi.

Earnings & Incentives

Bima Sakhis are not salaried employees but receive performance-based incentives for each task. Approximate earnings:

A Bima Sakhi can earn anywhere from ₹3,000 to ₹8,000 per month depending on performance and outreach.

Application Process – Step-by-Step

1. Visit your local NRLM/SHG office at the Panchayat or Block level

2. Fill out the Bima Sakhi application form

3. Submit documents such as:

   • Aadhaar card

   • SHG membership proof

   • Bank account details

4. Attend the mandatory training session

5. Receive your official certificate and Bima Sakhi ID

6. Begin your work of enrolling villagers in insurance plans

Benefits of the Scheme

For Women:

• Skill development

• Financial empowerment

• Increased respect and leadership in the community

For Villagers:

• Easier access to affordable insurance

• Guidance during policy renewals and claim filing

• Greater awareness of financial protection

Real-Life Impact

Many women in states like Uttar Pradesh, Bihar, and Odisha have already benefited. Some have helped entire villages get enrolled and assisted families in receiving ₹2 lakh insurance claims after unfortunate events — creating a real difference in people’s lives.

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

• Local NRLM or SHG offices

• SHG federations

• Some states offer online registration via SRLM portals

• Official Website: https://nrlm.gov.in

Helpline Numbers

• NRLM Helpline: 1800-11-6446

• LIC Customer Service: 022-6827-6827

• Email: info@nrlm.gov.in

Future Plans

• Mobile app for real-time tracking

• End-to-end digital claim filing

• Linking with Digital India and Jan Dhan Yojana

• Expansion to all Indian villages

Conclusion

The Bima Sakhi Yojana is more than just a rural employment scheme. It is a women-led financial empowerment movement that provides social security to the underprivileged while creating dignified livelihoods for rural women. SHG members are encouraged to apply and take a leading role in securing their community’s future.