This document summarizes the Indian government's response to questions raised in Lok Sabha regarding the Aam Aadmi Bima Yojana (AABY) in Maharashtra. The questions pertain to the scheme's implementation, beneficiary numbers among Scheduled Castes (SC), Scheduled Tribes (ST), and tribal populations, particularly in Maharashtra's Aspirational Districts, challenges in reaching these communities, and government efforts to improve awareness and enrollment.
The Minister of State for Labour and Employment clarified that AABY, launched in 2007 to provide life and disability cover to individuals aged 18-59 in identified vocations and living below or marginally above the poverty line, was converged with the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Pradhan Mantri Suraksha Bima Yojana (PMSBY) effective June 1, 2017.
Under PMJJBY, a death benefit of Rs. 2 lakh is provided for insured individuals aged 18-50 at an annual premium of Rs. 436. PMSBY offers Rs. 2 lakh for accidental death or total permanent disability and Rs. 1 lakh for partial permanent disability due to accidents for those aged 18-70, with a Rs. 20 annual premium. The individual bears the total premium of Rs. 456 (Rs. 436 + Rs. 20).
As of July 2, 2025, cumulative registrations under PMJJBY and PMSBY are approximately 24.05 crore and 51.85 crore, respectively. In Maharashtra, the corresponding figures are about 1.72 crore and 3.85 crore, respectively. Since AABY has been integrated into PMJJBY and PMSBY since June 1, 2017, no further fund allocation is being made under the AABY scheme.
Key Entities Referenced
Aam Aadmi Bima Yojana: A life and disability insurance scheme launched in 2007 for individuals between 18 and 59 years, living below or marginally above the poverty line in identified vocations/occupations. It has been converged with PMJJBY and PMSBY.
Maharashtra: A state in India, specifically mentioned in the context of the implementation and beneficiaries of Aam Aadmi Bima Yojana and subsequent schemes.
Scheduled Caste: A designated group of historically disadvantaged people in India, referred to in the context of beneficiaries under the Aam Aadmi Bima Yojana.
Scheduled Tribe: A designated group of indigenous people in India, referred to in the context of beneficiaries under the Aam Aadmi Bima Yojana.
Pradhan Mantri Jeevan Jyoti Bima Yojana: A life insurance scheme (PMJJBY) that Aam Aadmi Bima Yojana was converged with, offering life insurance cover.
Pradhan Mantri Surksha Bima Yojana: An accident insurance scheme (PMSBY) that Aam Aadmi Bima Yojana was converged with, providing cover for accidental death and disability.
Gadchiroli: An Aspirational District of Maharashtra, specifically mentioned in relation to SC/ST and tribal beneficiaries covered under Aam Aadmi Bima Yojana and related implementation challenges.
Nandurbar: An Aspirational District of Maharashtra, specifically mentioned in relation to SC/ST and tribal beneficiaries covered under Aam Aadmi Bima Yojana and related implementation challenges.
GOVERNMENT OF INDIA
MINISTRY OF LABOUR AND EMPLOYMENT
LOK SABHA
UNSTARRED QUESTION NO. 3489
TO BE ANSWERED ON 11.08.2025
AAM AADMI BIMA YOJANA
3489. SHRI MOHITE PATIL DHAIRYASHEEL RAJSINH:
DR. AMOL RAMSING KOLHE:
SHRI SANJAY DINA PATIL:
PROF. VARSHA EKNATH GAIKWAD:
SMT. SUPRIYA SULE:
SHRI BHASKAR MURLIDHAR BHAGARE:
Will the Minister of LABOUR AND EMPLOYMENT be pleased to
state:
(a) whether Aam Aadmi Bima Yojana (AABY) is being implemented in
Maharashtra and if so, the number of Scheduled Caste (SC),
Scheduled Tribe (ST) and tribal beneficiaries covered under the
scheme in Maharashtra during the last five years, district-wise;
(b) the details of the number of SC/ST and tribal beneficiaries covered
under the scheme in the Aspirational Districts of Maharashtra,
such as Gadchiroli, Nandurbar, Osmanabad, Washim and others;
(c) whether the Government has identified any implementation
challenges in reaching to SC/ST and tribal populations in the said
districts, including issues related to identification, documentation
or lack of awareness;
(d) the details of the steps taken by the Government to improve
awareness, enrollment and access to AABY among SC/ST and
tribal beneficiaries, particularly in remote or forest areas; and
(e) whether any specific targets or outreach programmes have been
undertaken by the Government to ensure coverage of
marginalised communities under AABY in Maharashtra and if so,
the details thereof?
ANSWER
MINISTER OF STATE FOR LABOUR AND EMPLOYMENT
(SUSHRI SHOBHA KARANDLAJE)
(a) to (e): Aam Aadmi Bima Yojana (AABY) was launched in 2007, to
provide life and disability cover to persons between the age of 18 to
59 years, living below and marginally above poverty line in 47
identified vocations/occupations. AABY has been converged with
Contd..2/-:: 2 ::
Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Pradhan
Mantri Surksha Bima Yojana (PMSBY) with effect from 01.06.2017.
The benefits of Rs. 2 lakh in case of death of insured in the age group
of 18 to 50 years, due to any reason, at an annual premium of Rs. 436/-
under PMJJBY and Rs. 2.00 lakh in case of accidental death or total
permanent disability and Rs. 1.00 lakh for partial permanent disability
due to accident of the insured in the age group of 18 to 70 years at a
premium of Rs. 20/- per annum under PMSBY are provided. The total
premium of Rs. 456/- (Rs. 436/-+ Rs. 20/-) is to be borne by the
individual. As on 02.07.2025, cumulative registrations under PMJJBY
and PMSBY are around 24.05 crore and 51.85 crore respectively and
the corresponding figures for the State of Maharashtra are around
1.72 crore and 3.85 crore respectively. As AABY had already been
converged with PMJJBY and PMSBY schemes w.e.f. 01.06.2017,
therefore, further allocation of funds by the Government under the
AABY is not being made.
*****