AI SummaryAam Aadmi Bima Yojana gives financial security and study support to landless labourers living in rural areas of Maharashtra. It covers people aged 18 to 59 years with insurance against death or disability and offers monthly scholarships for their children. The scheme is open for eligible rural families and applications are being accepted through the offices of the Collector, Tahsildar or Talathi.
Aam Aadmi Bima Yojana provides vital protection for rural families. If you are a landless labourer, this government-backed scheme offers you peace of mind through affordable insurance cover. The annual premium is set at just ₹200, of which 50% is subsidised by the State and Central Governments. By enrolling in this scheme, you secure your family's future with money help for emergencies and education benefits for your children. For example, if Ramesh, a labourer, enrolls in this scheme, his family becomes eligible for insurance support and his children can get monthly study grants.
Aam Aadmi Bima Yojana - Introduction
This is a centrally sponsored scheme run by the Social Justice and Special Assistance Department of Maharashtra. It is meant for landless labourers in rural areas who do not own agricultural land. The scheme gives life insurance and disability cover to the head of the family or an earning member, along with scholarships for children studying in 9th to 12th standards.
As of August 2026, the scheme continues to accept fresh applications. The official information is available on the Maharashtra Social Justice and Special Assistance Department website at sjsa.maharashtra.gov.in. Eligible people can apply by visiting their nearest Collector, Tahsildar or Talathi office during working hours.
Key Information
| Detail | Information |
|---|---|
| Scheme Name | Aam Aadmi Bima Yojana |
| Level | State |
| Scheme For | Individual |
| Beneficiary States | Maharashtra |
| Category | Social welfare and Empowerment, Banking, Financial Services and Insurance, Education and Learning |
| Target Beneficiaries | Individual |
| Sub Category | Insurance, Financial assistance, Banking, Scholarships |
| Benefit Type | Cash |
| DBT Scheme | No |
| Nodal Department | Social Justice and Special Assistance Department |
| Annual Premium | ₹200 (50% subsidised by State and Central Governments) |
| Tags | Insurance, Scholarship, Accident, Disability, Student |
Benefits
Aam Aadmi Bima Yojana gives a fixed sum to the nominee in case of natural or accidental death and provides support for disability caused by an accident. The benefit amounts are given below.
| Benefit Type | Financial Assistance |
|---|---|
| Natural Death | ₹30,000 |
| Accidental Death | ₹75,000 |
| Permanent Total Disability | ₹75,000 |
| Loss of Two Eyes or Two Limbs | ₹75,000 |
| Loss of One Eye or One Limb | ₹37,500 |
Also, the scheme supports the education of your children. You will get a scholarship of ₹100 per month for each child, covering those enrolled in 9th to 12th standards. This benefit applies to a maximum of two children per family, helping them continue their studies without money worries.
Eligibility
To get the benefit of Aam Aadmi Bima Yojana, you must meet the conditions listed below.
- You must be a resident of Maharashtra and live in a rural area.
- Your age should be between 18 and 59 years at the time of applying.
- You should be a landless labourer and must not own any agricultural land.
- You should not be enrolled in any other similar insurance scheme.
Application Process
To apply for Aam Aadmi Bima Yojana, you can follow these steps. The application is submitted offline through the local government offices.
STEP 1 - Visit the local office of the Collector, Tahsildar or Talathi during working hours and request the official application form for Aam Aadmi Bima Yojana.
STEP 2 - Fill in all the required fields accurately, paste a recent passport-sized photograph and sign the form where indicated.
STEP 3 - Attach self-attested copies of all the required documents along with the completed form.
STEP 4 - Submit your completed application form and documents to the designated authority in the office.
STEP 5 - Always collect an acknowledgement receipt that includes the date, time of submission and your unique identification number for record-keeping.
Documents
When preparing your application package, make sure you have the following documents ready.
- Proof of Identity such as Aadhaar card or voter ID.
- Proof of Age like birth certificate or school leaving certificate.
- Valid Address Proof showing rural residence in Maharashtra.
- Certificate of Landlessness to confirm that you own no agricultural land.
- Recent Passport-Sized Photographs.
- Income Certificate from the competent authority.
- Completed Application Form with self-attestation of documents.
- Any additional supporting documents as requested by the office.
References
Read Official Scheme Information from Maharashtra Social Justice Department
View Detailed Scheme Information from Nashik District
FAQ's
What is Aam Aadmi Bima Yojana?
Aam Aadmi Bima Yojana is a government-run insurance scheme created for landless labourers in rural regions of Maharashtra to provide money help during accidents or untimely death, along with scholarships for children.
Who is eligible to apply for this scheme?
Any landless labourer living in a rural area of Maharashtra between 18 and 59 years of age who does not own agricultural land can apply.
What is the annual premium for the scheme?
The annual premium is ₹200 per member, with the State and Central Governments providing a 50% subsidy.
What specific benefits can I receive?
You receive cover for natural death, accidental death, total disability and loss of limbs or eyes, along with monthly scholarships for your children in school.
How much is paid for an accidental death claim?
Your nominee will receive ₹75,000 in the event of an accidental death.
How does the child scholarship work?
Each eligible child studying between 9th and 12th standards receives ₹100 per month, limited to two children per family.
Where can I find the application form?
You can obtain the form by visiting your nearest Collector, Tahsildar or Talathi office.
What is the deadline for my application?
You should submit your application promptly within the timeframe defined by the relevant local authorities.
What happens when I turn 60?
Once you reach 60 years of age, your cover under this scheme concludes, and you may find out about other available pension programs.