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

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

In India’s rural heartlands, financial security often remains a distant dream for many families. To bridge this gap and empower women at the grassroots level, the Ministry of Rural Development has launched a transformative initiative — the Bima Sakhi Yojana 2025. This scheme not only spreads awareness about life and accident insurance but also creates dignified employment opportunities for women in Self-Help   Groups (SHGs).

 What is the Bhima Sakhi Yojana?

The Bima Sakhi Yojana is a government initiative that trains SHG women to act as insurance facilitators, known as Bima Sakhis, in their own villages. These women are tasked with educating citizens, enrolling them in government insurance schemes, and providing assistance with claim processing and renewals.

They work mainly with two major insurance schemes:

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

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

By becoming Bima Sakhis, rural women get the opportunity to lead, earn, and uplift their communities.

 Objectives of the Scheme

The Bima Sakhi Yojana has a dual purpose:

  • Empowering SHG women through livelihood creation and skill development

  • Enhancing insurance awareness and participation among rural citizens

The scheme ensures that villagers not only get insured but also receive support during claims and renewals—filling a long-standing gap in rural financial inclusion.

 Who Can Become a Bima Sakhi?

To be eligible for the role of Bima Sakhi, a woman must:

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

  • Be 18 to 50 years old

  • Reside in the same village she will serve

  • Be literate and able to manage basic forms

  • Be willing to undergo training

Training Program Details

Once selected, women undergo a structured 2–5 day training program organized by LIC (Life Insurance Corporation of India) and the National Rural Livelihood Mission (NRLM).

 Training Covers:

  • Features of PMJJBY & PMSBY

  • How to assist with claim filing

  • Insurance premium collection

  • Documentation and record-keeping

  • Conducting community awareness drives

After successful completion, participants receive an official ID card and certificate authorizing them to operate as Bima Sakhis.

 Earnings & Incentives

Bima Sakhis are not salaried, but they earn incentive-based payments for each task they complete. Approximate incentives include:

Task Incentive
PMJJBY New Enrollment ₹30–₹50
PMSBY New Enrollment ₹5–₹10
Claim Assistance ₹25–₹50

Depending on outreach and activity, a Bima Sakhi can earn ₹3,000 to ₹8,000 per month, contributing significantly to household income.

 How to Apply – Step-by-Step Guide

  1. Visit your local NRLM/SHG Office
    Go to your village Panchayat or block office where NRLM is active.

  2. Fill the Application Form
    Collect and submit the Bima Sakhi application form.

  3. Submit the Required Documents:

    • Aadhaar Card

    • SHG Membership Proof

    • Bank Account Details

  4. Attend Training
    Complete the mandatory training program.

  5. Start Working
    Receive your certificate and ID, and begin enrolling villagers in insurance plans.

 Benefits of the Scheme

For SHG Women:

  • Financial independence

  • Skill enhancement

  • Community leadership and recognition

For Villagers:

  • Easy access to affordable insurance

  • On-ground support for claim filing

  • Timely policy renewals and awareness

 Real-Life Impact

In states like Uttar Pradesh, Odisha, and Bihar, Bima Sakhis have already made a visible impact. Many have successfully enrolled entire villages and helped families receive insurance claims up to ₹2 lakh during emergencies, providing crucial support when it’s needed most.

 Organizations Behind the Scheme

  • Ministry of Rural Development

  • LIC (Life Insurance Corporation of India)

  • State Rural Livelihood Missions (SRLMs)

  • SHG Federations & Public Sector Banks

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

📞 NRLM Helpline: 1800-11-6446
📞 LIC Helpline: 022-6827-6827
📧 Email: info@nrlm.gov.in

 What’s Next?

The government is planning:

  • A mobile app for real-time tracking and enrollment

  • Digital claim filing systems

  • Integration with Digital India and Jan Dhan Yojana

  • Expansion to all Indian villages by 2026

 Conclusion

The Bima Sakhi Yojana 2025 is more than just a scheme—it’s a women-led movement toward inclusive growth, financial security, and rural upliftment. If you’re an SHG member or know someone who is, encourage them to take part in this opportunity. By becoming a Bima Sakhi, women can empower not just themselves but entire communities.