In summary

Janashree Bima Yojana was introduced to provide life insurance and disability protection to eligible low-income workers and their families. The scheme provided cover of Rs. 30,000 for natural death and up to Rs. 75,000 for accidental death or total permanent disability.

• JBY was launched in 2000 and covered specified occupational groups.
• Its historical eligibility included people aged 18 to 59 years.
• The scheme also provided a scholarship of Rs. 600 every six months to eligible children.
• JBY was merged with Aam Aadmi Bima Yojana in 2013 and is not a standalone current scheme.

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The Government merged JBY with AABY because both schemes had similar target groups, benefits and premium structures. JBY therefore ceased to exist as a separate scheme from 1 January 2013.

Note: Janashree Bima Yojana (JBY) is a historical life insurance scheme. The Government merged JBY with Aam Aadmi Bima Yojana (AABY), effective 1 January 2013, and later converged AABY with PMJJBY and PMSBY from 1 June 2017.

Partial permanent disability included the loss of one eye or one limb, while total permanent disability covered specified combinations such as loss of two eyes or two limbs.

The scheme also provided an educational scholarship for children of eligible policyholders. The supplied scheme information states a scholarship of Rs. 600 every half year for students in Classes 11 and 12.

• Shiksha Sahayog Yojana:

Shiksha Sahayog Yojana was introduced as a scholarship benefit for children of members covered under Janashree Bima Yojana. It provided financial assistance to children studying in Classes 9 to 12, including ITI courses. The scholarship was available for up to two children of a member and was provided without any additional premium.

• Coverage for women in Self-Help Groups:

JBY also covered women belonging to Self-Help Groups under specific arrangements. The scheme provided life insurance protection to eligible women members, with the premium shared between the member and the implementing insurance arrangement.

• Occupational group-specific schemes:

JBY was also implemented through special arrangements for certain occupational groups. For example, Khadi Karigar Janashree Bima Yojana was introduced for Khadi artisans. It provided life and disability protection to eligible artisans under a subsidised premium structure.

These were historical provisions associated with JBY. The Government merged JBY with Aam Aadmi Bima Yojana from 1 January 2013.

The groups included beedi workers, brick kiln workers, carpenters, cobblers, fishermen, handloom and Khadi weavers, artisans, tailors, construction workers, agriculturists, transport workers, plantation workers and women associated with Self-Help Groups, among others.

• People below 18 or above 59 years of age.
• People who were not from below or marginally above the poverty line.
• Individuals who did not belong to an approved occupational or vocational group.
• Individuals who wanted to enrol independently rather than through an eligible group or nodal agency, as JBY was structured as a group insurance scheme.
• In certain implementations, individuals who were already covered by another government-sponsored life or disability insurance scheme were also excluded. 

Note: These were the historical eligibility conditions of JBY. The scheme was merged with Aam Aadmi Bima Yojana in 2013 and is no longer available as a standalone scheme.

• Age: 18 to 59 years.
• Income: The scheme targeted people below or marginally above the poverty line.
• Occupation: Coverage was available to specified occupational groups.
• Membership: Applicants generally needed to belong to a self-help group or another recognised social security arrangement.

Government records later described AABY as covering identified vocational groups and rural landless households, with coverage administered through a nodal agency.

Because JBY is no longer a standalone scheme, these historical eligibility conditions should not be treated as current enrolment rules.

The process involved:

1. Approaching the nodal agency: Contact the recognised organisation responsible for the scheme.
2. Completing the application: Provide the required personal and eligibility details.
3. Submitting documents: Provide age proof and other documents required by the scheme.
4. Premium contribution: Pay the applicable member contribution where required under the scheme structure.
5. Receiving confirmation: The participating agency processed the enrolment and issued the relevant insurance documentation.

As JBY ceased to exist as a separate scheme in 2013, this process is historical and should not be used as a current application procedure.

After verification, the eligible benefit was released to the nominee or beneficiary. The exact documents and process could depend on the nature of the claim and the implementing agency.