Odisha AamAdmiBimaYojana

Odisha- AamAdmiBimaYojana (O-AABY)

AamAdmiBimaYojana is a social security scheme of the Central and State Governments launched on 2nd October 2007, administered by LIC of India for the benefit of poor households. It is a group Insurance Scheme for the age group of 18 -59 years. The members should be head of the family (bread earner) or an earning member in the family of rural poor household. The Premium to be charged under the Scheme is Rs.200/- per annum per member, of which 50% will be contributed by the Central Government and the remaining by State Government. It is a ‘Zero’ cost scheme for the beneficiaries.

Odisha AamAdmiBimaYojana (O-AABY) has been launched in Odisha by signing a Memorandum of Understanding between National Rural Livelihoods Mission-Odisha now Odisha Livelihoods Mission, Panchayati Raj Department, Government of Odisha and LIC of India on 19th December 2011. In the first phase 4,97,333 beneficiaries have been covered those who have worked 100 days under MGNREGA during the year 2010-11, 2011-12 &2012-13. In addition to that, in financial year 2013-14, it has been decided that one member of all household of WSHG members under NRLM- Intensive Blocks will be covered under the scheme.  


Under the Scheme, all insured beneficiaries would be provided life and disability cover. On death and permanent disability due to accident, the family  gets Rs.75,000/- In case of partial disability due to accident, the insurance cover is Rs.37,500/-. On natural death, the family  gets Rs.30,000/-. A free add-on scholarship benefit for the children of the members of O-AABY is provided under this scheme. A scholarship at the rate of Rs.100/- per month is given to maximum two children studying between standard 9th to 12thand ITI students. This scholarship, however, is payable half yearly.

NOTE: “Death/Total Permanent Disability due to Accident” shall mean Death/Disability occurring within 180 days of the happening of bodily injury, resulting solely and directly from accident caused by violent, external and visible means, independently of any other cause which have occurred after commencement of the Policy.

However, Death/Total permanent disability due to accident shall not include death/disability:

Caused by intentional self-injury, suicide, or attempted suicide, insanity or immorality or whilst the member is under influence of intoxicating liquor, drug or narcotic; or

Caused by injuries resulting from riots, civil commotion, rebellion, war (whether war be declared or not),  invasion, hunting, mountaineering, steeple chasing or racing of any kind; or

Resulting from member committing any breach of law.

In respect of Physically Handicapped Persons the Accidental Cover would be restricted to death and disablement, excluding the existing disablement.

Documentary evidence of the accident along withmedical certificate from the Assistant Civil Surgeon of Govt. hospital certifying permanent total/partial disability due to accident, stating loss of limbs of the member covered under the scheme is to be submitted.