social security pensions and community managed insurance in andhra pradesh social security pensions...
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Social Security Pensions Social Security Pensions andand
Community Managed InsuranceCommunity Managed Insurancein Andhra Pradeshin Andhra Pradesh
By K. Raju
Prl. Secy to Govt. of AP, Rural DevelopmentMarch 2009
Welcome Welcome
Structure of presentationStructure of presentation
• Social Security Pensions in A.P
• Community managed death and disability Insurance
• Community managed Health Insurance
• Co-Contributory Pensions Scheme
Social safety nets – AP’s USPSocial safety nets – AP’s USP
•Saturation Principle
•Central role to SHGs of Women
•Highest quality in delivering of services thru use of IT
Social Security PensionsSocial Security Pensions
• Old Age Pensions• Poor and above 65 years of Age : 44.74 lakhs
• No. of Old age pensions : 44.35 lakhs
• Pensions to Widows• Poor & Widow of age above 18 yrs : 18.40 lakhs
• No. of Widow Pensions : 17.41 lakhs
• Pensions to persons with Disabilities• Poor and disabled, any age : 8.34 lakhs
• No. of Pensions for PWDs : 8.28 lakhs
• Total Social Security Pensions : 71.53 lakhs
• Total Budget for 2009-10 : US$ 400.8 millions
Entitlement of the PensionersEntitlement of the Pensioners
•Rs.200 per month to be delivered to Old Age, Weavers & Widow pensioners
• Rs.500 per month to be delivered to disabled persons
• The pension amount to be delivered in their habitation on 1st of every month
•Individual pass book to record the transactions
Delivery of PensionsDelivery of Pensions
District Collector notifies a Govt. building in each habitation for disbursement of pensions
A Government functionary or SHG is notified to disburse pension on 1st of every month
For each habitation a computer generated acquittance list and Cheque handed over one day before the date of disbursement
Total Transparency ensuredTotal Transparency ensured
• All transactions through software:
•Eligible persons list
•Sanction of pensions
•Acquittance list
•Monthly disbursement status
•Reports & Analysis
Disbursement of Pension Disbursement of Pension through Smartcardthrough Smartcard
PHOOLVANTI JOSHI
DoB: 05-AUG-1965D/o: JATINBHAI JOSHI
Near Railway Stn.V: Jamkhandoli, T: UmariyaD: Jamkhambaliya, P: 398252, Guj
Issued: July 2006
9 0 0 0 0 1 1 9 5 4 5 7 2 2 0 0 0
Bank Server
Project DirectorD.R.D.A Office
Smart CardPoint of Service (PoS)
Customer Service Point (CSP)
Pension fund to each account
Cash movem
ent
Products /Schemes for the SHG Products /Schemes for the SHG members & their Spousesmembers & their Spouses
1. Aam Aadmi Bima Yojana – for 38.00 lakhs landless agricultural laborers –mostly men (only for Rural)
2. Janasree Bima Yojana for remaining 52.00 lakhs or more Spouses of SHG members (Both Rural & Urban)
3. Other Group Insurance for all the 90.00 lakhs SHG women (both Rural & Urban)
Products /Schemes for the SHG members & their Spouses
S.No
Scheme Enrolled Members ( in Lakhs)
% of Men
% Women
Male Female
1 AABY 38.00 32.75 5.25 86.18 13.82
2 JBY 19.51 16.55 2.96 84.82 15.17
3 OGI 23.75 23.75 100.00
Total 81.26 49.30 31.96 60.67 39.33
Products /Schemes for the SHG members & their Spouses
S.No
Scheme/ Product
Sum Assured
for Natural death
Sum Assured for death due to
accident & Permanent Total
Disablement
Sum Assured for partial
disablement
1 AABY Rs.30000 Rs. 75,000 Rs.37,500
2 JBY Rs.30000 Rs. 75,000 Rs.37,500
3 OGI Rs.30000 Rs.80,000 Rs.25,000
26Scholarships for childrenScholarships for children
• For children studying from 9th to 12th classes:
•Rs. 1200 per annum
27Scholarships for childrenScholarships for children
• Member education
• Enrollment
• Collection of premium
• Reporting claims
• Facilitate documentation of claims
• Planning and Monitoring
• Training of VOs
• Claim documentation
• Office bearer is member of Area Committee
• Tie up with an Insurance Company
• Nodal Agency for the scheme
• Maintain data base and Call Centre
• Issue Certificate of Insurance/Bonds
• MIS
• Capacity building of its staff and community
• Pay out solatium within 24 hours through
• Bima Mithras
SHGs
SHGs
SHGs
SHGs
SHGs
SHGs
MS
ZS
VO
Claim village Call Centre located in ZS
Bima Mithra & One Committee
Member ATM
Phone
Phone
• Area Committee member completes claim documentation and sends to Call Center wherein the documents are processed and send then electronically to LIC
Visit
Payment of interim relief to the bereaved
nominee/family Rs.5000/-
Claims process and settlement mechanism at a glance
Status of Settlement of Claims Status of Settlement of Claims (as on 14.03.09)(as on 14.03.09)
SchemeScheme No. Of No. Of members members coveredcovered
Death cased Death cased reportedreported
Claims Claims SettledSettled
Claims Claims uploaded uploaded to LICto LIC
1 AABY 3800000 30835 18304 21307
2 JBY 1951137 3161 124 2007
3 OGI 2375474 1602 329 915
Scholarships 08-09Scholarships 08-09
No .of Children : 2,14,406
Amount Disbursed : Rs. 12,86,43,600/-
(First Half-yearly payment @ Rs. 600/- per child)
Bima Mithra Drawing Cash to distribute Solatium to
bereaved family
Distribution of Solatium to the bereaved family