JKDSWDJ AASRA Scheme Jammu & Kashmir

Organisation : Jammu & Kashmir Department of Social Welfare (JKDSWDJ)
Facility Name : AASRA Scheme
Applicable For : Widows, Destitute, Below Poverty Line (BPL) Families
Applicable State/UT : Jammu & Kashmir
Website : https://jkdswdj.jk.gov.in/schemes.html

What is JKDSWDJ AASRA Scheme?

“AASRA” is an insurance scheme and it was launched by the Department of Social Welfare, Government of Jammu & Kashmir in 2015 to provide Social Security cover to widows, Destitute, Below Poverty Line (BPL) families, and Breadwinners of such families whose annual income is less than ₹75000/-. The Government of Union Territory will bear the premium of all these policies and will cover the entire segment of the destitute and BPL families in the Union Territory.

Related / Similar Scheme : JKDSWDJ State Marriage Assistance Scheme

1. Pardhanmantri Suraksha Bima Yojana (PMSBY)
2. Pardhanmantri Jeevan Jyoti Bima Yojana (PMJJBY)

Benefits of JKDSWDJ AASRA Scheme

** Under this scheme, Social Security cover is provided to widows, Destitute, Below Poverty Line (BPL) families, and breadwinners of such families whose annual income is less than ₹75000/-.
** The Government of Union Territory will bear the premium of two policies (PMSBY & PMJJBY) for a period of five year.
** Under this scheme, the government will cover the entire segment of the destitute and BPL families in the Union Territory.

Eligibility of JKDSWDJ AASRA Scheme

1. Pardhanmantri Suraksha Bima Yojana (PMSBY):
a) People in the age group of 18 to 70 years with bank accounts will be covered and a premium of ₹12/- per annum per beneficiary.
b) Any person in the age group of 18 to 70 years having a bank account and Aadhaar No. linked to the Bank account are to be covered and who can give a simple form every year before the 1st of June in order to join the scheme. Name of the nominee to be given in the form.
c) Payment Mode: The premium will be auto-debited by the Bank from the subscriber’s account.
d) Risk Coverage: For accidental death and full disability ₹2.00 lakh and for partial disability ₹1.00 lakh.
e) Terms of Risk Coverage: A person has to opt for the scheme every year he can also prefer a long-term option of continuing in which case his account will be auto-debited every year by the bank.

2. Pardhanmantri Jeevan Jyoti Bima Yojana (PMJJBY):
a) A person in the age group of 18 to 50 years and having a bank account can however continue to have the risk of life up to the age of 55 years subject to payment of a premium of ₹333/- per annum.
b) Payment Mode: The payment of the premium will be directly auto-debited by the bank from the subscriber’s account.
c) Risk coverage: ₹2.00 lakh in case of death for any reason.

Note:
** The applicant should be a permanent resident of the Union Territory of Jammu & Kashmir.
** All breadwinners of families whose total annual income is less than ₹75000/- are eligible under the scheme.
** All widows and destitute residing in the Union Territory are eligible under the scheme.
** All breadwinners of Below Poverty Line (BPL) families are eligible under the scheme.
** The intending family must establish that he/she has no source of income quantified as per the prescribed income certificate.
** The life/accident cover under the scheme will be paid only to the prescribed nominee in case of the death of the beneficiary as per the guideline outlined in the scheme.

How To Apply For JKDSWDJ AASRA Scheme?

To apply for JKDSWDJ AASRA Scheme, Follow the below steps

Registration Process:
Step-1: Before applying the under scheme, User has to register using the Citizen Registration Link given on the login Screen. (Already Registered Citizens can avail of the Service Using Login ID and Password generated after Citizen)
Step-2: Applicant has to upload the Passport size scan photo (jpg image) in a clear background of size less than 50 KB.
Step-3: Please, note the User ID and Password entered by the applicant during registration for Login and availing the service.
Step-4: Please, select the role type Citizen while entering login credentials by the Applicant using Citizen Users ID and Password.
Step-5: After Login, the applicant has to click on the e-services tab in the left menu and thereafter click on the department to which he has to avail of the service.
Step-6: Please, note the Citizen ID, Username, and Password after successful registration of Citizen as it will be required at the time of availing the service.

Application Process:
Step-1: First of all, the applicant needs to visit the official website and login with their credentials.
Step-2: At the homepage, click on Apply button for applying under “Aasra Scheme”.
Step-3: Fill all the mandatory details as required in the application form.
Step-4: The applicant must ensure that all the filled information should be correct before clicking on submit button.

Register/Login Here : https://www.jk.gov.in/jkeservices/home

Documents Required For JKDSWDJ AASRA Scheme

** Proof of Residence of the UT of Jammu & Kashmir.
** Proof of Identity.
** Proof of Age
** Income Certificate
** Passport-size photographs.
** Aadhaar Card.
** Details of the Bank Account
** BPL Card (in the case of BPL family)
** Death Certificate of Husband bearing name of legal wife/widow (If applicant is widow)