Bima Sakhi Yojana 2025: ₹7,000 Monthly Income for Rural Women – Full Details

The Bima Sakhi Yojana is an important initiative launched by the Central Government to increase insurance coverage and awareness in rural India. Under this scheme, women from Self Help Groups (SHGs) are trained as Bima Sakhis to help villagers enroll in insurance schemes, pay premiums, understand benefits, and assist with claim settlements.

This scheme empowers women while ensuring that every rural household gets affordable insurance protection.

What Is the Bima Sakhi Yojana?

Bima Sakhi Yojana is designed to:

Spread insurance awareness in villages

Increase enrollment in schemes like PMJJBY & PMSBY

Offer doorstep support for premium payment and claims

Create employment opportunities for SHG women

Improve financial inclusion for rural families

Bima Sakhis act as local insurance guides, ensuring that no family is left uninsured.

Why Bima Sakhi Yojana Is Needed

Many rural households face challenges such as:

Low awareness of insurance

Difficulty visiting banks

Claim rejection due to incomplete documents

Irregular premium payments

Dependence on middlemen

Bima Sakhis bridge this gap by providing reliable, local, and hassle-free services.

Major Insurance Schemes Offered Under Bima Sakhi

As per the location	Coverage	Premium
PMJJBY (Life Insurance)	₹2,00,000	₹436 per year
PMSBY (Accident Insurance)	₹2,00,000	₹20 per year
Atal Pension Yojana	Monthly Pension	Age-based
Crop/Livestock Insurance	Loss/Accident	As per location

These schemes provide affordable and essential financial security to rural families.

Who Can Use Bima Sakhi Services?

• Farmers

• Daily wage earners

• SHG women

• Self-employed individuals

• Rural employees

• BPL households

Eligibility to Become a Bima Sakhi

Criteria	Requirements
Gender	Women only
Age	18 – 50 years
Education	Minimum 10th pass
Local Status	Must belong to local SHG
Skills	Basic communication & understanding of local language

Training Provided to Bima Sakhis

Training is offered by NRLM, banks, LIC, and insurance companies, covering:

Basics of insurance

Details of government schemes

Digital registration via mobile app

Premium collection process

Claim documentation

Communication with villagers

Responsibilities of a Bima Sakhi

Create awareness about insurance

Fill and submit enrollment forms

Collect necessary documents

Assist in premium payments

Send renewal reminders

Guide families during claims

Maintain digital records

Income of a Bima Sakhi

Bima Sakhis earn through:

Commission on new registrations

Annual renewal commission

Claim support fees

Monthly fixed incentives (State-wise)

Average income: ₹5,000 – ₹10,000 per month

(Sometimes more depending on registrations)

How to Apply for Bima Sakhi Yojana

Visit your Gram Panchayat or Mandal NRLM Office

Apply through your SHG

Attend the mandatory training

Complete evaluation/test

Receive an official Bima Sakhi ID card

Start working in your village

Documents Required

Aadhaar card

Passport-size photo

Residential certificate

SHG membership proof

Educational documents

Digital Features

App-based insurance registration

SMS reminders for premium renewal

Digital document upload

Real-time status tracking

Benefits of Bima Sakhi Yojana

Benefit Description

Benefit	Description
Doorstep assistance	Faster insurance access for villagers
Women empowerment	Regular monthly income
Quick claim settlement	Correct documentation reduces delays
Zero dependency on banks	All services at home
Trust-building	Villagers rely on local SHG women

Trust-building Villagers rely on local SHG women

Challenges in Implementation

Limited mobile/internet access

Fear or misunderstanding of insurance

Missing documents among villagers

Transportation issues

Coordination problems with banks

Conclusion

The Bima Sakhi Yojana is a transformative program aimed at providing insurance coverage to every rural family while empowering SHG women with a stable income. With proper digital tools, training, and bank support, this scheme can significantly increase India’s rural insurance penetration.