Bima Sakhi Yojana: Empowering Women Through Insurance

The Bima Sakhi Yojana, launched by Prime Minister Narendra Modi on December 9, 2024, aims to create 2 lakh women insurance agents over three years. The program targets women aged 18-70 who have passed Class 10th and supports the government's "Insurance for All" initiative.

Scheme Overview and Objectives

Bima Sakhi Yojana launched by Prime Minister Narendra Modi on December 9, 2024, in Panipat, Haryana
Targeted at women aged 18-70 years who have passed Class 10th
Aims to create 2 lakh women insurance agents over three years
Part of the government's larger vision of Viksit Bharat 2047
Focuses on women empowerment and financial inclusion
Supports the government's "Insurance for All" initiative
Aligns with broader efforts to provide economic opportunities to women

Program Structure and Benefits

Comprehensive training program for selected candidates

Financial support through structured stipend system:

- First year: Rs. 7,000 monthly stipend
- Second year: Rs. 6,000 monthly stipend
- Third year: Rs. 5,000 monthly stipend
Commission opportunities for policy sales:
- Rs. 48,000 commission for selling minimum 24 policies (excluding bonus)
Career progression opportunities:
- Potential to become LIC insurance agents
- Graduate Bima Sakhis can qualify for Development Officer roles

Eligibility criteria:

- Age between 18-70 years
- Minimum Class 10th qualification
- Exclusions for relatives of existing LIC agents and employees

Broader Impact and Vision

Addresses financial dependency of women in rural areas
Promotes financial literacy and insurance awareness
Creates structured employment opportunities for women
Supports government's commitment to women empowerment
Connects with other financial inclusion initiatives like Jan Dhan Yojana
Estimated budget allocation of over Rs. 3 lakh crore for women-focused programs
Complements existing government schemes:
- Pradhan Mantri Jeevan Jyoti Bima Yojana
- Pradhan Mantri Suraksha Bima Yojana
Anticipates increased insurance uptake in underserved areas
Provides social security and poverty alleviation opportunities

Key Highlights:

25,000 women to be designated as initial Bima Sakhis
Specialized training in insurance products and services
Comprehensive support system for women's economic empowerment
Aligned with Prime Minister's vision of inclusive growth
Launches on an auspicious day associated with Nav Durga

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