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

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SOCIAL SECURITY PENSIONS

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SOCIAL SECURITY PENSIONS

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SOCIAL SECURITY PENSIONS

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SOCIAL SECURITY PENSIONS

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SOCIAL SECURITY PENSIONS

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SOCIAL SECURITY PENSIONS

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SOCIAL SECURITY PENSIONS

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

Biometric validation of Smart CardBiometric validation of Smart Card

Please Visit

www.ssp.ap.gov.in

Community managed death and disability Insurance

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

28Call Center OperationsCall Center Operations

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

Web Based Claim Settlement Process

Policy Holder Details in the Web portalPolicy Holder Details in the Web portal

District wise Policies - AABYDistrict wise Policies - AABY

District Wise Status of Claims - AABYDistrict Wise Status of Claims - AABY

AABY – Detailed Stage Wise ClaimsAABY – Detailed Stage Wise Claims

AABY – Detailed Stage Wise ClaimsAABY – Detailed Stage Wise Claims

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

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Please Visit

www.aaby.ap.gov.in

Thank YouThank You