Social Security Pensions and Community Managed Insurance in Andhra Pradesh Social Security Pensions and Community Managed Insurance in Andhra Pradesh By K. Raju Prl. Secy to Govt. of AP, Rural Development March 2009 Welcome

Structure 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 USP Saturation Principle Central role to SHGs of Women Highest quality in delivering of services thru use of IT

Social Security Pensions Old Age Pensions Poor and above 65 years of Age : lakhs No. of Old age pensions : lakhs Pensions to Widows Poor & Widow of age above 18 yrs : lakhs No. of Widow Pensions : 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 : lakhs Total Budget for : US$ millions

Entitlement 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 1 st of every month Individual pass book to record the transactions

Delivery 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 1 st of every month  For each habitation a computer generated acquittance list and Cheque handed over one day before the date of disbursement

Total Transparency ensured All transactions through software: Eligible persons list Sanction of pensions Acquittance list Monthly disbursement status Reports & Analysis

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Disbursement of Pension through Smartcard Bank Server Project Director D.R.D.A Office Smart Card Point of Service (PoS) Customer Service Point (CSP) Pension fund to each account Cash movement

Biometric validation of Smart Card

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Community managed death and disability Insurance

Products /Schemes for the SHG members & their Spouses  Aam Aadmi Bima Yojana – for lakhs landless agricultural laborers –mostly men (only for Rural)  Janasree Bima Yojana for remaining lakhs or more Spouses of SHG members (Both Rural & Urban)  Other Group Insurance for all the lakhs SHG women (both Rural & Urban)

Products /Schemes for the SHG members & their Spouses S. No Scheme Enrolled Members ( in Lakhs) % of Men % Women MaleFemale 1AABY JBY OGI Total

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 1AABYRs.30000Rs. 75,000Rs.37,500 2JBYRs.30000Rs. 75,000Rs.37,500 3OGIRs.30000Rs.80,000Rs.25,000

26 Scholarships for children For children studying from 9 th to 12 th classes: Rs per annum

27 Scholarships 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 SHG s MS ZS VO

28 Call Center Operations

Claim village Call Centre located in ZS Bima Mithra & One Committee Member ATM 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 portal

District wise Policies - AABY

District Wise Status of Claims - AABY

AABY – Detailed Stage Wise Claims

Status of Settlement of Claims (as on ) Scheme No. Of members covered Death cased reported Claims Settled Claims uploaded to LIC 1AABY JBY OGI

Scholarships  No.of Children: 2,14,406  Amount Disbursed: Rs. 12,86,43,600/- (First Half-yearly 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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