Atal Bimit Vyakti Kalyan Yojana {अटल बीमित व्‍यक्ति कल्‍याण योजना}

Atal Bimit Vyakti Kalyan Yojana {अटल बीमित व्‍यक्ति कल्‍याण योजना}

Updated on Jun 01, 2020

The Employees' State Insurance started the Atal Bimit Vyakti Kalyan Yojana for the employees that are covered under the Employees State Insurance Act. The process of application of Atal Bimit Vyakti Kalyan Yojana has already started. The name of this scheme was on the name of former Prime Minister Atal Bihari Vajpayee. Under this scheme, financial assistance will be provided to those employees who are unable to do the job due to any reason. Under this scheme, all the employees who are working in the company in the unorganized sector, whose PF / ESI is cut by the organization every month, will be offered 25% of the 90 days' salary as cash reimbursement. This financial assistance will be provided to the employees when they will leave the job. The employees can get help under this scheme only once in their entire service period. The employees must complete the 2-year position in the company to get the benefits of this scheme.

Overview

Name of scheme

Atal Insured Welfare Scheme

Official website

https://www.esic.nic.in/ 

Year of commencement   

2018

Launched by

Prime minister Narendra Modi

Ministry

Ministry of Labor and Employment, Government of India, Department, Employee State Insurance Corporation (ESIC)

Sector

Insurance

The Main Objective

The main aim of the programme is to provide financial help to those employees who are already insured under ESI as well as has lost his job or is unemployed. The government of India will give the amount of assistance under this scheme.

Primary Beneficiaries

As per the rules and regulations of the State Insurance Corporation, the insured person who has no job or is unemployed will be provided insurance for up to 2 years.

Distribution of Funds

The benefit of this scheme will be directly transferred into the bank account of the beneficiary. If a person is seeking a new job, then he will also provide this money.

Amount for Worker

Under this scheme, workers can get 47% of the suitable cash amount deposited in SI. This money will be provided to the applicant only when he or she will give proof of unemployment for 3 months. Any unemployed person can get benefits from this scheme.

Benefits

The benefits of Atal Bimit Vyakti Kalyan Yojana are explained below. The insured person can get these benefits of ESIC this scheme.

  • Under this scheme, the applicant will be provided 25% of the daily salary for the last four months of earnings.
  • When a person leaves the job, he or she will be offered financial assistance for the next 90 days.
  • The insurance of this plan can be paid once in an entire life.
  • The person who is unemployed from the last three months can get benefits under this scheme.
  • If the person is working in any unauthorized or Private Sector Company and has left the job for some reason will able to get compensation under this scheme.
  • To get the benefits under this scheme, the employee is must be insured under the State Insurance Corporation.
  • The cash amount of financial assistance will be directly sent to the bank account by the company as reimbursement for 90 days of unemployment to the employee.
  • To get the financial aid of this scheme, the person is mandatory to complete a job for a minimum period of 2 years.
  • The applicants will take the benefit of this scheme from 1/7/2018.
  • To get the benefit of super-speciality treatment service under this scheme by the Employees State Insurance Corporation, then the duration of 2 years job has reduced to 6 months.
  • The amount that is paid by the ESI Corporation for funerals after the death of the beneficiary employee is increased from Rs 10,000 to Rs 15,000.

Conditions for Atal Bimit Vyakti Kalyan Yojana 

There are some conditions under this scheme through which the person is not eligible to get the benefits of this scheme. All the terms are explained below:

  • An employee insured under Employees State Insurance, but if he or she is expelled from a job due to any criminal conduct, then he will not able to get the benefit of the scheme.
  • You are not able to get financial assistance under this scheme if you are dismissed from a job through any misbehaviour of criminal cases.
  • If the company in which you are working has taken voluntary retirement, then also you are not able to get the benefits of this scheme.
  • The insured is mandatory to contribute to the PF / ESI Fund for a minimum of 78 days to get the benefits of this scheme.

Eligibility Criteria

The person, who wants to get enrolled under Atal Bimit Vyakti Kalyan Yojana to get the benefits, must have to fulfil the eligibility criteria for the scheme. There are some terms and conditions of the programme that are laid by ESIC. All the details about the eligibility criteria for the programme are mentioned below:

  • The applicant who wants to get the benefit of this scheme must be unemployed.
  • An insured job for two years is mandatory for a before becoming unemployed.
  • The applicant must have paid for at least 78 days.
  • The entire amount is paid by him or by the employer.
  • The insured does not dismiss from the job due to any criminal suit or wrong conduct.
  • The candidate must have to link the bank account and Aadhaar card.
  • If all the conditions mentioned above are fulfilled, then the applicant is eligible to apply under Atal Bimit Vyakti Kalyan Yojana and to get benefits of this scheme.

Documents Required

There are some necessary documents that the applicants have to submit to complete the registration process. The documents needed for Atal Bimit Vyakti Kalyan Yojana are mentioned below:

Job unemployment details

This is the most important to put forth a reason for unemployment. Along with this, the applicant has to specify the date when he or she leaves the job. This is necessary to check whether the person is eligible to get the benefits or not.

Bank account documents

The applicants must have to provide details of their bank account. The details they have to deliver about bank account are IFSC code, bank branch name, etc. To get the amount of financial assistance, the applicant must provide account details. The amount of the aid will be directly transferred to the account of the beneficiary.

Registration Process

The candidates are allowed to fill the application form for the Atal Bimit Vyakti Kalyan Yojana online by downloading the form because there is no process yet introduced to fill the application form offline. The applicants have to follow the simple process top get enrolled under this scheme. All the steps are mentioned below:

  • At first, you have to click on the ESIC official web portal link to download the online application form.

  • The applicants have to attach the non-judicial affidavit on the non-judicial paper of Rs 20 with the application form.
  • The applicants must have to fill the four forms under this scheme. All the 4 forms are AB-1, AB-2, AB-3, and AB-4.
  • After completing all the application forms the candidates have to submit them along with the affidavit to the State Insurance Corporation office.

Claim Process for Atal Bimit Vyakti Kalyan Yojana 

To get the insurance of the Atal Bimit Vyakti Kalyan Scheme, the applicants have to fill the claim form. To fill the claim form, the entire procedure is given below:

  • According to the terms and conditions of the Atal Bimit Vyakti Kalyan Scheme, the applicants are allowed to claim their financial assistance at any time in the future from 3 months after becoming unemployed.
  • The maximum time limit is one year given for the Atal Bimit Vyakti Kalyan Scheme claim.
  • To get the claim, the candidates have to submit the claim form at the branch office.
  • A link is given on the ESIC portal for the Atal Bimit Vyakti Kalyan Scheme claim.
  • The details you have to mention in the claim form are your insurance number, bank account number, and branch information, Aadhaar number, claim period as well as mobile number.
  • After completing the claim form, you have to take a print out of Form AB-1 as well as Form AB-2.
  • After this, you have to submit the verified form and affidavit to the approved ESIC branch office.
  • After completion of the entire form mentioned above, you will get the claim for Atal Bimit Vyakti Kalyan Yojana.

Frequently Asked Questions

Q: Which corporation runs the Atal Bimit Vyakti Kalyan Yojana?

Atal Bimit Vyakti Kalyan Yojana was run by the Employee's State Insurance (ESI) Corporation.

Q: If someone leaves the job and before completion of three months he gets a new job. Is he eligible for this scheme?

No, if the person has found a new job, then he can not avail of the benefits of this scheme.

Q: For how many months the person should be unemployed to get the benefits of this scheme?

The person must be unemployed form the last three months to get the benefits of this scheme.

Q: If a person is dismissed from a job due to a criminal suit, is he eligible for this scheme?

No, if a person dismissed from the job due to criminal suit, then he is not eligible to apply under this scheme.


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WRITTEN BY Varsha Verma

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