Bima Sakhi Yojana – The Government of India has launched a revolutionary new insurance scheme aimed at empowering women across the country — the Bima Sakhi Yojana. Under this initiative, eligible women will receive an insurance cover of ₹2,16,000 completely free of cost. What makes this scheme truly unique is the zero-premium model, where women don’t need to pay any registration fee, and the approval is automatic upon eligibility verification. This massive initiative is seen as a key step toward financial and social security for women, especially those from rural and economically weaker backgrounds. The government aims to cover crores of women under this scheme starting July 2025.
What is Bima Sakhi Yojana?
Bima Sakhi Yojana is a centrally-sponsored government scheme that provides an insurance cover of ₹2,16,000 to every eligible woman without charging any premium. The scheme includes both life and accidental coverage and is automatically activated for those who qualify based on Aadhaar-linked documents and government databases.
Key features of the scheme:
- ₹2,00,000 accidental insurance cover
- ₹16,000 emergency hospitalization and treatment benefit
- No registration fees or premium required
- Auto-approval based on Aadhaar and government databases
- Coverage extended to both rural and urban areas
- Beneficiaries informed via SMS and local Gram Panchayats
- Special focus on women between 18-60 years of age
Eligibility Criteria for Bima Sakhi Yojana
To make the scheme widely accessible yet targeted, the government has laid down certain eligibility conditions that women must meet to be automatically enrolled.
Women eligible under the scheme must:
- Be an Indian citizen
- Be between 18 and 60 years of age
- Be listed under SECC (Socio-Economic Caste Census) or verified through PM-Kisan/Self Help Groups
- Possess an Aadhaar card linked to a bank account
- Not already be covered under similar central/state insurance schemes
Documents Required for Auto-Approval
Although there is no need for physical registration, the system verifies the following documents through databases:
| Document Type | Required For | Verification Method |
|---|---|---|
| Aadhaar Card | Identity Verification | UIDAI Database |
| Bank Account | Benefit Transfer | NPCI Linkage |
| Age Proof (Linked) | Age Eligibility | Aadhaar/KYC |
| SECC/PM-Kisan/SHG Record | Scheme Qualification | Govt. Portals |
| Mobile Number | Communication & SMS | Aadhaar-linked |
| Address Proof | Regional Mapping | Aadhaar/Bank/KYC |
| Nominee Details (Optional) | Payout Processing | Verified via Aadhaar |
| Previous Scheme Status | Avoiding Duplicate Claims | Gov. Scheme Cross-verification |
Benefit Breakdown Under the Scheme
The Bima Sakhi Yojana covers multiple areas of health and financial security in one single plan. Here’s a detailed breakdown:
| Type of Benefit | Amount Covered | Claim Process | Frequency |
|---|---|---|---|
| Accidental Death Cover | ₹2,00,000 | Bank-linked Payout | Once per incident |
| Emergency Hospitalization | ₹16,000 | Direct Cashless/Claim | 2 times/year max |
| SMS Notification | Free | Auto Message | On Approval |
| Aadhaar-based Approval | Free | Auto Enrolment | Once per lifetime |
| Nominee Payout Option | Enabled | Bank Transfer | On Death |
| Health Card | Issued | Govt Health Network | At District Level |
| Awareness Programs | Included | Through ASHA/NGOs | Yearly |
| Mobile Helpdesk | Available | Toll-Free Number | 24×7 |
How to Check If You Are Enrolled
Once launched in your district, the verification and notification process will begin automatically. Here’s how you can check:
- Check SMS on your Aadhaar-linked mobile number
- Visit your nearest Gram Panchayat/Anganwadi Center
- Use the Bima Sakhi Portal (to be launched)
- Call the toll-free helpline number (to be announced soon)
- Ask your Self Help Group Leader or local ASHA worker
Key Objectives and Benefits of Bima Sakhi Yojana
This initiative is more than just an insurance scheme — it’s a movement toward gender equity and economic stability.
Main objectives:
- Empower women financially without burden
- Encourage women to participate in economic activities fearlessly
- Provide protection against unforeseen life and health events
- Build inclusive financial safety net for rural women
- Improve women’s access to health and emergency care
Long-term impact expected:
- Reduction in financial vulnerability of poor households
- Improvement in maternal health and emergency access
- Greater awareness about health and hygiene
- Boost to Digital India and Jan Dhan-Aadhaar-Mobile ecosystem
Government’s Rollout Plan for 2025–2026
The Bima Sakhi Yojana will be rolled out in phases across India, starting with the most vulnerable districts identified under the Aspirational District Program.
| Rollout Phase | States/Districts Covered | Approx. Date of Launch |
|---|---|---|
| Phase 1 | Bihar, UP, MP, Odisha | July 2025 |
| Phase 2 | Rajasthan, Chhattisgarh | August 2025 |
| Phase 3 | West Bengal, Jharkhand | September 2025 |
| Phase 4 | Maharashtra, Gujarat | October 2025 |
| Phase 5 | Punjab, Haryana, Others | November 2025 |
| Phase 6 | All remaining states | December 2025 |
| Digital Access | Pan-India | January 2026 |
| Full Coverage | 100% Targeted Beneficiaries | March 2026 |
The Bima Sakhi Yojana is a landmark insurance initiative that promises financial safety, dignity, and peace of mind to crores of Indian women — all without paying even a single rupee. With automatic approval, simplified documentation, and digital rollout, the scheme aims to build a secure future for women who need it most. As with all government programs, beneficiaries are advised to cross-check updates from official portals or local Gram Panchayats before acting on third-party information.
FAQs of Bima Sakhi Yojana
Q1. Is there any fee to register for Bima Sakhi Yojana?
No, the scheme is completely free and does not require any registration or premium payment.
Q2. How will I know if I’m covered under the scheme?
You will receive an SMS on your Aadhaar-linked mobile number or can check at local Gram Panchayats.
Q3. Can urban women also get this insurance benefit?
Yes, both rural and urban women are eligible if they meet the required criteria.
Q4. Do I need to apply online or fill any form?
No, the enrolment is automatic based on Aadhaar and government records.
Q5. What happens in case of a claim? Who should I contact?
Claims will be processed directly through linked bank accounts. Contact your local health worker or helpline for guidance.