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Zorluk: OrtaState Government Schemes and Welfare Policies

With reference to the 'Rythu Bima' (Farmers Group Life Insurance Scheme) implemented by the Government of Telangana, consider the following statements:

1. The scheme provides a financial relief of ₹5 lakh to the designated nominee in the event of the death of an enrolled farmer, covering both natural and accidental causes.
2. The entire insurance premium is funded by the State Government, requiring no financial contribution or premium payment from the enrolled farmers.
3. The scheme covers all agricultural landholders as well as tenant cultivators aged between 18 and 70 years.

Which of the statements given above are correct?

  1. A
    1 and 3 only
  2. 1 and 2 onlyCevap
  3. C
    2 and 3 only
  4. D
    1, 2 and 3

Cevap

1 and 2 only
The statements indicating that the scheme provides a ₹5 lakh sum assured for natural or accidental death and that the state government pays 100% of the insurance premium are factually accurate. The third statement is incorrect because the scheme is confined to Pattadar passbook-holding farmers between 18 and 59 years of age, excluding tenant farmers without title deeds and individuals aged 60 and above.

Adım Adım Çözüm

1
Evaluate the financial coverage and death benefit under the scheme (Statement 1)
Statement 1 is correct.
Rythu Bima guarantees a prompt direct benefit transfer of ₹5.00 lakh to the nominee upon the death of an enrolled farmer, regardless of whether death occurred due to natural causes, illness, or an accident.
2
Evaluate the premium financing mechanism (Statement 2)
Statement 2 is correct.
The entire premium amount is paid directly by the Telangana State Government to the Life Insurance Corporation of India (LIC) on behalf of the registered farmers, making it completely free for beneficiaries.
3
Evaluate the eligibility criteria regarding age and landholding status (Statement 3)
Statement 3 is incorrect.
Eligibility is strictly confined to land-owning farmers possessing a valid Pattadar Passbook within the age bracket of 18 to 59 years. Tenant farmers without title ownership and individuals aged 60 years or above are excluded.

Anahtar Kavram

Eligibility Criteria, Operational Framework, and Premium Structure of State Farmers Welfare Schemes
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