Community Managed Micro Insurance

Andhra Pradesh
The fate of widows and single women, irrespective caste and social calling, is equally at stake for reasons of personal security and emotional satisfaction. Mrs. Vanaja hails from a traditional family. She was married when she was in her early 20s. The couple built a small house and learnt to enjoy the fruits of a happy family life. Their blossoming joy of the family withered when her husband died in a ghastly road accident. With the accident all notions of family security were numbed. She was left with endless agony and two children. She was caught between the twin and difficult tasks of coping with personal anguish and loss and nurturing her two children. She opted for home-based economic activity and joined tailoring classes. After having gained skill and knowledge, she was employed by a local tailoring shop on a monthly honorarium of Rs. 2500. Failing to meet both ends with this amount, she looked for additional sources of income and support. At this juncture, she was advised to join SHG in her village. She lost no time in following the advice. She became a member of Prathyusha Swayam Sahayaka Sangham in 2007. A new world of information and knowledge was opened before her. This new world primarily was full of information on government public schemes and various other pro-poor welfare and security initiatives. The local IKP (Indira Kranthi Padham) and SERP (Society for Elimination of Rural Poverty) staff members of the Government of Andhra Pradesh played a crucial role in spreading information through a series of meetings and training workshops for the members of self-help groups in various villages. Her new found knowledge took her directly to the doorsteps of AABY (Aam Admi Bima Yojana) and she enrolled into the scheme in the year 2007. She has sound knowledge of the Grama Samakhya and its operations in the village. She is in regular contact with the members of the Samakhya in order to update her knowledge on the changing developments in the sector. Both her children receive educational scholarship at the rate of Rs. 1200 per head per year. Mrs. Vanaja feels confident and highly secure today. Having enjoyed personal and emotional satisfaction being a member of SHG as well as AABY scheme, she motivated a few neighbors and fellow villagers in getting enrolled. She still feels that there are many needy and deserving women outside the canvas of these schemes She says: “The gates of the schemes should be wide open always, especially for widowed women. For, the death of a husband leaves the children fatherless. If widows remarry, the children are left motherless too. Remarriage makes a lot of difference for a woman with children. The new partner may not share the same affection with the children. It is always the woman or mother who enjoys the umbilical proximity to children. For reasons of fear and threat of children welfare, we (widowed women) do not generally remarry and remain single. This is sensitive. It is a delicacy in defining human relations. There are many young widows like me today who did not remarry in the interest of the children’s well being than out of custom. I request the government to make a special provision to allow these young widows into these insurance schemes, especially ANNA Abhayahastam.” In saying so, Mrs. Vanaja presents a social logic. Her narration undoubtedly echoes the impact of Government schemes. Her request symbolises the existing need. Her appeal for new enrolment highlights the gap. Her experience is all in one. She feels that let the government too empathises with what she says.

  • Name : Vanaja Bandla
  • District :Krishna
  • Mandal : Kanchikacherla