SSAFE FOUNDATION – PROMOTING
Developing a comprehensive, viable and sustainable social
security scheme to the unorganized rural communities, has
become a great challenge. SSAFE Foundation has come out with
a viable social security schemes in the areas of Health Promotion,
Micro Insurance and Micro Pension.
The reach of the social security
program is given below.
Muthu Chippi Social Security Scheme (Rs. In Lakhs)
NDFS offers insurance, health and
micro pension products under its social security scheme.
The product features and the coverage has been explained
NDFS offers composite insurance product
in the name of “Muthu Chippi social security”
to the members to address their concerns in case of loss
of life, health and assets loss due to natural calamities
and disasters. Presently the product is available only to
the surabhi members and it is a voluntary scheme. The premium
is fixed at Rs.150/-. This scheme is implemented in partnership
with other companies. Hence, Rs.100 is paid to insurance
companies as a premium. Rs.25/- is spent on promotions and
incentives. Remaining Rs.25/- is accumulated as the social
security corpus fund to provide support to the members on
difficult occasions, which were not covered by the insurance
schemes of the insurance companies.
||Benefit Amount in
SHEPHERD in collaboration with NDFS promotes
health services to the members on the basis of prevention,
protection and promotion.(3 P’s) Prevention of deadly
diseases is done by screening the surabhi members on the
early stages of diseases like diabetics and cancer. This
is done through health camps which were conducted in villages
in association with Mission Hospital, Trichy and others.
On detection of the disease, members were admitted for treatment
through the cashless hospitalization scheme. SHEPHERD entered
into an agreement with a few hospitals to implement the
same. The claim amount is covered by the “Muthu Chippi”
social security scheme.
Health education is promoted through Health
Associates who visit the villages regularly and provide
“health education to adolescent girls, women and men.
SHEPHERD also adopted a few villages as model villages for
the implementation of this scheme. The measurable indicator
to find out the effectiveness of the health programme is
the reduction of the number of days women fall in sick and
reduction of medical expenses of a family in the particular
year. Due to the efforts and services of SHEPHERD it has
been reduced considerably.
SHEPHERD recently launched micro
pension program to its members with the collaboration of
Unit Trust of India. As per this scheme, members have to
make Rs 100 as monthly payment to UTI through SHEPHERD.
On maturity, this amount can be withdrawn either in single
or partial withdrawals. Around 5100 members joined in this
scheme and the same was inaugurated by Shri. P. Chidambaram
Finance Minister Government of India.