Difficulty: Easy
Correct Answer: Shiksha Sahyog Yojana
Explanation:
Introduction / Context:
Insurance based social security schemes often involve sharing of premium payments between the government, employers, and beneficiaries. However, in some cases, the government pays the entire premium on behalf of the beneficiary. This question asks which scheme is designed in such a way that the Central Government pays the full premium of the assured person, making it an important example of fully subsidised social security support.
Given Data / Assumptions:
Concept / Approach:
Shiksha Sahyog Yojana is an educational scholarship scheme associated with social security insurance programmes. It is designed so that the Central Government pays the entire insurance premium on behalf of eligible beneficiaries. This makes the scheme especially useful for poorer sections because they receive coverage and related benefits without paying premium from their own pocket. Other schemes mentioned have different funding arrangements and are not fully funded by the Central Government for the beneficiary's premium.
Step-by-Step Solution:
Step 1: Recall that Jawahar Bhima Yojana is an insurance scheme for rural workers where contributions may be shared, but it is not fully funded for the individual's premium.Step 2: Remember that Shiksha Sahyog Yojana provides educational support linked with social security and is known for being fully subsidised in terms of premium payment by the Central Government.Step 3: Swarnajayanti Shahari Rozgar Yojana is an urban employment scheme rather than an insurance programme, so the idea of premium payment does not apply in the same way.Step 4: Therefore, the scheme in which the entire premium of the assured person is paid by the Central Government is Shiksha Sahyog Yojana.
Verification / Alternative check:
Exam oriented Indian economy and social security notes frequently include a question almost identical to this one, with the answer clearly given as Shiksha Sahyog Yojana. This pattern is consistent across multiple reliable exam preparation sources, confirming that Shiksha Sahyog Yojana is the correct answer.
Why Other Options Are Wrong:
Jawahar Bhima Yojana: Although it is an insurance scheme for weaker sections, the entire premium is not paid exclusively by the Central Government for every assured person.
Swarnajayanti Shahari Rozgar Yojana: This is an employment generation programme in urban areas, not an insurance scheme where individual premiums are discussed in the same sense.
None of these: Incorrect because Shiksha Sahyog Yojana clearly fits the description of a scheme with the entire premium paid by the Central Government.
Common Pitfalls:
Because the names of Indian schemes are often long and similar, aspirants sometimes mix them up, especially when there are multiple yojanas related to employment or social security. It helps to associate Shiksha Sahyog with education and full government support of premium, so that you can quickly recall this connection in exams.
Final Answer:
Shiksha Sahyog Yojana is the scheme in which the entire premium of the assured person is paid by the Central Government.
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