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<h1>Scheme merger ensures unified administration and avoids duplicate life insurance coverage for economically backward sections.</h1> The merger of Janashree Bima Yojana and Aam Aadmi Bima Yojana creates a unified operational framework to provide life insurance cover to economically disadvantaged persons, aligning comparable benefit structures and implementation channels to streamline administration and service delivery, and specifically to avoid duplication of coverage so as to allow more accurate assessment of claim experience.