YSR Bima Scheme: Eligibility, Benefits, Claim Amount, Status, Helpline Number

The natural death or disability due to an accident of a primary bread earner in a family results in misery for his/her family with reduced earnings, hardship and excessive medical expenditure relating to the accident. Hence, there is a need to provide disability and death insurance to the primary bread earner of the BPL families towards social security. Thus, the Andhra Pradesh Government introduced the YSR Bima Scheme.

YSR Bima Scheme is a social security scheme launched on 01 July 2021. The nodal agency of this scheme is the Labour Department, and the implementing agency is the GSWS Department. The scheme’s main objective is to give an insurance amount to the bereaved BPL families in the case of death or disability of the primary bread earner of the family to mitigate the sudden financial loss of the primary source of income. 

Eligibility of the YSR Bima Scheme

• The person should be the primary bread-earning member of the family.
• The person should be from a Below Poverty Line (BPL) family. 
• The primary bread earner should be aged between 18 to 50 years in the case of natural death insurance cover and 18 to 70 years in the case of accidental death or full disability insurance cover.

Benefits of the YSR Bima Scheme

• The insurance coverage provided to the BPL family members upon the death or disability of the primary bread earner is as follows:
  • Claim amount for natural death - 1 lakh
  • Claim amount for accidental death - 5 lakh
  • Claim amount for full disability - 5 lakh
• The beneficiary need not pay any premium for the insurance coverage. The Andhra Pradesh Government will bear the expenses.
• The village or ward volunteers will help the beneficiaries open a Jan Dhan or National bank account to receive the insurance claim.
• The State Government will provide the insurance amount of Rs.1 lakh or Rs.5 lakh directly to the BPL family within 15 days of the insurance claim.

YSR Bima Scheme Application Process

The GSWS Department is the implementing agency for this scheme, and the Director of the GSWS Department will identify the eligible beneficiaries for this scheme using the services of Grama or ward volunteers. Thus, the eligible beneficiaries can contact the Grama or ward volunteers for this scheme or the Director of the GSWS Department to get their name on the beneficiary list.

The Grama, village or ward volunteers will undertake a door-to-door survey and register all primary bread earners belonging to the BPL families in Andhra State and enroll them as beneficiaries under the YSR Bima Scheme.

The GSWS Department will identify the eligible registered members for the scheme, enroll them as members, prepare a database of such members and intimate the nodal agency, i.e. the Labour Department, regarding such enrollment along with the data. A designated officer of the Grama Sachivalayam or Ward Sachivalayam, i.e. Welfare Assistant, is the registering authority under this scheme.

The Labour Department will accept the data provided by the GSWS Department after due validation. The eligible beneficiaries must sign a formal enrolment form and a declaration of good health. The government will provide the master policy and unique identity to each beneficiary. The insured member must appoint one or more nominees to receive the insurance coverage amount after the member’s death. The spouse, children or dependents can be the nominees under this scheme. 

Documents Required for the YSR Bima Scheme

• Aadhaar card
• Aadhaar card of the nominees
• Bank account details like IFSC code and account number
• Andhra Pradesh domicile certificate 
• BPL card or Rice card
• Good Health Certificate

YSR Bima Scheme Beneficiary Status

The eligible beneficiaries can check their status under this scheme by following the below process:

• Visit the YSR Bima Scheme website.
• Click on the ‘Search’ tab on the homepage.
• Select the year.
• Select the ‘Search by Aadhaar’, ‘Search by Rice Card’, or ‘Search by Name’ option.
• Enter the Aadhaar card number, Rice card number or name and click the ‘Get Details’ option.
• The beneficiary status will be displayed on the screen.

Claim Procedure of YSR Bima Scheme

• The nominee will have to download the YSR Bima Scheme claim form.
• After filling out the claim form, the nominee will have to enclose the required documents and submit them to the felicitation centre of the YSR Bima Scheme, i.e., the Grama Sachivalayam or Ward Sachivalayam.
• The scheme amount will be transferred to the nominee’s account within 15 days of submitting the claim form.

Documents Required for YSR Bima Scheme Claim Form

• Hospital discharge summary
• Police final report
• Post mortem report
• Claim cum discharge form
• Copy of death certificate
• Member’s age proof
• Nominee’s Aadhaar card
• Bank passbook copy

The YSR Bima Scheme provides insurance to the BPL families in the case of death or disability of the primary bread earner of the family. The insurance coverage will help the family to mitigate the financial loss they face due to the death or disability of the primary earner of the family. Around 1.21 crore people living below the poverty line beneficiaries are registered under this scheme.

Contact YSR Bima Scheme helpline for assistance and queries here.

Related Articles:
Rythu Bandhu Scheme
YSR Rythu Bharosa Scheme
YSR Arogya Asara Scheme