YSR Bima Scheme in Andhra Pradesh

The main objective of the scheme is to provide relief to the bereaved families of BPL in case of death or disability of their Primary Bread Earners to mitigate the financial impact due to the sudden loss of the Primary source of income.

The death or disability due to the accident of a Primary Bread Earner results in misery to his/her family with hardship and reduced earnings and excessive medical expenditure relating to the accident. Hence, there is every need to provide accidental death and disability insurance to the Primary Bread Earner of BPL families towards social security. Further, even the natural death of a Primary Bread Earner of the BPL family results in undue hardship to the surviving family members who are to be provided with some relief. Thus, the State Government has introduced the YSR- Bima scheme

“YSR BIMA ” (Social Security Scheme) for Providing Rs.1.00 lakh Natural Death relief directly from Government and Rs.5.00 lakh Accidental Death / Permanent Disability relief through Group Insurance Scheme to the Primary Bread Earners of BPL Families

Salient Features of YSR Bima Scheme in Andhra Pradesh

All Primary Bread earners belonging to BPL families in the State, in the age group of 18 to 70 years are eligible to be enrolled as beneficiaries of the new YSR- Bima Scheme. 

Benefits under the new YSR -Bima Scheme are as follows: 

• Rs.1.00 lakh relief amount to the nominees of the beneficiaries towards Natural Death in the age group of 18-50 years under YSR Bima Scheme will be paid directly by the Government through GV/WV & VS/WS Department.

• Rs.5.00 lakh relief amount will be paid to the beneficiaries towards Accidental Death/Permanent Disability in the age group of 18-70 years through an insurance company. Insurance coverage will be made under a suitable Group Insurance Scheme by the selected Insurance Company. The total premium for the Scheme shall be paid by the Government.

Eligibility Criteria of YSR Bima Scheme in Andhra Pradesh

The members should be aged between 18 completed years and 70 years. He / She should be from Below the Poverty line. He / She should be Primary Bread earning member. The decision as to the eligibility of the member for the enrolment into the scheme is fully vested with the Nodal Agency. The Nodal Agency will, however, verify the eligibility of the member as per the above criteria.

Verification of Age

The Nodal Agency has to satisfy that the member covered under the Scheme is in the respective age group as desired by the scheme. Age admission will be done based on Aadhar or any other document as specified in the notification under section 7 of the Aadhar Act.

Appointment of Nominee

Every insured member shall appoint one or more from the spouse or children or dependents to be the nominee or nominees in accordance with Section 39 of the Insurance Act 1938. In the event of death of the insured member, while being covered under the Scheme, the benefits of insurance cover as assured on his life will be paid to the nominee. If the insured member does not have a spouse or child/children or dependents, then he shall appoint his legal representative to be the nominee. The Data regarding nomination will be maintained by the Implementing Agency and they shall submit the details of nomination or legal heirs to Insurance Companies for settlement of claims. In case the nominee is a minor, then the insured member shall appoint an Appointee to receive the benefit of assurance.

Servicing of the Scheme

The Nodal Agency will coordinate with all concerned Implementing Agencies to adopt a strong IT-based system to service the Scheme. The implementing agencies will maintain a centralized database of the insured members. The settlement of claims would be subject to implementing Agency submitting Claim form, claim-cum discharge form and copy of the Death Certificate, age proof of member as required by the insurance company in accordance with policy terms, conditions & MoU. Details of a nominee like the Aadhar number and bank account to which the claim proceeds are to be credited, and other details as required by the insurance company to process the claim.

How to apply for YSR Bima Scheme in Andhra Pradesh?

As part of the YSR Bheema Scheme, the beneficiaries do not have to do any kind of registration. The volunteers will conduct a door to door survey, which will check the white ration card holders for eligibility. The survey results will then be verified by the government. After that, the selected citizens will be asked to open a bank account including the nominee and they will have to pay a premium of Rs 15 per annum.

Visit the Official Portal for more details.

How to check the status of YSR Bhima online?

Follow the below steps to check the status of YSR Bhima online in Karnataka

• Visit YSR Bhima official portal

• There are 3 options available. Search By Name/Aadhaar Number/Rice Card, you can select any one of the options for getting the details.

If you select "Search By Aadhaar"

• Enter the Aadhaar number on the "Enter Aadhaar Number" field
• Click on the "Get details"

If you select "Search By Rice Card"

• Enter the Rice Card number on the "Enter Rice Card Number" field
• Click on the "Get details"

If you select "Search By Name"

• Select "District Name", "Mandal Name" and "Secretariat Name"
• Enter the name on the "Enter Name" field
• Click on "Search"