YSR Bima Scheme

What is the YSR Bima Scheme?

YSR Bima is the Andhra Pradesh government's insurance and relief scheme for the families of people who earn the household's main income. YSR Bima is administered by the Labour Department, with the field work handled by the Society for Elimination of Rural Poverty (SERP) and the state's Grama and Ward Sachivalayam network.

According to the scheme portal at bima.ap.gov.in, the scheme in its present form was launched on 21 October 2020, after the central government withdrew from the earlier converged insurance arrangement in April 2020. Andhra Pradesh chose to carry the cost itself rather than let the cover lapse, and released about Rs 510 crore towards the first year's premium, covering roughly 1.41 crore rice card families.

The idea behind YSR Bima is narrow and clear. When the person who earns a poor household's income dies or is permanently disabled, the family loses its entire cash flow at once. YSR Bima puts a lump sum into the nominee's hands quickly so that the household is not pushed into distress borrowing.

Main features

• No premium is paid by the family. The state government funds the scheme in full.
• Cover attaches to the primary breadwinner of a BPL rice card household, one per household.
• The eligible age band is 18 to 70 years.
• Relief is paid to a registered nominee by Direct Benefit Transfer.
• Enrolment, claim intimation and document collection all happen at the village or ward Sachivalayam, not at an insurance office.

Who is eligible for the YSR Bima Scheme?

You are covered if:

• Your household holds a rice card (white ration card) issued in Andhra Pradesh, which is the state's operational marker of a BPL family.
• You are the primary breadwinner of that household, meaning the member whose earnings the family mainly depends on.
• You are aged between 18 and 70 years.
• You are an unorganised sector worker, farmer, agricultural labourer, tenant cultivator, artisan or small self-employed person, that is, someone outside formal employer-provided cover.
• Your household details are recorded in the state's Sachivalayam database with a nominee named against your entry.

You are not eligible if:

• Your household does not hold a rice card, or was excluded from the rice card list on income, land, vehicle or government-service grounds.
• The breadwinner is below 18 or above 70 years of age on the date of the event.
• The household is above the BPL threshold the state applies for rice cards. Andhra Pradesh's rice card rules exclude income tax paying households, households with a government employee, and households owning a four-wheeler, and those exclusions carry into YSR Bima because the rice card is the gateway.
• A second member of the same household is being claimed for. One breadwinner is enrolled per household.

Note that enrolment is not something you buy. If your household holds a rice card and your details are correctly entered at the Sachivalayam, the cover exists without any action from you. The failure mode is a missing or wrong entry, not a missed payment.

How much does YSR Bima pay?

The scheme portal sets the relief out by age band and by type of event.

Two points are worth being precise about. First, the accidental death and total disability amount of Rs 5,00,000 applies only to the 18-50 age band; the 51-70 band is covered at Rs 3,00,000. Second, natural death relief and accidental death relief are different heads with different amounts, and the state has revised the natural death figure more than once since 2020 to confirm the current natural death amount at your Sachivalayam before relying on a number you read elsewhere.

Relief is credited directly to the nominee's bank account. Andhra Pradesh has publicised a target of settling natural death relief within a short window of the claim being raised, and the Sachivalayam route exists precisely to compress that timeline.

What documents are required for YSR Bima?

How to apply for YSR Bima and how to claim

1. Confirm your household is enrolled. Visit your Grama or Ward Sachivalayam with your rice card and Aadhaar, and ask the Welfare and Education Assistant to show your household's YSR Bima entry.
2. Get the primary breadwinner tagged correctly. If the wrong member is marked as breadwinner, or nobody is, have the entry corrected. This is the single most consequential step, because the cover follows the tagged member.
3. Register a nominee. Give the nominee's name, relationship, Aadhaar number and bank account details. Without a valid nominee on record, a claim later stalls.
4. When a death or disability occurs, intimate the Sachivalayam immediately. Do not wait for the certificates. Early intimation starts the file.
5. Submit the claim documents, death certificate, deceased person's Aadhaar and rice card, nominee's Aadhaar and bank passbook, plus FIR and post-mortem report for an accident or a disability certificate for a disability claim.
6. Track the claim through the Sachivalayam or on bima.ap.gov.in, which carries scheme information and a grievance route.
7. Receive the relief by DBT into the nominee's account.

There is no online self-registration form for YSR Bima. Enrolment is a database entry made by the state from the rice card and Sachivalayam records, so all practical action happens at the village or ward office.

Why YSR Bima claims get rejected

• No rice card, or the household was removed from the rice card list.
• Age outside 18-70 on the date of death or disability.
• Wrong member tagged as primary breadwinner, so the person who died was not the insured member.
• No nominee recorded, or nominee's Aadhaar and bank details do not match.
• Accidental cause not established — an accident claim filed without an FIR or post-mortem report is usually reassessed as a natural death claim at the lower amount.
• Late intimation, which makes verification harder and slows settlement even where it does not defeat the claim.
• Duplicate claim for a second member of the same household.

Most of these are fixable before anything happens, and that is the point worth acting on. A household that checks its YSR Bima entry once; breadwinner tagged, age recorded, nominee named with a live bank account; removes the majority of the reasons claims fail.

How to raise a grievance

• Grama and Ward Sachivalayam helpline: 1902, the state's general welfare grievance number.
• Assistant Labour Officer of your mandal, the registering authority for unorganised worker enrolment under the scheme.
• Grievance section on bima.ap.gov.in, for written complaints against a rejected or delayed claim.
• District Collector's grievance day (PGRS) for escalation where a claim has been pending unreasonably long.

YSR Bima costs the family nothing at any stage. No premium is due, no enrolment fee exists, and no agent can charge you to add a name or process a claim.