AP YSR Bheema Scheme 2026 - Insurance Coverage for Primary Bread Earners of BPL Families

Andhra Pradesh government launched AP YSR Bheema Scheme 2026 on 21 October 2020 to provide insurance cover for primary bread earners of Below Poverty Line (BPL) families. The scheme is still in place and the official portal bima.ap.gov.in carries the full scheme details for eligible families.

Under this scheme, the state government pays the full insurance premium on behalf of eligible families. At the time of launch, the government released Rs. 510 crore as premium for 1.41 crore families in the state.

AP YSR Bheema Scheme 2026

The AP YSR Bheema Scheme covers primary bread earners of BPL families belonging to the unorganised sector. The state government bears the full premium, so eligible families do not have to pay anything for the insurance cover.

The premium amount was expected to go up further as the number of beneficiaries increased after the launch. The premium is paid by the state government once the bank accounts of eligible citizens are operational.

Category Wise Insurance Coverage

Here is the complete category wise insurance coverage for AP YSR Bheema Scheme 2026:-

• Applicants in the age group of 18 to 50 years get Rs. 5 lakh insurance cover for accidental death and total permanent disability.
• Applicants in the age group of 51 to 70 years get Rs. 3 lakh insurance cover for accidental death and total permanent disability.
• In case of natural death in the age group of 18 to 50 years, the family gets Rs. 2 lakh.
• All applicants in the age group of 18 to 70 years get Rs. 1.5 lakh in case of partial permanent disability due to an accident.

The Andhra Pradesh government has assured that the claim amount will be deposited into the linked bank account within 15 days of the claim being made.

Need for AP YSR Bheema Scheme

Lack of financial security of BPL families in case the bread earner, working in the unorganised sector, loses his or her life is a nightmare for these families. The financial turmoil that the family faces in such a situation cannot be easily handled. During his Praja Sankalpa Yatra, Former Chief Minister YS Jagan Mohan Reddy came across many citizens facing problems due to lack of insurance cover, and he promised to launch AP YSR Bheema Scheme for them.

Selection Process of YSR Bheema Scheme Beneficiaries

When it comes to the selection process of YSR Bheema Scheme beneficiaries, volunteers survey door to door and check for white ration card holders. This is supervised by the Secretary of Welfare within the Secretariat. The selected beneficiaries should open a bank account including the nominee. The full premium for the insurance cover is paid by the state government.

Nominee of AP YSR Bheema Scheme

Nominees include wife, 21-year-old son, unmarried daughter, widowed daughter and dependent parents, widowed daughter-in-law or her children. The beneficiary is given an Identity Card with a Unique Identification Number (Unique Id) and policy number. The insurance amount must be paid within 15 days of the claim being intimated.

The district federations under the SERP process the claim and the amount is deposited directly into the bank account. The beneficiaries are advised to contact PD DRDA for complaints regarding insurance enrollment or claim payment.

Background of YSR Bheema Scheme

Earlier, the AP state government was providing free insurance to the poor at its own expense due to the suspension of financial support from the centre for the existing insurance scheme. Through this, the government provides financial support to those who die naturally or accidentally. Around 11,022 people who had been eligible for the scheme since its starting and were not covered by the regulations had died with normal conditions. Another 1,017 had died from accidental or permanent disability. The state government paid the premium to the respective banks on behalf of each of the names registered in the YSR insurance scheme.

However, a total of 12,039 families who were eligible died before the registration process was completed. Officials said they were on a list of those who could not get financial support from the relevant insurers and banks. They said that Former Chief Minister YS Jagan had decided to treat them generously and support their families. He directed them to seek financial support exclusively from government funds.

The state government spent Rs. 258 crore on these 12,039 families, according to the Rural Poverty Alleviation Program (SERP). Authorities handed over financial support to YSR Bheema scheme beneficiaries on 6 April 2021. Around 12,039 families received financial support of Rs. 258 crore on the day, SERP officials said.

FAQ's

Is AP YSR Bheema Scheme still in place?

Yes, the scheme continues and the official portal bima.ap.gov.in carries the scheme details for eligible families.

Who can be enrolled under AP YSR Bheema Scheme?

Primary bread earners of BPL families in the age group of 18 to 70 years can be enrolled as beneficiaries of the scheme.

What is the claim amount under AP YSR Bheema Scheme?

Eligible families get up to Rs. 5 lakh for accidental death and total permanent disability, Rs. 2 lakh for natural death, and Rs. 1.5 lakh for partial permanent disability.