Antyodaya Shramik Suraksha Yojana 2023

Antyodaya Shramik Suraksha Yojana 2023 

The Antyodaya Shramik Suraksha Yojana is a visionary affordable insurance scheme aimed at providing comprehensive coverage and protection to the unorganized sector workers across the nation. Recognizing the immense contributions of shramiks towards the growth and development of our country, this offering is designed to ensure their financial stability and well-being.

  • Comprehensive Coverage: It encompasses a wide range of benefits, including accidental insurance of Rs. 10 Lakhs and Rs. 5 Lakhs, Disability benefits, Hospitalisation benefit etc. all tailored to cater to the unique needs of the shramiks.
  • Affordable Premiums: Being offered at very affordable annual premium rate of Rs. 499/- for Rs. 10 Lakhs cover and Rs. 289/- for Rs. 5 Lakhs cover, making it accessible to shramiks from all walks of life.
  • Easy Enrollment Process: Shramiks can conveniently enroll through nearest post office/Post man/Grameen Dak Sewak.
  • Pan India Coverage: Post the successful pilot launch, the scheme will be rolled out pan India to cover over 28 Crore+ shramiks. This nationwide coverage will ensure that every shramik, regardless of their geographical location can avail the benefits.

By ensuring financial security, accidental cover and hospitalisation benefits, this scheme will empower shramiks to contribute more effectively to the nation’s progress.

The insurance plan recommended below has capital benefits and allied/ additional value-added benefits meeting the needs of the labour workforce of our nation. Capital benefits are linked to death and disability on account of accidents. Allied benefits would help the Insured member or their family take care of the incidental expenses that could get impacted in case of an accident. 

Eligibility for Gujarat Antyodaya Shramik Suraksha Yojana 

  • It is mandatory for the citizens who want to get the benefit of this scheme to be a native of the state of Gujarat. 
  • The benefit of this scheme can be obtained only by the working citizens of the state. 
  • The labor citizens who have E Shram Card or Shramik Card, only they will be given the benefit of this scheme. 
  • Apart from this, the bank account of the worker should be linked to the Aadhaar card.

Antyodaya Shramik Suraksha Yojana Required Documents 

  • identity card
  • Address proof
  • Aadhar card
  • labor card
  • e shramik card
  • Bank account statement
  • passport size photo
  • mobile number etc. 

How to apply under Antyodaya Shramik Suraksha Yojana?

All the laboring citizens of the state who want to apply under this scheme to get the benefits of Gujarat Antyodaya Shramik Suraksha Yojana can apply under this scheme by following the following procedure:- 

  • First of all, you have to go to the post office/Gramin Dak Sevak’s office near you, there you have to contact the officer. 
  • You have to get the application form from the official to apply under Shramik Suraksha Durghatna Bima Yojana. 
  • After receiving the application form, you have to enter all the information asked in the form, after that you also have to attach the necessary documents asked in the form. 
  • After this, you have to submit this application form to the nearest post office/Gramin Dak Sevak’s office, from whichever office you have received the form. 
  • After the form is submitted, your application form will be verified by the officials, after the verification of the application form, you will be given the benefit of this scheme. 
  • By following this process you can conveniently apply under Antyodaya Shramik Suraksha Yojana.

Plan Options:

Benefit TypeBenefitsPlan A – 10 Lakh Sum Insured (INR 499)Plan B – 5 Lakh Sum Insured (INR 289)
Capital BenefitsAccidental Death100% of Sum Insured100% of Sum Insured
Permanent Total Disability100% of Sum Insured100% of Sum Insured
Permanent Partial Disability100% of Sum Insured100% of Sum Insured
Accidental Dismemberment100% of Sum Insured100% of Sum Insured
Add-on BenefitsAccidental Medical Expenses – Inpatient Hospitalisation CoverINR 1 Lakh or actual claim amount (whichever is lower) – requires 24 hrs of hospitalisationINR 50,000 or actual claim amount (whichever is lower) – requires 24 hrs of hospitalisation
Prolonged Hospitalisation Benefit – in case of AccidentsINR 10,000 will be paid if hospitalised for a continuous period exceeding 7 days during the policy period in case of accident – available as a one-time benefitNot Available
Funeral ExpensesINR 5,000 or actuals whichever is lowerINR 5,000 or actuals whichever is lower
Repatriation of Mortal remainsINR 5,000 or actuals whichever is lowerINR 5,000 or actuals whichever is lower
Coma Benefit in case of AccidentsINR 1 Lakh as a one-time benefit during the policy periodINR 50,000 as a one-time benefit during the policy period
Education BenefitINR 1 Lakh for maximum 2 eligible children in case of accidental death of the insured memberNot Available
Premium excluding GSTINR 423INR 245
Premium including GSTINR 499INR 289
Note: The risk commencement date under this policy to start 15 days post the receipt of premium to eliminate the possible incidences of fraud. However, the Insured member will be eligible for the coverage for 365 days from thereon.

IPPB Group Accident Gaurd Policy (GAG)I IPPB Tata AIG Group Accident Gaurd Policy

  • Key Features of IPPB TATA AIG Group Accident Gaurd Policy:
  • Accidental Death Coverage of Rs.10,00,000
  • Permanent Total Disability Coverage of Rs.10,00,000
  • Permanent Partial Disability Coverage of Rs.10,00,000
  • Accidental Dismembernment and ParalysiS Coverage of Rs.10,00,000
  • Accidental Medical Expenses IPD Fixed upto Rs.60,000 or actual claims, whichever is lower
  • Post Tax Premium Rs.399
  • Accidental Death Coverage of Rs.10,00,000/-
  • Permanent Total Disability Coverage of Rs.10,00,000/-
  • Permanent Partial Disability Coverage of Rs.10,00,000/-
  • Post Tax Premium Rs.399
  • Accidental Medical Expenses OPD
  • Fixed up to Rs.30,000/- or actual claims, whichever is lower
  • Education Benefit
  • 10% of SI or Rs.1,00,000/- or actual, whichever is lower for maximum 2 eligible Children
  • In-Hospital Daily Cash
  • Rs.1,000 per day up to 10 days (1 day deductible)
  • Family Transportation
  • Benefits 25,000/- or actual, whichever is lower

Overview of Antyodaya Shramik Suraksha Yojana

Scheme NameAntyodaya Shramik Suraksha Yojana
was initiatedBy the Chief Minister of the state Bhupendra Patel  
Year2023
beneficiaryWorkers of Gujarat State
application procedureoffline 
ObjectiveTo provide financial security to the workers of Gujarat state in case of accident
BenefitWorkers of Gujarat state will be provided financial security in case of accident 
Categorygujarat government schemes
official website

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