AP YSR Bheema Scheme 2021 – Insurance Coverage for Primary Bread Earners of BPL Families

Quite often, the onus of running the family falls on who’s considered to be the breadwinner for the family. And while one can assume that the breadwinner is doing good enough a job, it is only on further inspection that one knows about how bad the situation is, and how much support even the supposed breadwinner needs.

In order to help out such breadwinners in the State of Andhra Pradesh, the state government has announced the AP YSR Bheema scheme 2021 – insurance coverage for such breadwinners of Below Poverty Line families who always put the needs and wants of their families before themselves.

About the AP YSR Bheema Scheme 2021

The AP YSR Bheema scheme will roughly cover 1.41 crore “primary bread earners” of BPL families mainly belonging to the unorganised sector. The Andhra Pradesh government will handle the funding all by itself for the implementation of the entire scheme.

The Andhra Pradesh state government has earmarked an amount of ₹510 crores for the implementation of the scheme across the state and to offer insurance cover to these breadwinners across the state.

Over the months, the premium amount is expected to go higher as the number of YSR Bheema scheme beneficiaries are said to increase. The YSR Bheema scheme premium amount will be paid by the State government of Andhra Pradesh once the bank accounts of eligible citizens are made functional.

Category-wise insurance coverage

Here is a complete category wise insurance coverage for the AP YSR Bheema scheme

  • Applicants belonging to the age group 18 to 50 years will get ₹5 lakh insurance coverage for accidental death and total permanent disability.
  • Applicants belonging to the age group 51 to 70 years will get ₹3 lakh insurance cover for accidental death and total permanent disability.
  • Furthermore, in case of natural death in the age group 18 to 50 years, the family will get ₹2 lakh.
  • All applicants in the age group 18 to 70 years will get ₹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.

Selection process for the YSR Bheema scheme beneficiaries

When it comes to the selection process of the YSR Bheema beneficiaries, the volunteers would be surveying door to door and check for white ration cardholders. This would further be supervised by the Secretary of Welfare within the Secretariat. The beneficiaries should ideally open a bank account including the nominee.

The Beneficiaries would also have to pay a bare minimum of ₹15 per annum.

Wrapping it up

Quite often, the breadwinners of the house tend to forget themselves in the endless rat race they have to go through to simply meet the needs of their family. These heroes need to be celebrated and the Andhra government seems to have done just that with the rightly named Bheema scheme – the pillars of every household.

Similar Yojanas

Schemes launched by the state government

The state governments of India are the next important government bodies right after the central government of the country. The state governments constitute 28 states and 8 union territories

India is a democratic and republic country wherein highest authorities and powers are proffered to the central government. For the state government, real executive powers are given to Chief Minister as he is responsible for heading the Council of Ministers. The state governments of India work toward internal security, such as police department, social welfare, public health betterment and other similar state-related issues. The state government of the country earns its employee income from sales tax services, stamp duty services, and from some parts of GST.

The state governments have launched a variety of schemes so far. Some of the examples are as follows:

In Andhra Pradesh, Chandranna Bima Yojana, National Energy Efficient Agriculture Pumps Program, and Smart Pulse Survey have been launched. In Assam, Mass Rapid Transit System has been recently launched. In Maharashtra, Police Pratisaad Ask services and various schemes for the betterment of farmers have been launched. In Karnataka, PM Santwana Harish Yojana, and Housing scheme for Transgenders have been launched. In Uttar Pradesh, Deen Dayal Upadhyay Gram Jyoti Yojana, Hausla Paushan scheme, and Swadhar Greh yojana have been launched.

The state government of India monitors both rural and urban development. However, it is not feasible for the state government to monitor all rural and urban local government bodies. Thus, based on the provided funding and coverage, rural and urban local entities create development plan whenever required. These government entities work in close association with planning commission and local or regional government sectors and authorities.

Apart from these schemes, the state government also ensures the effective implementation of centrally sponsored schemes in respective states.