Antyodaya Shramik Suraksha Yojana 2026: Eligibility, Apply Online, Premium, Benefits & Claim Process

The Antyodaya Shramik Suraksha Yojana (ASSY) was launched on 8th July 2023 by the India Post Payments Bank (IPPB) in partnership with six leading insurance companies. The scheme was first pilot-launched in Nadiad, Kheda District of Gujarat by the Hon’ble Chief Minister of Gujarat, and later expanded across Vadodara, Ahmedabad, and Rajkot regions. The main aim of this scheme is to provide affordable accidental insurance coverage to the 28 crore+ unorganized sector workers (Shramiks) of India who often work in hazardous conditions without any financial safety net.

Under the Antyodaya Shramik Suraksha Yojana, workers can get accidental insurance coverage of ₹5 lakh or ₹10 lakh at a very low annual premium of just ₹289 or ₹499 respectively. The scheme covers accidental death, permanent total disability, permanent partial disability, accidental dismemberment, hospitalization expenses, education benefits for children, and funeral expenses. As of May 2025, over 6,97,531 policies have been issued and 355 claims have been settled with a total disbursement of ₹5,41,17,754. The scheme leverages India’s vast postal network of ~1,65,000 post offices and ~3,00,000 postal employees to reach the last mile.

In this article, you will learn everything about the Antyodaya Shramik Suraksha Yojana including eligibility criteria, how to apply, premium details, claim process, required documents, benefits, and frequently asked questions. Whether you are a construction worker, daily wage labourer, or any unorganized sector worker looking for affordable accidental insurance, this guide covers all the details in simple and easy-to-understand language.

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Table of Contents

Overview of Antyodaya Shramik Suraksha Yojana

The Antyodaya Shramik Suraksha Yojana is a group accidental insurance scheme designed specifically for unorganized sector workers registered on the e-Shram portal. It provides comprehensive coverage at highly affordable premiums through India’s extensive post office network, making it one of the most accessible insurance schemes for the working class.

Particulars	Details
Scheme Name	Antyodaya Shramik Suraksha Yojana (ASSY)
Launched Date	8th July 2023
Launched By	India Post Payments Bank (IPPB)
Pilot Launch Location	Nadiad, Kheda District, Gujarat
Target Beneficiaries	Unorganized sector workers (Shramiks) registered on e-Shram portal
Total Workers to be Covered	28 crore+ across India
Insurance Partners	6 companies (New India Assurance, Bajaj Allianz, TATA AIG, Niva Bupa, Aditya Birla Health Insurance, Star Health)
Plan Options	Plan A: ₹10 lakh cover at ₹499/year; Plan B: ₹5 lakh cover at ₹289/year
Policies Issued (as of May 2025)	6,97,531
Claims Settled (as of May 2025)	355
Total Claim Amount Disbursed	₹5,41,17,754
Entry Age	18 to 65 years
Coverage Period	365 days from risk commencement
Risk Commencement	15 days after premium receipt
Application Mode	Offline through Post Office / Postman / Gramin Dak Sevak
Helpline	155299
Official Website	ippbonline.bank.in

Eligibility Criteria of Antyodaya Shramik Suraksha Yojana

To avail the benefits of the Antyodaya Shramik Suraksha Yojana, applicants must meet the following eligibility conditions:

Age Limit: The applicant must be between 18 years and 65 years of age at the time of enrollment.
Occupation: The applicant must be an unorganized sector worker or labourer (Shramik) engaged in any form of informal employment.
e-Shram Registration: The applicant must be registered on the e-Shram portal – the government’s database for unorganized workers.
Residency: The scheme is available pan-India – workers from any state or union territory can enroll.
Health Condition: The applicant should not have any pre-existing accidental injury or disability at the time of enrollment.
No Other Restriction: There is no income limit, caste restriction, or gender-based exclusion under this scheme.
Fresh Enrollment: The applicant should not already be covered under the same plan for the same policy period.

Note: The scheme is specifically designed for Shramyogis (workers) who are registered on the e-Shram portal. If you are not yet registered, you must first complete your e-Shram registration before applying for this insurance.

Benefits of Antyodaya Shramik Suraksha Yojana

The Antyodaya Shramik Suraksha Yojana offers comprehensive accidental insurance coverage with multiple benefits. Here are the key advantages explained in detail:

4.1 Accidental Death Cover

100% of the Sum Insured is paid to the nominee in case of accidental death of the insured worker.
Plan A: ₹10 lakh; Plan B: ₹5 lakh.

4.2 Permanent Total Disability Cover

100% of the Sum Insured is paid if the worker suffers permanent total disability due to an accident.
This includes loss of both eyes, both hands, both feet, or one hand and one foot.

4.3 Permanent Partial Disability Cover

Up to 100% of the Sum Insured is paid based on the severity of the disability.
For example: loss of one eye (50%), loss of one hand (55-70%), loss of hearing in one ear (30%), etc.

4.4 Accidental Dismemberment Cover

100% of the Sum Insured is paid for loss of limbs or body parts due to accidents.

4.5 Accidental Medical Expenses – Hospitalization Cover

Plan A: Up to ₹1 lakh or actual claim amount (whichever is lower) for inpatient hospitalization requiring minimum 24 hours.
Plan B: Up to ₹50,000 or actual claim amount (whichever is lower) for inpatient hospitalization requiring minimum 24 hours.

4.6 Prolonged Hospitalization Benefit

Plan A only: ₹10,000 is paid if hospitalized continuously for more than 7 days due to an accident.
This is a one-time benefit during the policy period.

4.7 Funeral Expenses

Up to ₹5,000 or actual expenses (whichever is lower) is paid towards funeral costs in case of accidental death.

4.8 Repatriation of Mortal Remains

Up to ₹5,000 or actual expenses (whichever is lower) is paid for transporting the body from the place of death to the cremation ground or residence.

4.9 Coma Benefit

Plan A: ₹1 lakh as a one-time benefit if the insured goes into a coma due to an accident.
Plan B: ₹50,000 as a one-time benefit for the same.

4.10 Child Education Benefit

Plan A only: ₹1 lakh is paid for the education of up to 2 eligible children (below 25 years of age) in case of accidental death or permanent total disability of the insured.

Application Procedure of Antyodaya Shramik Suraksha Yojana

The application process for the Antyodaya Shramik Suraksha Yojana is simple and can be completed through India’s postal network. Here is the detailed process:

5.1 Online Application Process

Currently, there is no dedicated online application portal for direct citizen enrollment. However, you can get information online:

Step 1: Visit the official IPPB website at ippbonline.bank.in.
Step 2: Navigate to the “Antyodaya Shramik Suraksha Yojana” section under products or schemes.
Step 3: Read the plan details, benefits, and terms carefully.
Step 4: Note down the required documents and premium amount.
Step 5: Visit your nearest post office to complete the enrollment physically.

5.2 Offline Application Process (Primary Method)

Step 1: Locate your nearest Post Office or contact your Postman / Gramin Dak Sevak (GDS).
Step 2: Ask for the Antyodaya Shramik Suraksha Yojana enrollment form.
Step 3: Fill in the proposal form with your personal details, e-Shram registration number, nominee details, and contact information.
Step 4: Choose your preferred plan – Plan A (₹10 lakh cover at ₹499) or Plan B (₹5 lakh cover at ₹289).
Step 5: Attach photocopies of required documents (Aadhaar, e-Shram card, age proof, bank details, nominee documents).
Step 6: Pay the premium amount in cash or through digital payment at the post office.
Step 7: Receive the Certificate of Insurance and premium receipt.
Step 8: The coverage starts 15 days after premium receipt to prevent fraud, and remains active for 365 days from that date.

Important Dates of Antyodaya Shramik Suraksha Yojana

The Antyodaya Shramik Suraksha Yojana operates on a rolling basis throughout the year. Here are the key dates and timelines:

Event	Details
Scheme Launch Date	8th July 2023
Pilot Phase	July 2023 – Gujarat (Nadiad, Kheda, Vadodara, Ahmedabad, Rajkot)
Pan-India Rollout	Ongoing expansion across all states
Enrollment Open	Throughout the year (No fixed window)
Premium Payment	One-time annual payment at enrollment
Risk Commencement	15 days after premium receipt
Coverage Period	365 days from risk commencement date
Policy Renewal	Can be renewed annually before expiry
Claim Intimation Deadline	Within 15 days of the accident event
Claim Settlement Timeline	Within 30 days of receiving last necessary document
Investigation Cases	Within 45 days if investigation is required

Note: Since enrollment is open throughout the year, workers can apply at any time. However, it is advisable to enroll early as coverage only begins 15 days after premium payment.

Documents Required to Apply for Antyodaya Shramik Suraksha Yojana

Applicants must keep the following documents ready when applying for the Antyodaya Shramik Suraksha Yojana:

Aadhaar Card – Mandatory identity proof of the applicant.
e-Shram Card – Proof of registration on the e-Shram portal (mandatory).
Age Proof – Birth certificate, school leaving certificate, or Aadhaar (to verify 18-65 years age range).
Passport Size Photograph – Recent photograph of the applicant.
Bank Account Details – For claim disbursement (Aadhaar-linked account preferred).
PAN Card – Required for claim processing and tax purposes.
Nominee Details – Name, relationship, Aadhaar, and contact details of the nominee.
Nominee’s Aadhaar Card – For verification of the beneficiary.
Address Proof – If different from Aadhaar address.
Mobile Number – Active mobile number for OTP verification and communication.
Premium Payment – Cash or digital payment receipt.

Status Check of Antyodaya Shramik Suraksha Yojana

Since the Antyodaya Shramik Suraksha Yojana is primarily an offline enrollment scheme, status checking is done through the following methods:

How to Check Policy Status:

Step 1: Visit the same Post Office where you enrolled for the scheme.
Step 2: Show your Certificate of Insurance or premium receipt to the post office staff.
Step 3: The staff will check the policy status in the IPPB system and inform you.
Step 4: You can also contact your Postman or Gramin Dak Sevak who helped with enrollment.
Step 5: For claim status, call the insurance partner’s toll-free number mentioned on your Certificate of Insurance.

How to Check Claim Status:

Step 1: Contact the insurance company that issued your policy (New India Assurance, Bajaj Allianz, TATA AIG, Niva Bupa, Aditya Birla, or Star Health).
Step 2: Use their toll-free helpline or visit their website.
Step 3: Provide your policy number, Certificate of Insurance number, and claim reference number.
Step 4: The insurance company will update you on the claim status.

IPPB Helpline:

Call 155299 for general queries about the scheme.
Visit your nearest post office for in-person assistance.

Application Fee and Scheme Fee

The Antyodaya Shramik Suraksha Yojana requires payment of an annual premium which is very affordable for unorganized workers. Here are the details:

Plan A Premium: ₹499 per year (including GST) for ₹10 lakh sum insured.
Premium excluding GST: ₹423
Plan B Premium: ₹289 per year (including GST) for ₹5 lakh sum insured.
Premium excluding GST: ₹245
No Additional Application Fee: There is no separate enrollment or processing fee.
No Agent Commission: The scheme is sold directly through post offices without middlemen, keeping costs low.
One-Time Annual Payment: The premium is paid once at the time of enrollment for full-year coverage.
Renewal Premium: Same amount applies for annual renewal.

Important Note: The premium must be paid in full at the time of enrollment. Partial payments or installments are not accepted. Coverage begins only after 15 days from premium receipt.

Latest Updates of Antyodaya Shramik Suraksha Yojana

Here are the most recent updates regarding the Antyodaya Shramik Suraksha Yojana for 2026:

6,97,531 Policies Issued (as of May 2025): Since its launch in July 2023, the scheme has issued nearly 7 lakh policies to unorganized workers across India.
₹5.41 Crore Claim Amount Disbursed: A total of 355 claims have been settled with ₹5,41,17,754 paid out to beneficiaries or their families as of Labour Day 2025.
Pan-India Expansion: After the successful pilot in Gujarat, the scheme is being rolled out across all states to cover the target of 28 crore+ Shramiks.
Six Insurance Partners: The scheme is issued through six reputed insurance partners – New India Assurance, Bajaj Allianz General Insurance, TATA AIG General Insurance, Niva Bupa Health Insurance, Aditya Birla Health Insurance, and Star Health.
Labour Day 2025 Commitment: On 1st May 2025, IPPB MD & CEO Mr. R. Viswesvaran reiterated the bank’s commitment to labour welfare through this scheme, emphasizing its role in improving the quality of life for Shramiks.
Post Office Network Leverage: The scheme utilizes India’s 1,65,000 post offices (including 1,40,000 in rural areas) and 3,00,000 postal employees to reach the last mile, making it one of the most accessible insurance products in the country.
Digital Integration: IPPB continues to work on enhancing digital access to the scheme through its banking platform while maintaining the offline post office enrollment option.

Selection Process of Antyodaya Shramik Suraksha Yojana

The Antyodaya Shramik Suraksha Yojana does not have a competitive selection process. Enrollment is open to all eligible unorganized workers on a first-come, first-served basis:

Eligibility Verification: The post office staff verifies your e-Shram registration and age proof at the time of enrollment.
Document Check: Basic documents are checked for completeness and authenticity.
Premium Payment: Once documents are verified, the premium is collected.
Policy Issuance: The Certificate of Insurance is issued immediately or within a few days.
Risk Commencement: Coverage begins 15 days after premium receipt.
No Medical Test: There is no medical examination required for enrollment.
No Income Verification: There is no income ceiling or means test.

Common Mistakes While Applying

Applicants often make these mistakes which can delay or create issues:

Not registering on the e-Shram portal before applying for the insurance.
Providing incorrect age details – must be between 18 and 65 years.
Not updating nominee details properly in the proposal form.
Paying premium without receiving the official receipt – always demand a receipt.
Not keeping a copy of the Certificate of Insurance – this is essential for claims.
Delaying claim intimation – must inform the insurer within 15 days of the accident.
Not submitting complete claim documents – leads to claim rejection or delay.
Providing incorrect bank account details – claim amount cannot be transferred.
Expecting immediate coverage – remember the 15-day waiting period after premium payment.
Not renewing the policy on time – coverage lapses if not renewed before expiry.

Reasons for Application Rejection

Your application for the Antyodaya Shramik Suraksha Yojana may get rejected due to the following reasons:

Age below 18 or above 65 years at the time of enrollment.
Not registered on the e-Shram portal – this is mandatory.
Pre-existing accidental injury or disability at the time of enrollment.
Incorrect or fraudulent documents submitted with the proposal.
Already covered under the same plan for the same policy period.
Premium not paid in full – partial payments are not accepted.
Incomplete proposal form with missing mandatory fields.
Invalid nominee details or nominee not properly identified.

Portal of Antyodaya Shramik Suraksha Yojana – How to Register and Login

The Antyodaya Shramik Suraksha Yojana does not have a separate dedicated online enrollment portal for citizens. However, information and resources are available through the following:

IPPB Official Website:

Step 1: Visit ippbonline.bank.in.
Step 2: Navigate to the “Products” or “Schemes” section.
Step 3: Find “Antyodaya Shramik Suraksha Yojana” for detailed plan information.
Step 4: Download the policy brochure, terms and conditions, and claim forms.
Step 5: Find your nearest post office using the locator tool.

e-Shram Portal (Prerequisite):

Visit eshram.gov.in to register as an unorganized worker.
This registration is mandatory before applying for ASSY.

Reset and Forget Password for the Portal

Since the Antyodaya Shramik Suraksha Yojana does not have a dedicated citizen login portal for policy management, password reset is not applicable for beneficiaries. However, for related portals:

e-Shram Portal Password Reset:

Step 1: Visit eshram.gov.in.
Step 2: Click on “Forgot Password” or “Reset Password.”
Step 3: Enter your registered mobile number or e-Shram card number.
Step 4: An OTP will be sent to your registered mobile number.
Step 5: Enter the OTP and set a new password.
Step 6: Login with the new password.

Grievance Redressal Process

If you face any issue related to the Antyodaya Shramik Suraksha Yojana, you can file a grievance through the following channels:

Post Office Level: First, contact the post office where you enrolled. Most queries are resolved at this level.
IPPB Helpline: Call 155299 for scheme-related queries and grievances.
Insurance Partner: For claim-related issues, contact the specific insurance company that issued your policy:
Bajaj Allianz: 1800-209-5858 (Service Toll-Free)
TATA AIG: Contact through their official website
Star Health: 044-28288800 / support@starhealth.in
New India Assurance: Contact through their official channels
Niva Bupa: Contact through their official channels
Aditya Birla Health Insurance: Contact through their official channels
Grievance Redressal Officer: Each insurance partner has a designated Grievance Redressal Officer. Contact details are available in the policy wordings.
Insurance Ombudsman: If your grievance remains unresolved after approaching the insurance company, you can approach the Insurance Ombudsman. Details are available at cioins.co.in/ombudsman.html.
IRDAI: For unresolved complaints, you can approach the Insurance Regulatory and Development Authority of India.

When filing a grievance, always mention your policy number, Certificate of Insurance number, Aadhaar details, and contact information.

Renewal Process

The Antyodaya Shramik Suraksha Yojana requires annual renewal to maintain continuous coverage. Here is the renewal process:

Renewal Timing: Renew your policy before the expiry date to avoid a coverage gap.
Same Premium: The renewal premium remains the same – ₹499 for Plan A and ₹289 for Plan B.
Visit Post Office: Go to the same post office or any post office to renew your policy.
Submit Renewal Form: Fill in the renewal proposal form with updated details.
Pay Premium: Pay the annual premium and collect the new Certificate of Insurance.
No Medical Test: No fresh medical examination is required for renewal.
Continuous Coverage: Renewing on time ensures uninterrupted protection for you and your family.

Note: If the policy lapses due to non-renewal, you will need to enroll afresh and the 15-day waiting period will apply again.

Important Links and PDFs of Antyodaya Shramik Suraksha Yojana

Resource	Link
IPPB Official Website	ippbonline.bank.in
ASSY Scheme Page (English)	ippbonline.bank.in/web/ippb/antyodaya-shramik-suraksha-yojana1
ASSY Brochure PDF	ippbonline.bank.in/documents/31498/0/ASSY_English.pdf
e-Shram Portal	eshram.gov.in
PIB Press Release (May 2025)	pib.gov.in/PressReleasePage.aspx?PRID=2125918
Bajaj Allianz Policy Wordings	bajajgeneralinsurance.com
Star Health Policy Wordings	starhealth.in
TATA AIG Policy Details	tataaig.com
Insurance Ombudsman	cioins.co.in/ombudsman.html

Contact and Information of Antyodaya Shramik Suraksha Yojana

For any queries or complaints related to the Antyodaya Shramik Suraksha Yojana, you can contact the following:

IPPB Contact:

Helpline: 155299
Website: ippbonline.bank.in
Address: India Post Payments Bank, 2nd Floor, Speed Post Centre, Bhai Veer Singh Marg, Gole Market, New Delhi – 110001

General Advice:

Visit your nearest post office for enrollment and basic queries.
Keep your Certificate of Insurance and premium receipt safe.
For claim-related queries, contact the insurance company mentioned on your certificate.
Never share your OTP or policy details with unknown callers.

Frequently Asked Questions (FAQs)

Q1. What is Antyodaya Shramik Suraksha Yojana?

Ans. It is an affordable accidental insurance scheme launched by India Post Payments Bank (IPPB) in 2023 for unorganized sector workers registered on the e-Shram portal. It provides ₹5 lakh or ₹10 lakh coverage at just ₹289 or ₹499 per year.

Q2. Who is eligible for Antyodaya Shramik Suraksha Yojana?

Ans. Any unorganized sector worker aged between 18 and 65 years who is registered on the e-Shram portal can enroll. There is no income or caste restriction.

Q3. How much premium do I need to pay?

Ans. Plan A (₹10 lakh cover) costs ₹499 per year including GST. Plan B (₹5 lakh cover) costs ₹289 per year including GST.

Q4. How can I apply for Antyodaya Shramik Suraksha Yojana?

Ans. Visit your nearest post office or contact your Postman / Gramin Dak Sevak. Fill the proposal form, submit documents, pay the premium, and receive your Certificate of Insurance.

Q5. What documents are required for enrollment?

Ans. Aadhaar card, e-Shram card, age proof, passport-size photo, bank details, PAN card, nominee details, and mobile number.

Q6. When does the coverage start after enrollment?

Ans. Coverage begins 15 days after the premium receipt to prevent fraud, and remains active for 365 days from that date.

Q7. How do I file a claim under this scheme?

Ans. Intimate the insurance company within 15 days of the accident. Submit the completed claim form with documents like FIR, death certificate, hospital records, disability certificate, etc. Claims are settled within 30-45 days.

Q8. Can I renew my policy?

Ans. Yes, the policy can be renewed annually by visiting the post office and paying the same premium before the expiry date.

Q9. Is there any waiting period for claims?

Ans. Yes, there is a 15-day waiting period from the date of premium payment. No claims are accepted during this period.

Q10. What should I do if my claim is rejected?

Ans. First, understand the reason for rejection from the insurance company. If you disagree, approach the Grievance Redressal Officer of the insurance company. If still unresolved, contact the Insurance Ombudsman or IRDAI.