The Chandranna Bima Yojana is a comprehensive accident insurance scheme launched by the Government of Andhra Pradesh to provide financial security to workers in the unorganised sector. Named after former Chief Minister N. Chandrababu Naidu, the scheme was initially launched in 2016 with the aim of covering approximately 1.5 crore unorganised workers across the state .
The scheme provides insurance coverage ranging from ₹1 lakh for natural death to ₹5 lakh for accidental death or permanent disability . The primary objective is to provide relief to bereaved families of Below Poverty Line (BPL) workers in case of death or disability of the primary bread earner, mitigating the sudden financial loss of the primary source of income .
The scheme has undergone several changes over the years. During the YSR Congress government, it was renamed as YSR Bima Scheme, but after the TDP-led government assumed power in June 2024, the scheme’s name was changed back to Chandranna Bima Yojana . The government pays the entire premium, making it a zero-cost insurance policy for eligible beneficiaries .
Antyodaya Shramik Suraksha Yojana 2026: Eligibility, Apply Online, Premium, Benefits & Claim Process
Overview Table: Chandranna Bima Yojana 2026-27
| Particulars | Details |
|---|---|
| Scheme Name | Chandranna Bima Yojana |
| Launched By | Government of Andhra Pradesh |
| Nodal Department | Labour Department, Andhra Pradesh |
| Implementing Agency | SERP (Society for Elimination of Rural Poverty) / GSWS Department |
| Target Beneficiaries | Unorganised sector workers, BPL families |
| Age Limit | 18 to 70 years |
| Premium Payment | Government pays the entire premium |
| Official Website | chandrannabima.ap.gov.in |
| Toll-free Helpline | 155214 |
| Claim Settlement | Within 11-15 days of claim |
Objectives of the Scheme
The Chandranna Bima Yojana has multiple interconnected objectives aimed at protecting vulnerable workers and their families.
- Provide financial security to unorganised sector workers and their families in case of accidental death, natural death, or disability
- Offer comprehensive insurance coverage to BPL families, with the government bearing the entire premium cost
- Ensure timely settlement of insurance claims, with a target of 15 days from the date of claim
- Extend insurance coverage to all categories of unorganised workers including agricultural labourers, artisans, small self-employed people, petty traders, vendors, hamals, and shop employees
- Cover workers aged between 17 and 70, especially those who are either uninsured or grossly under-insured
- Provide cashless treatment for accident-related injuries and hospitalisation expenses
- Ensure the primary bread earner of every BPL family is covered under the scheme
- Establish a transparent and efficient claim settlement process through the online portal chandrannabima.ap.gov.in
Eligibility Criteria
The eligibility criteria for Chandranna Bima Yojana are clearly defined to ensure benefits reach the intended beneficiaries.
General Eligibility Requirements:
- The applicant must be a permanent resident of Andhra Pradesh state
- The person should be the primary bread-earning member of the family
- The person should belong to a Below Poverty Line (BPL) family
- The worker must be in the unorganised sector, including agricultural labourers, artisans, small self-employed people, petty traders, vendors, hamals, and shop employees
- Monthly wage should be ₹15,000 per month or less
- The worker should be enrolled through the Praja Sadhikaara Survey
Age Criteria:
| Type of Coverage | Age Range |
|---|---|
| Natural Death Insurance | 18 to 50 years |
| Accidental Death/Full Disability | 18 to 70 years |
Land Holding Exclusion:
According to G.O.Ms.No.54 dated 30.09.2016, persons who possess more than 5 acres of dry land or 2.5 acres of wet land do not fall into the category of unorganised labour and are not eligible for the scheme . This was confirmed in a court case where a claim was rejected because the family possessed 5.35 acres of dry land .
Exclusion Criteria:
- Government employees and their families
- Individuals with land holding exceeding the prescribed limit
- Those not enrolled through the Praja Sadhikaara Survey
- Persons already covered under other similar insurance schemes
- Those with no active bank account linked to Aadhaar
Benefits and Claim Amount
The Chandranna Bima Yojana offers comprehensive insurance coverage based on the nature of the incident and the age of the insured.
Claim Amount Structure:
| Event | Age Group | Claim Amount |
|---|---|---|
| Natural Death | 18 to 50 Years | ₹1,00,000 |
| Accidental Death | 18 to 70 Years | ₹5,00,000 |
| Full Disability (Accident) | 18 to 70 Years | ₹5,00,000 |
| Partial Disability (Accident) | 18 to 70 Years | Up to ₹3,62,500 or ₹2.5 lakhs |
Additional Benefits:
- Immediate assistance of ₹10,000 provided to families through village and ward secretariats in case of death
- Scholarship of ₹1,200 per month for children of deceased workers
- The insured person need not pay any premium; the government bears the entire cost
- Claims are settled directly into the bank account of the beneficiary within 15 days of the claim
Premium Details:
- The government pays the entire premium for the scheme
- A processing fee of ₹15 may be collected from workers in sectors like agriculture, construction, and transport
Application Process
The application process for Chandranna Bima Yojana can be completed online or through the field-level mechanism.
Online Application Process:
Step 1: Visit the Official Website
Go to the official Chandranna Bima portal at https://chandrannabima.ap.gov.in/
Step 2: Register/Login
Click on the “Login” tab and enter your username and password. If you are a new user, complete the registration process
Step 3: Download Application Form
Download the application form from the portal at https://chandrannabima.ap.gov.in/application.pdf
Step 4: Fill and Submit Application
Fill in all required details including personal information, nominee details, employment details, and bank account number. Attach all required documents
Step 5: Pay Application Fee
Pay the application fee of ₹15 or such other amount as specified by the Commissioner of Labour
Step 6: Receive Confirmation
After submission, you will receive an application reference number with registration details via email and mobile
Field-Level Enrollment:
- Village/ward volunteers visit the worker’s house to make a preliminary enquiry
- Volunteers collect the claim application with full details including nominee details and account number
- The list of enrolled insurance holders is displayed in village secretariats
Important Notes:
- The scheme is mandatory for all eligible unorganised workers
- Registration with the Labour Department is essential for eligibility
- Workers not enrolled through the Praja Sadhikaara Survey may not be covered
Documents Required
Applicants must prepare the following documents for the Chandranna Bima Yojana application:
Essential Documents:
- Aadhaar Card (mandatory for identity verification and bank linking)
- Ration Card (for BPL status verification)
- Bank Account Details (for direct benefit transfer)
- Passport-size Photograph
- Employment details and income certificate
- Address proof
Additional Documents (for Claims):
- FIR/Police Report in case of accidental death
- Post-mortem Report
- Medical Certificate (for disability claims)
- Hospital Records (for injury-related claims)
- Death Certificate (for death claims)
- Nominee Details
Document Verification Notes:
- All documents must be clear and legible
- Original documents required at the time of verification
- Documents should be in Telugu or English
Claim Process
The claim process under Chandranna Bima Yojana is streamlined for quick settlement.
Online Claim Process:
Step 1: Report the Incident
Intimate the incident to the Chandranna Bima call centre at the toll-free number 155214 within the prescribed time
Step 2: Submit Claim Application
Download the claim form from the official website, fill it, and submit along with required documents
Step 3: Preliminary Enquiry
The Praja Sadhikara volunteer visits the worker’s house to make a preliminary enquiry and collect the claim application with full details
Step 4: Document Verification
Documents are verified by the concerned authorities including the labour department
Step 5: Claim Processing
The claim is processed by the implementing agencies (SERP and insurance companies)
Step 6: Claim Disbursement
The claim amount is credited directly to the beneficiary’s bank account
Timeline:
- Immediate assistance of ₹10,000 provided through village and ward secretariats
- Claims settled within 11 to 15 days of the claim
- Maximum 60 days for policy number generation and insurance certificate issuance
Claim Rejection:
Claims can be rejected if:
- The deceased possessed more than 5 acres of dry land or 2.5 acres of wet land
- The family income exceeded the prescribed limits
- Required documents were not submitted
- The claim was not registered within the prescribed time
Status Check and Tracking
Beneficiaries can check their claim status through multiple channels.
Online Status Check:
Step 1: Visit the official website https://chandrannabima.ap.gov.in/
Step 2: Click on the “Search” tab in the main menu or directly visit https://chandrannabima.ap.gov.in/new/searchstatus.aspx
Step 3: Enter the claim code or mobile number
Step 4: View the current status of the claim
Portal Login Method:
Step 1: Visit https://chandrannabima.ap.gov.in/new/default.aspx
Step 2: Click on the “Login” tab or visit https://chandrannabima.ap.gov.in/login.aspx
Step 3: Enter username, password, and captcha
Step 4: Click “Log In” to access your dashboard
Offline Status Check:
- Visit the Labour Department office in your district
- Contact the village/ward volunteer
- Call the toll-free helpline 155214
Search Options Available:
- Search by Aadhaar Number
- Search by Name
- Search by Rice Card Number
- Search by Claim Code
- Search by Mobile Number
Helpline and Contact Details
Toll-free Helpline:
- Number: 155214
- Availability: 24/7 for grievance registration and information
State-level Contacts:
Department of Labour, Andhra Pradesh
Address: Labour Department, Government of Andhra Pradesh, Secretariat, Amaravati
Official Website: chandrannabima.ap.gov.in
Implementing Agencies:
- SERP (Society for Elimination of Rural Poverty): Nodal agency for implementation
- LIC of India: Insurance provider for the scheme
- GSWS Department: Implementing agency for the scheme
District-wise Contacts:
Contact the District Labour Officer or the District Welfare Officer in your respective district for local assistance.
Important Links and PDF Notifications
Official Websites:
Chandranna Bima Portal: https://chandrannabima.ap.gov.in/
Application Form Download: https://chandrannabima.ap.gov.in/application.pdf
Status Check Portal: https://chandrannabima.ap.gov.in/new/searchstatus.aspx
Login Portal: https://chandrannabima.ap.gov.in/login.aspx
Important Links:
- Direct Application Link: Available on the official portal
- Application Status Check: Available on the portal
- Download Forms: Available on the official website
- Grievance Registration: Through toll-free number 155214
Important Documents:
- G.O.Ms.No.54 dated 30.09.2016 (Scheme Guidelines)
- Scheme Annexure (Eligibility and Exclusions)
- Claim Form Format
- Nominee Form
Important Note:
The Chandranna Bima Yojana is implemented through a multi-agency mechanism involving the Labour Department, SERP, and LIC of India. For any queries, beneficiaries are encouraged to call the toll-free helpline 155214 or visit the official website.
Frequently Asked Questions (FAQs)
What is the Chandranna Bima Yojana?
Chandranna Bima Yojana is an accident insurance scheme launched by the Andhra Pradesh government to provide financial security to unorganised sector workers and their families in case of accidental death, natural death, or disability .
Who is eligible for the Chandranna Bima Yojana?
Unorganised sector workers aged 18-70 years who are BPL residents of Andhra Pradesh are eligible. Workers earning up to ₹15,000 per month and enrolled through the Praja Sadhikaara Survey are covered .
What is the claim amount under Chandranna Bima?
The claim amount is ₹5 lakh for accidental death/full disability, ₹1 lakh for natural death (18-50 years), and up to ₹3.62 lakh for partial disability .
How can I check my Chandranna Bima status?
You can check the status online at chandrannabima.ap.gov.in by entering your Aadhaar number, name, rice card number, or claim code .
Is there any premium to be paid by the beneficiary?
No, the government pays the entire premium. However, a processing fee of ₹15 may be collected in some sectors .
What is the age limit for the scheme?
The age limit is 18-70 years for accidental death/full disability and 18-50 years for natural death coverage .
Who are excluded from the scheme?
Farmers with more than 5 acres of dry land or 2.5 acres of wet land are excluded . Government employees and their families are also excluded.
How can I apply for the scheme?
Applications can be submitted online through the official portal or through village/ward volunteers who visit workers’ houses .
What is the helpline number for the scheme?
The toll-free helpline number is 155214 .
How long does it take to receive the claim?
The government aims to settle claims within 11-15 days of the claim being registered .