Chandranna Bima in AP is the insurance scheme for unorganised sector workers in Andhra Pradesh, giving a family up to Rs 5 lakh if the worker dies in an accident or suffers total disability. The premium is paid by the government, so the worker does not pay anything for the cover.

What Is Chandranna Bima?

Chandranna Bima is Andhra Pradesh’s insurance scheme for workers in the unorganised sector — agricultural labourers, construction workers, street vendors, domestic workers, auto drivers, fishermen, weavers and others who have no employer-provided insurance, provident fund or pension. The scheme was launched in 2016 and is implemented by the Labour Department. It is linked to the central Jan Suraksha schemes, the Pradhan Mantri Suraksha Bima Yojana and the Pradhan Mantri Jeevan Jyoti Bima Yojana, and the state government pays the premium on behalf of the worker and tops up the central cover.

For a family that depends on daily wages, the death or disability of the earning member is a financial disaster. Chandranna Bima is meant to prevent that: the insurance amount goes to the nominee, and the children’s scholarship keeps the children in school. Enrolment is free for the worker, and the cover continues as long as the worker remains in the unorganised sector and the enrolment is renewed.

Benefits of Chandranna Bima

The benefits paid under Chandranna Bima in AP are:

• Accidental death: Rs 5 lakh to the nominee.
• Total disability due to accident: Rs 5 lakh to the worker.
• Partial disability due to accident: Rs 3,62,500 to the worker.
• Natural death: Rs 2 lakh to the nominee.
• Children’s scholarship: Rs 1,200 a year for up to two children of the worker, for children studying in class 9, class 10, Intermediate or ITI.

The accidental death and disability amounts combine the central Jan Suraksha cover with the state’s top-up. The natural death benefit of Rs 2 lakh comes through the life insurance part of the scheme. The scholarship is paid directly for the children’s education and is separate from the insurance amount. Families who receive the insurance should also check the NTR Bharosa pension scheme, which supports widows, the elderly and the disabled with a monthly pension.

Who Is Eligible for Chandranna Bima?

To enrol in Chandranna Bima in AP, the worker must meet these conditions:

• Unorganised worker: the worker must work in the unorganised sector — agriculture, construction, transport, vending, domestic work, fishing, weaving or similar work — and must not be covered by EPF, ESI or an employer group insurance.
• Age: the worker must be between 18 and 70 years old.
• Residence: the worker must be a resident of Andhra Pradesh.
• Aadhaar: the worker must have an Aadhaar number, which is linked to the enrolment.
• Bank account: the worker must have a bank account for the scholarship and claim payments.

Auto drivers, who are among the largest groups of unorganised workers, are also covered by the separate Auto Driver Sevalo scheme, which pays Rs 15,000 a year. Fishermen have the separate Matsyakarula Sevalo fishing ban relief of Rs 20,000. A worker can be enrolled in Chandranna Bima and also receive the benefit of the scheme meant for their own occupation.

Documents Required for Chandranna Bima

Keep these ready for enrolment:

• Aadhaar card of the worker.
• Bank account details — account number and IFSC, with the account linked to Aadhaar.
• Proof of occupation — a certificate or declaration that the worker is in the unorganised sector, if asked for.
• Nominee details — the name, Aadhaar and relationship of the person who will receive the amount.
• Children’s details — for the scholarship, the children’s Aadhaar and school or college bonafide certificate.

For a claim after a death or accident, the family will need the death certificate, the FIR and post-mortem report for an accident, the disability certificate for a disability claim, and the bank account details of the nominee. Keep the enrolment acknowledgement safe, because it carries the policy details.

How to Enrol in Chandranna Bima

Enrolment in Chandranna Bima is done through the Labour Department and the Village or Ward Secretariat:

1. Visit the nearest MeeSeva centre, Village or Ward Secretariat, or the district Labour Department office.
2. Give your Aadhaar number and bank account details and state your occupation.
3. Name a nominee and give the nominee’s details.
4. The official will enrol you on the portal and link your Aadhaar to the scheme.
5. Collect the enrolment acknowledgement and keep it safe.
6. Check that the premium has been paid by the government and that the cover is active.

Enrolment is free. Nobody is allowed to charge a fee for it. If anyone demands money, report it to the Village or Ward Secretariat or the district Labour Department office.

How to Claim Chandranna Bima

If the enrolled worker dies or suffers a disability, the nominee or the worker should claim the amount promptly:

1. Inform the Village or Ward Secretariat or the district Labour Department office.
2. Submit the claim form with the death certificate, or the disability certificate for a disability claim.
3. For an accidental death, attach the FIR and the post-mortem report.
4. Give the nominee’s bank account details and Aadhaar.
5. The Labour Department verifies the claim and forwards it to the insurance company.
6. The amount is credited to the nominee’s or worker’s bank account after approval.

Claims should be filed as early as possible, because the insurance company asks for documents within a fixed time. If a claim is delayed, the family can follow up at the Labour Department office and ask for the claim reference number.

Chandranna Bima and Jan Suraksha

Chandranna Bima works together with the central Jan Suraksha schemes. The Pradhan Mantri Suraksha Bima Yojana gives Rs 2 lakh for accidental death and disability, and the Pradhan Mantri Jeevan Jyoti Bima Yojana gives Rs 2 lakh for natural death. The Andhra Pradesh government pays the premium for both and adds its own top-up, which is why the accidental death and total disability benefit under Chandranna Bima reaches Rs 5 lakh. The official Jan Suraksha portal at jansuraksha.gov.in explains the central schemes, and the AP government portal at ap.gov.in links to the Labour Department and other state services.

Current Status of Chandranna Bima in 2026

Chandranna Bima continues in Andhra Pradesh, and unorganised workers can still enrol through the Labour Department, MeeSeva and the secretariats. The scheme has continued across governments because the need it serves — insurance for workers with no employer cover — has not changed. Workers who enrolled earlier should check that their enrolment is still active and that their nominee details are up to date, because a lapsed enrolment or a wrong nominee can delay a claim.

Common Problems and Solutions

Not enrolled: visit the secretariat or MeeSeva with Aadhaar and bank details and enrol; the premium is paid by the government. Nominee not updated: update the nominee at the Labour Department or secretariat so that the amount goes to the right person. Claim delayed: get the claim reference number from the Labour Department and follow up with the insurance company. Scholarship not received: confirm that the children’s school details and bank account are updated on the portal. Bank account changed: update the new account and link it to Aadhaar, otherwise the payment will fail.

Frequently Asked Questions About Chandranna Bima in AP

Does the worker pay any premium for Chandranna Bima?

No. The premium is paid by the Andhra Pradesh government on behalf of the worker. Enrolment and the cover are free for the worker.

Can a worker who already has PMSBY or PMJJBY enrol?

Yes, if the worker is in the unorganised sector. The state enrols the worker and pays the premium, and the state’s top-up increases the benefit. The worker should not pay the premium twice for the same cover.

How long does a Chandranna Bima claim take?

It depends on the documents and the insurance company’s verification. A complete claim with the death certificate, FIR and bank details is processed faster. Keep the claim reference number and follow up at the Labour Department office.

Is the children’s scholarship paid every year?

Yes. The scholarship of Rs 1,200 a year is paid for up to two children while they are studying in class 9, class 10, Intermediate or ITI, as long as the worker’s enrolment is active.

Final Word

Chandranna Bima in AP gives unorganised workers up to Rs 5 lakh of insurance cover at no cost to them, plus Rs 2 lakh for natural death and a scholarship for their children. Enrol through the secretariat or MeeSeva, name your nominee, and keep the acknowledgement safe — it is the document your family will need at the hardest time. For the wider picture of worker welfare this year, see our guide to Andhra Pradesh schemes in August 2026, and keep your income certificate in AP ready for the schemes that ask for it.

Last updated: November 2026