e-Shram Accidental Death & Permanent Disability Insurance Cover
₹2 Lakh accidental death cover and ₹1 Lakh permanent partial disability cover for registered e-Shram workers available across districts in All India.
Quick Eligibility Snapshot
₹Benefits & Entitlement Breakdown
📊Budget Allocation & Beneficiary Reach
Premium fully funded under central social security funds
Official Budget Document ↗Covering all 29 Crore registered unorganized workers across India
As of: 2026-01-20PIB / Official Citation ↗Verified Eligibility Criteria
Registered e-Shram UAN cardholder who suffers accidental death or permanent disability.
Required Documents Checklist
Verify readiness before applying for e-Shram Accidental Death & Permanent Disability Insurance Cover. Check off your papers or print this list before visiting your local CSC / Cyber Cafe.
Mandatory Documents(3)
Check off as readyKeep self-attested photocopies and clear digital scans (100 KB – 200 KB, PDF/JPG format) ready to avoid portal upload timeouts.
Worried About Application Rejection for e-Shram Accidental Death & Permanent Disability Insurance Cover?
Over 30% of applications on official portals get delayed or rejected due to minor certificate authority mismatches or unseeded bank accounts. Our civic research desk compiles a verified 1-page Scheme Blueprint tailored to your state and profile.
- ✓Valid issuing authority rules (Tehsildar/SDM)
- ✓Aadhaar-DBT bank seeding verification
- ✓Direct official portal guide (no middlemen)
- ✓Email delivery in 1–2 hrs during desk hours
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Application Effort & Process Friction
Readiness assessment derived from official prerequisites, mandatory documentation, and submission channels.
Effort scores reflect portal accessibility, mandatory document burden, and physical verification requirements.
How to Apply
- 1
Register on e-Shram portal to activate automatic accidental risk cover.
- 2
In case of fatal accident, legal nominee submits claim to District Labour Officer or online.
- 3
Insurance claim of ₹2,00,000 verified and credited directly into nominee bank account.
✅Before You Begin — Pre-Application Checklist
⚠️Common Rejection Reasons — Avoid These
Natural death (non-accidental), suicide, or death resulting from intoxicated driving.
Official Government Application Portal
You will be redirected to the secure official portal: eshram.gov.in
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Get Scheme Blueprint (₹49)→Frequently Asked Questions (Officially Sourced)
Verified answers sourced directly from official circulars, gazettes, and portal FAQs. Never AI-invented.
Does the worker pay any annual premium for this accident insurance?
No, the premium is 100% borne by the Government of India.
Source: Official Scheme FAQ ↗Who is eligible to apply for e-Shram Accidental Death & Permanent Disability Insurance Cover?
Eligible applicants must satisfy official government criteria for e-Shram Accidental Death & Permanent Disability Insurance Cover. Age: min 16 max 59 years. Annual family income ceiling: ₹1,80,000. Conditions: Registered e-Shram UAN cardholder who suffers accidental death or permanent disability..
Source: Official Scheme FAQ ↗What are the key benefits provided under e-Shram Accidental Death & Permanent Disability Insurance Cover?
Under official guidelines for e-Shram Accidental Death & Permanent Disability Insurance Cover, beneficiaries are entitled to: Provides free automatic accidental insurance cover of ₹2,00,000 in case of accidental death or permanent total disability, and ₹1,00,000 for permanent partial disability (loss of one eye/limb) for all workers registered on the e-Shram portal with zero premium payable by the worker.
Source: Official Scheme FAQ ↗How do I apply for e-Shram Accidental Death & Permanent Disability Insurance Cover? What is the official process?
To apply for e-Shram Accidental Death & Permanent Disability Insurance Cover, applicants should follow the official procedure: 1. Register on e-Shram portal to activate automatic accidental risk cover. 2. In case of fatal accident, legal nominee submits claim to District Labour Officer or online. 3. Insurance claim of ₹2,00,000 verified and credited directly into nominee bank account.
Source: Official Scheme FAQ ↗Can I track my e-Shram Accidental Death & Permanent Disability Insurance Cover application status?
Application status for e-Shram Accidental Death & Permanent Disability Insurance Cover can typically be tracked through the official portal at eshram.gov.in using your Aadhaar number, application reference number, or registered mobile number. Alternatively, contact the scheme helpline or visit your nearest Common Service Centre (CSC).
What should I do if my e-Shram Accidental Death & Permanent Disability Insurance Cover payment is delayed or rejected?
First, verify your Aadhaar-bank account seeding status on the NPCI mapper (npci.org.in). If seeding is confirmed and payment is still pending, register a complaint on the Central Public Grievance Redressal System at pgportal.gov.in. You may also file an RTI application at rtionline.gov.in to obtain official rejection reasons within 30 days.
Is there an income tax implication for receiving e-Shram Accidental Death & Permanent Disability Insurance Cover benefits?
Agricultural income and certain welfare subsidies may be exempt from income tax under Section 10 of the Income Tax Act, 1961. Tax treatment varies by scheme type and beneficiary income level. Consult a certified tax practitioner or visit incometax.gov.in for scheme-specific tax guidance.
Common Rejection Reasons & Warnings
Natural death (non-accidental), suicide, or death resulting from intoxicated driving.
Editorial Verification & Change Log
| Date | Field | Description / Update | Source Citation |
|---|---|---|---|
| 2026-10-18 | scheme_type | cs | Official Source ↗ |
| 2026-10-06 | short_description | ₹2 Lakh accidental death cover and ₹1 Lakh permanent partial disability cover for registered e-Shram workers available across districts in All India. | Official Source ↗ |
| 2026-09-26 | initial_verification | Baseline verification of e-Shram Accidental Death & Permanent Disability Insurance Cover guidelines, benefits, and portal integration. | Official Source ↗ |
⚖Compare with Similar Schemes
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Application Window & Deadlines
Continuous coverage for all active e-Shram registrants
🛟Grievance & RTI Channels
Scheme Intelligence
How is this calculated? ↗Verified 24d ago from .gov.in source
Requires documentation or office visit
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📅Scheme Milestone Timeline
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Official Helpline & Nodal Offices
e-Shram Operations Centre, MoLE
Shram Shakti Bhawan, New Delhi 110001
Helpline: 011-23710240
Jurisdiction: Central (All India)Notice a Discrepancy?
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Verification Metadata
Last verified by Eligo researchers on 2026-09-26 against official government documentation.
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