How to Claim Accident Insurance 2 Lakh with e Shram Card

The government created the e-Shram portal to help workers in the unorganized sector. When you register for this card, you automatically get insurance for one year. This insurance covers you in case of a serious accident while you are working or traveling. Check E Shram Card benefits after death.

Complete Process to Claim e-Shram Accident Insurance

If you need to file a claim, follow these steps carefully.

Step 1: Inform the Bank

The e-Shram insurance is linked to the bank account you gave during registration. Go to that specific bank branch and inform them about the accident.

Step 2: Fill out the Claim Form

Ask the bank manager for the Pradhan Mantri Suraksha Bima Yojana (PMSBY) claim form. You can also download this form from the official e-Shram or Jan Suraksha websites.

Step 3: Attach the Documents

Attach all the documents mentioned above (FIR, Death/Disability certificate, and ID proofs) to the completed form.

Step 4: Verification

The bank will check your details and send the file to the insurance company. They will verify if the e-Shram card was active at the time of the accident.

Step 5: Receive the Payment

Once the insurance company approves the claim, the money is sent directly to the bank account of the worker (for disability) or the nominee (for death) through Direct Benefit Transfer (DBT).

Types of Insurance Coverage

There are two main ways this insurance pays out:

1. Accidental Death: If a worker dies in an accident, their family (nominee) receives ₹2 Lakh.
2. Permanent Disability: If a worker loses both hands, both eyes, or both feet in an accident, they receive ₹2 Lakh.
3. Partial Disability: If a worker loses one leg, one hand, or one eye, they receive ₹1 Lakh.

Eligibility Criteria for the Claim

Before you start the process, make sure you meet these requirements:

• You must have a valid e-Shram Card with a UAN number.
• The worker must be between 18 and 70 years old.
• The accident must be reported to the police (an FIR is usually required).
• The claim must be filed within the allowed time limit (usually within 30 to 90 days of the accident).

Required Documents to Claim ₹2 Lakh

To make the process fast, you should have these documents ready:

• e-Shram Card Copy: A copy of the worker’s digital ID card.
• Aadhaar Card: To verify the identity of the worker or the nominee.
• Death Certificate: Needed only in cases of accidental death.
• Disability Certificate: A document from a government doctor proving the physical loss.
• FIR Copy: The First Information Report from the local police station regarding the accident.
• Bank Account Details: A cancelled check or passbook copy where the money will be sent.
• Nominee Details: ID proof of the person named on the e-Shram card.

Important Tips for e-Shram Card Holders

• Keep your Nominee Updated: Make sure the person you want to receive the money is correctly named on your card.
• Link your Mobile Number: Ensure your Aadhaar is linked to your phone so you get SMS updates about your card and insurance.
• Check your Bank Account: Sometimes, a very small yearly fee is deducted from your account to keep the insurance active after the first free year. Keep a small balance in your account for this.

Conclusion

The e-Shram card is more than just an ID card; it is a safety net for your family. While we hope you never have an accident, knowing how to claim the ₹2 Lakh insurance is very important. If you face any trouble, you can call the e-Shram toll-free helpline at 14434 for help in your own language.