Complete Guide to E Shram Card Insurance Claim: Eligibility, Documents, and Process

Are you an unorganized worker in India? If yes, then you may have heard about the E Shram card insurance claim. The E Shram card provides accidental death insurance cover of up to 2 lakhs to the registered workers. In this article, we will provide you with a complete guide to E Shram card insurance claim, including eligibility, documents, and the claim process.

Eligibility for E Shram Card Insurance Claim

To be eligible for the E Shram card insurance claim, the worker must be registered under the E Shram scheme. The registration process involves providing personal details, such as name, age, gender, and occupation. Once registered, the worker is issued an E Shram card, which serves as proof of their registration under the scheme. The nominee or legal heir of the deceased worker can file the claim.

The insurance cover is only applicable in case of an accidental death. Accidental death refers to any death that occurs due to external and unforeseeable events. It can include death due to a natural disaster, accident, or crime. It is important to note that death due to suicide or natural causes is not covered under the E Shram card insurance.

Documents Required for E Shram Card Insurance Claim

The following documents are required to file an E Shram card insurance claim:

Death certificate of the deceased worker

The death certificate is an official document that provides details about the cause, time, and place of death. It is issued by the local government authority or hospital where the death occurred.

Police report or FIR copy (if applicable)

If the accidental death occurred due to a crime, it is necessary to provide a copy of the First Information Report (FIR) or police report. The FIR is a document that is filed with the police to report a crime. It contains details about the crime, the victim, and the accused.

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Post-mortem report (if applicable)

If the accidental death occurred due to an accident or natural disaster, it is necessary to provide a post-mortem report. The post-mortem report is an official document that provides details about the cause of death. It is issued by a medical professional who performs the post-mortem examination.

Nominee/legal heir’s identity proof

The nominee or legal heir who is filing the claim must provide their identity proof. It can include a copy of their Aadhaar card, voter ID card, or passport.

Nominee/legal heir’s bank account details

The insurance amount of 2 lakhs is disbursed directly to the nominee/legal heir’s bank account. Therefore, it is necessary to provide the bank account details, including the account number, IFSC code, and branch name.

The claim process for the E Shram card insurance claim is simple and easy to follow. Here are the steps involved:

Download the claim form from the E Shram portal.

The claim form can be downloaded from the E Shram portal, which is available at https://eshram.gov.in/.

Fill in the required details in the claim form.

The claim form requires the nominee/legal heir to provide details about the deceased worker, the cause of death, and their own personal details.

Attach the necessary documents to the claim form.

The nominee/legal heir must attach the required documents, including the death certificate, police report/FIR copy, post-mortem report (if applicable), identity proof, and bank account details.

Submit the claim form and documents to the E Shram office.

The completed claim form and documents must be submitted

Renewal of E Shram Card Insurance Cover

The accidental death insurance cover provided by the E Shram card is renewable on an annual basis. The registered worker needs to renew their E Shram card to continue receiving the benefits.

Conclusion

The E Shram card insurance claim is a valuable benefit provided to unorganized workers in India. In case of an accidental death, the insurance cover of up to 2 lakhs can provide financial support to the nominee/legal heir of the deceased worker. We hope that this guide has provided you with all the necessary information about the E Shram card insurance claim. If you have any queries, you can visit the E Shram portal for further information.

Here are some frequently asked questions (FAQs) about the E Shram Card Insurance Claim