Rs 5 Lakh Insurance Cover To Farmers
Telangana offers a Rs 5 lakh insurance cover for farmers aged 18 to 60, funded by the state government.
Key facts
| Cover | ₹5,00,000 life insurance, paid to the nominee on the farmer’s death |
|---|---|
| Premium | None — fully paid by the Telangana government |
| Who | Enrolled farmers resident in Telangana (Rythu Bima enrolment age 18–59) |
| Cause of death | Any cause — natural or accidental |
| Paid via | LIC, to the registered nominee (reported within about 10 days) |
| Scheme name | Rythu Bima (Farmers’ Group Life Insurance) |
| Application window | Enrolled farmers are covered continuously; the nominee claims after the farmer’s death. Keep the nominee and bank details correct and up to date. |
Benefits
Eligible farmers receive a one-time insurance coverage of Rs 5 lakh, which is paid to their nominee in the event of their death. The premium is fully covered by the state government.
Full guide
What Rythu Bima gives you
Rythu Bima is Telangana’s life-insurance scheme for farmers, and its most valuable feature is simplicity: if an enrolled farmer dies — from any cause, natural or accidental — the government pays ₹5,00,000 to the farmer’s nominee. The premium is met entirely by the state, so the farmer pays nothing. It is designed to give a farming family immediate financial security if they lose their main earner, and the amount is reported to reach the nominee within about ten days.
Who is covered
The cover is for farmers of Telangana enrolled under the scheme, with an enrolment age of 18 to 59. Because the state pays the premium and the payout goes to a nominee, the single most important thing to get right is the nominee: make sure the correct nominee and bank details are recorded while the farmer is alive and enrolled.
How the claim works
There is nothing to pay or renew as a farmer — enrolled farmers stay covered. When a covered farmer dies, the nominee starts the claim by approaching LIC or the local agriculture office with the death certificate and the farmer’s and nominee’s identity and address proofs. The ₹5 lakh is then paid into the nominee’s account.
Documents the nominee needs
- The farmer’s death certificate
- The nominee’s identity and address proof (Aadhaar, ration card or voter ID)
- The farmer’s enrolment / Rythu Bima details
- The nominee’s bank account details
Who can apply
- Age 18–60
- For: farmer
- Resident of Telangana
- not income tax payer
- no government employee in family
Farmers residing in Telangana, aged between 18 and 60 years, can apply for this insurance scheme. Applicants must not be income tax payers and should not have any government employees in their family.
Who is not eligible
- Farmers who are not residents of Telangana / not enrolled under the scheme
- Those outside the enrolment age band (18–59)
- (There is no premium for the farmer — the state pays it)
How to apply
Farmers can apply for the insurance by visiting the local LIC office after a qualifying event.
- Visit the nearest LIC office after the death of the farmer.
- Provide the legal death certificate of the deceased.
- Submit valid identity proof such as Aadhar card, ration card, or voter ID.
- Present address proof and domicile certificate.
- Include any necessary medical reports.
Documents required
- Valid Identity proof like Aadhar card
- Ration card
- Voter ID card
- Address proof
- Medical reports
- Domicile certificate
Common problems and how to fix them
| Problem | What to do |
|---|---|
| Nominee details not updated | The ₹5 lakh is paid to the registered nominee, so make sure the nominee is correctly recorded while the farmer is enrolled. |
| How the nominee claims | After the farmer’s death, the nominee approaches LIC / the local agriculture office with the death certificate and identity and address proofs to start the claim. |
| Does it cover natural death? | Yes — Rythu Bima covers death from any cause, natural or accidental, unlike an accident-only policy. |
| Age at enrolment | Enrolment is for farmers aged 18–59; a farmer who crosses the upper age generally exits the cover. |
Frequently asked questions
Who is eligible for this scheme?
All farmers in Telangana aged between 18 and 60 years are eligible to apply.
What is the insurance coverage amount?
The insurance coverage amount is Rs 5 lakh, payable to the nominee upon the farmer's death.
Do farmers need to pay a premium for this insurance?
No, farmers do not need to pay any premium; the state government covers the cost.
How quickly can the nominee receive the insurance amount?
The nominee can receive the insurance amount within 10 days of the farmer's death.
What documents are required to claim the insurance?
Required documents include a legal death certificate, valid identity proof, address proof, domicile certificate, and medical reports.
How much is the cover?
₹5,00,000, paid to the farmer’s nominee on the farmer’s death.
Is there a premium to pay?
No — the premium is fully paid by the Telangana government.
Who is covered?
Enrolled Telangana farmers, with an enrolment age of 18–59.
Which deaths are covered?
Death from any cause — natural or accidental.
How quickly is it paid?
It is reported to reach the nominee within about 10 days of the claim.
Always confirm the latest details on the official portal before applying.
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