Central Government Labour Insurance Scheme @at just ₹110 for six years

The Labour Insurance Scheme offers comprehensive financial coverage for workers who hold a white ration card (excluding government employees), typically aged between 18 to 55 years. For a one-time payment of ₹110, beneficiaries receive insurance protection spanning six years, averaging just ₹22 per year.

Eligibility

• Open to all labourers and individuals possessing a white ration card.
   
• Government employees are excluded.
   
• Age bracket: 18 to 55 years.
   

Cost & Duration

• One-time premium: ₹110.
   
• Coverage duration: 6 years (~₹22 per year).
   

Key Benefits

Event	Benefit Amount
Natural death	₹1,30,000
Accidental death	₹6,00,000
Marriage assistance (two daughters)	₹30,000 each
Maternity benefits (two deliveries)	₹30,000 each
Disability compensation	₹2.5 lakh for 50%; ₹5 lakh for 100%

Application Process

To apply, submit the following at your local Labour Office, Gram/Ward Secretariat, or MPDO/MRO office:

• White ration card
   
• Aadhaar card photocopy
   
• Bank challan (proof of payment)
   

Additional Government Welfare Schemes

Beyond this insurance, various other Central Government schemes exist to support labourers and unorganised sector workers:

• Pradhan Mantri Suraksha Bima Yojana (PMSBY) and Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) offer affordable life and accident insurance coverage. eshram.gov.in
   
  • PMSBY: Accident and full disability cover up to ₹2 lakh, partial disability ₹1 lakh; premium around ₹20/year.
     
  • PMJJBY: ₹2 lakh life cover; premium around ₹436/year.
     
• Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) offers health insurance cover of ₹5 lakh per family per year for secondary and tertiary hospitalization. eshram.gov.inCBWE
   
• Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM) is a voluntary contributory pension scheme for unorganized sector workers to ensure post-retirement income. eshram.gov.inCBWE
   
• The e-Shram portal serves as a unified database for unorganised workers to facilitate access and convergence with various welfare schemes. Press Information Bureau
   

Official Resources

• Ministry of Labour & Employment main site: https://labour.gov.in
   
• e-Shram portal: https://register.eshram.gov.in
   
• PMJJBY / PMSBY details: via https://www.jansuraksha.gov.in/
   
• AB-PMJAY (health insurance): see https://eshram.gov.in or state-level portals for enrollment
   
• PM-SYM pension scheme: info on https://labour.gov.in under “PM-SYM” section
   

Conclusion

The Labour Insurance Scheme—at just ₹110 for six years—provides strong financial peace-of-mind for essential life events like accidents, death, disability, childbirth, and daughters’ marriages. Those already looking into PMJJBY, PMSBY, PM-SYM, or AB-PMJAY can consider registering via e-Shram to streamline access to multiple welfare benefits.