The Andhra Pradesh Government Life Insurance (APGLI) scheme is a life insurance program for government employees in the state of Andhra Pradesh, India. One aspect of this program is the premium deduction from the date of payment of the first month’s employee salary.
Under the APGLI scheme, the premium for the insurance coverage is deducted from the employee’s salary on a monthly basis. The premium amount is based on the employee’s salary and the coverage amount chosen by the employee.
The date of payment of the first month’s employee salary is the date on which the premium deduction for the APGLI coverage begins. This means that the premium for the coverage will be deducted from the employee’s salary starting from the first salary payment, and will continue to be deducted on a monthly basis until the coverage ends.
It is important to note that the premium amount for the APGLI coverage may change over time, and the employee may have the option to adjust the coverage amount or make changes to the policy. In such cases, the premium deduction will be adjusted accordingly.
Overall, the APGLI premium deduction from the date of payment of the first month’s employee salary is a convenient and efficient way for government employees in Andhra Pradesh to obtain life insurance coverage and ensure that their families are protected in case of any unfortunate event.
| Name of the details | APGLI |
| AP Govt Order No. | G.O.Ms.No.199 |
| AP GO issued date | Dated: 30 -07-2013 |
| Subject | APGLI has given Instructions to all DDOs on commencement of the premium deduction from the date of payment of the first-month salary |
| Department | AP Finance Department |
| Title | APGLI Premium Deduction from the date of payment of the first-month salary |
| APGLI Premium | DDO is solely responsible for the recovery of 1st premium |
APGLI Premium Deduction?
The Andhra Pradesh Government Life Insurance (APGLI) scheme is a valuable benefit for government employees in the state of Andhra Pradesh, India. This scheme provides life insurance coverage to eligible employees, and the premium for the coverage is deducted from the employee’s salary on a monthly basis. In this post, we will take a closer look at the APGLI premium deduction process and how it works.
When an employee becomes eligible for the APGLI scheme, they will have the option to choose the coverage amount that best suits their needs. The premium for the coverage is calculated based on the employee’s salary and the chosen coverage amount. Once the employee has selected their coverage amount, the premium deduction will begin with the next salary payment.
The premium deduction is a convenient way for employees to obtain life insurance coverage without having to worry about making separate payments. The premium is automatically deducted from the employee’s salary each month, and the employee can rest assured that their coverage is up to date and active.
It is important to note that the premium amount for the APGLI coverage may change over time, depending on various factors such as the employee’s salary, inflation, and the coverage amount chosen.
In such cases, the premium deduction will be adjusted accordingly. Employees will be informed about the changes in advance and given the opportunity to make any necessary adjustments to their coverage.
For employees who leave the government service, APGLI policy can be continued by paying the premium by self or through the employer as long as the policy is in force.
In summary, the APGLI premium deduction process is a convenient and efficient way for government employees in Andhra Pradesh to obtain life insurance coverage and ensure that their families are protected in case of any unfortunate event.
The scheme provides a valuable benefit for employees and takes care of the premium payments so that employees can focus on their work and personal lives without any additional financial burden.
APGLI Premium Deduction 2023 from employee’s first month salary
AP GO.199 released for APGLI premium deduction from the date of payment of first-month salary (మొదటి నెల జీతం చెల్లించిన తేదీ నుండి APGLI ప్రీమియం మినహాయింపు). Govt of AP, Andhra Pradesh Government Life Insurance Department issued Govt Order No.199 on 30-07-2013 for Commencement of the premium deduction from the date of payment of first-month salary and detailed instructions have been issued to all Drawing & Disbursing officers on this regarding. For more details are avaialble at http://www.apgli.ap.gov.in.
References for above Govt Orders:
1.G.O.Ms.No. 368 Finance & Planning (FW.Admn.II) Department, Dated: 15-11-1994.
2.G.O.Ms.No. 231 Finance (Admn.II) Department, dated: 28-06-2010.
3.G.O.Rt.No.83 Finance (Admn.II) Department, dated 07-01-2013.
4.Committee Report on simplification of procedures in the Directorate of Insurance, A.P., Hyderabad, dated: 27-02-2013.
5.Director of Insurance, Hyderabad letter No. 1/General/2012-2013, Dated: 21-03-2013.
AP GO.No.199 Details: As per the AP G.O.Ms.No. 368, Dated:15-11-1994, AP Government have introduced the slab rates of compulsory premium towards APGLI Scheme for the State Government Employees.
AP Govt have issued ‘AP GO Ms No.231, Dated: 28-06-2010’ orders for enhancement of compulsory A.P.G.L.I premium slab rates as per the Revised Pay Scales, 2010 (AP PRC 2010).
As per the AP Govt Orders G.O.Rt.No.83, Dated 07-01-2013, the Government have constituted a Committee to study the possibilities of simplification of procedures and efficient functioning of the Department to render quick service to the Policy holders.
The Committee has submitted a report to the Government, wherein it was recommended that “ under the present system, deduction from monthly salary starts from the date of second year. Government may consider covering the employees under the A.P. Government Life Insurance Scheme from the date of payment of his / her first monthly salary”.
The Director of Insurance has stated that as per the APGLI Fund Rule, an employee who is appointed under 10(a)(i)(1) of the General Rules for the State and Subordinate Services is eligible to get insured with Directorate of Insurance on completion of one year service.
This condition might have been relevant in the olden days where there were temporary appointments. Presently, almost all the appointments are made on regular basis mainly through A.P.P.S.C./D.S.C./Police recruitment board,
Hence, the existing condition of one year service for recovery of A.P.G.L.I. premium may not be applicable. Also, the condition of completion of one year service is denying the newly recruited employees from getting the benefit of risk coverage.
Further, the Director of Insurance has requested the Government to kindly issue necessary orders for effecting the A.P.G.L.I. premium recovery in the first month salary of the employee soon after he/she joins the Government service without the condition of (1) year service completion.
APGLI Premium Deduction from the date of payment of first month salary:
Ceiling limit on the maximum premium payable to APGLI fund up to 20%. Government after careful examination of the recommendations of the Committee and as per the request of the Director of Insurance, Government hereby permitted to recover the compulsory premium amount which was prescribed in the Government orders from time to time to be deducted from the date of payment of first month salary soon after he /she joins the Government service on regular basis without waiting for completion of one year service.
The Drawing and Disbursing Officers concerned are therefore requested to recover the compulsory premium of A.P.G.L.I. amount which was prescribed in the Government orders from time to time to deduct the compulsory premium from the date of payment of first salary soon after he/she joins the Government service without waiting for completion of one year service, who are in the insurable age of 21-55 years.
The Drawing and Disbursing officer is solely responsible for recovery of 1st premium and submission of prescribed form immediately to concerned District Insurance Officer after recovery of 1st premium, to enable the concerned District Insurance Officer, to issue policy within one month.
Necessary amendments to the A.P.G.L.I. Fund Rules will be issued separately. This order came into force with effect from the date of issue of the order and earlier settled cases need not be reopened. To Download the GO.199 – The premium deduction from the date of payment of 1st month salary. AP GO.199 Download From Here.