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APSEGIS Final Settlement 2026: The Directorate of Insurance, Government of Andhra Pradesh, Mangalagiri, Amaravati, has issued instructions regarding the processing of APSEGIS final claims through the NIDHI Portal under RBPS. The Circular Memo was issued on 12 August 2026.
APSEGIS – Important Details
APSEGIS is the Andhra Pradesh State Employees Group Insurance Scheme. It is a mandatory life insurance-cum-savings scheme introduced in 1984, replacing the Family Benefit Fund. The scheme is mandatory for eligible State Government employees drawing salaries from the Consolidated Fund of the State.
The latest instructions explain the procedure for processing final APSEGIS claims through the NIDHI Portal under RBPS.
APSEGIS Subscription Amount
From 1 November 1994, the subscription for each unit is ₹15. Out of this amount, ₹4.50 is allocated towards insurance and ₹10.50 towards the savings portion.
Between 1984 and 1994, the subscription was ₹10 per unit, of which ₹3.125 was for insurance and ₹6.875 was for savings.
APSEGIS Final Payment
On Retirement
On retirement or cessation of employment, the accumulated Savings Fund along with applicable interest is payable. The accumulated value of all subscribed units is taken into account.
On Death While in Service
In the event of death while in service, a lump-sum insurance payment of ₹15,000 per unit is payable along with the accumulated Savings Fund and applicable interest.
Payment When Employee's Whereabouts Are Not Known
The circular provides that the Savings Fund is refundable after the expiry of one year following the month of disappearance, while the Insurance Fund is refundable after the expiry of seven years following the month of disappearance.
The family must lodge a complaint with the concerned police station and obtain a report confirming that the employee could not be traced. An indemnity bond is also required from the nominee or dependents.
EOL Period – APSEGIS
The DDO has to identify any period of Extraordinary Leave (EOL) availed by the employee. If no subscription amount was received during that period, the applicable subscription along with interest has to be recovered from the admissible payment.
APSEGIS Group Classification
Employees are classified into four groups based on their pay scale. The mandatory subscription depends on the applicable group.
| Group | Revised Pay Scale 2022 | Mandatory Subscription |
|---|---|---|
| A | ₹54,060 – ₹1,79,000 | 8 Units – ₹120 |
| B | ₹35,570 – ₹1,37,220 | 4 Units – ₹60 |
| C | ₹25,220 – ₹1,07,210 | 2 Units – ₹30 |
| D | ₹20,000 – ₹76,730 | 1 Unit – ₹15 |
APSEGIS Entries in Service Register
The DDO must record the following APSEGIS-related particulars in the Service Register of every employee:
- Balance of FBF as on 31-10-1984, wherever applicable.
- GIS Group in which the employee was enrolled.
- Month and year of change to another group.
- Number of subscription units and month/year of commencement.
- Additional subscription of units with month and year.
- Nomination details.
- Certificate of recovery.
Checklist for APSEGIS Sanction Order
- Name and designation of the employee.
- Scale of pay.
- Date of commencement of insurance cover.
- Initial GIS group.
- Date of change to a higher group, wherever applicable.
- Date of retirement, resignation or death.
- Name of nominee/legal heirs in case of death.
- Calculation of Savings Fund and interest.
- Total amount sanctioned under Savings Fund.
- Total amount sanctioned under Insurance Fund, wherever applicable.
- Separate Head of Account details for payment.
NIDHI Portal Steps for APSEGIS Final Settlement
The circular specifies the following workflow for processing APSEGIS final settlement through the NIDHI Portal:
Step 1: Employee/family pensioner submits the APSEGIS application.
Step 2: The submitted APSEGIS application is activated in the DDO login.
Step 3: DDO validates the details and forwards the application to the APGLI Office.
Step 4: APGLI Office validates the data, sanctions the application and returns it to the DDO.
Step 5: Claim Sanction Order is generated and the auto-generated claim bill is processed for disbursement.
Important Points for Employees and DDOs
- ✔ APSEGIS is a mandatory life insurance-cum-savings scheme for eligible State Government employees.
- ✔ Final settlement is processed according to the applicable rules and accumulated subscription.
- ✔ Savings Fund and applicable interest are considered for final payment on retirement.
- ✔ Insurance benefit is applicable in cases covered under the scheme.
- ✔ DDOs must verify APSEGIS details before forwarding the claim.
- ✔ Service Register entries should be complete and accurate.
- ✔ The NIDHI Portal workflow includes verification by the DDO and APGLI Office.
APSEGIS Final Settlement 2026 – FAQs
What is APSEGIS?
APSEGIS stands for Andhra Pradesh State Employees Group Insurance Scheme. It is a life insurance-cum-savings scheme for eligible State Government employees.
What is the subscription per unit?
From 1 November 1994, the subscription is ₹15 per unit.
What happens to APSEGIS on retirement?
The accumulated Savings Fund along with applicable interest is payable on retirement or cessation of employment.
What is the insurance amount per unit in case of death while in service?
The circular specifies a lump-sum payment of ₹15,000 per unit, along with the accumulated Savings Fund and applicable interest.
How is the final APSEGIS claim processed?
The employee or family pensioner submits the application, the DDO verifies and forwards it to the APGLI Office, and after sanction the claim bill is processed for disbursement through the prescribed NIDHI Portal workflow.
Conclusion
The latest Directorate of Insurance instructions provide a clear workflow for processing APSEGIS final settlement claims through the NIDHI Portal under RBPS. Employees, family pensioners and DDOs should carefully verify the GIS group, subscription units, Service Register entries, nomination details and applicable savings and insurance amounts before final settlement.
Source: Directorate of Insurance, Government of Andhra Pradesh, Cir.Memo.No.FIN04-34/24/2026-GIS FBF-DOID, dated 12-08-2026.
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