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Pradhan Mantri Garib Kalyan Package : Insurance Scheme For Health Workers Fighting COVID-19
Department of Health and Family Welfare
Last updated:
Key dates and updates
Important milestones for this scheme. Use official links to verify before you apply.
| Milestone | Date |
|---|---|
| Scheme launch |
Overview
The scheme aims to provide financial protection through insurance cover of ₹50,00,000/- to healthcare workers fighting COVID-19.
Details
Description
The scheme "Pradhan Mantri Garib Kalyan Package: Insurance Scheme for Health Workers Fighting COVID-19" by the Ministry of Health and Family Welfare, Government of India, aims to provide ₹50,00,000/- insurance cover to healthcare workers through financial protection against death or disability during COVID-19 duty.
Exclusions
• <br>
Benefits
• Insurance Coverage: ₹50,00,000/- provided in case of death or permanent disability due to COVID-19.
• Risk Coverage: Covers loss of life due to COVID-19; covers accidental death during COVID-19-related duty.
Eligibility Criteria
1. - The applicant must be a healthcare worker; including doctors, nurses, paramedics, and support staff.
2. - The applicant must be directly involved in COVID-19 related duties.
3. - The applicant must be a citizen of India.
4. - The applicant must be working in a COVID-19 designated hospital or care facility.
5. - The applicant must be registered under a government health program.
6. <br>
Application Process
Step 1: Step 1: The concerned institution/department is informed about the claim.
Offline
Step 1: The concerned institution/department is informed about the claim.
Step 2: Step 2: The insurance company is intimated via email at "[email protected]".
Offline
Step 2: The insurance company is intimated via email at "[email protected]".
Step 3: Step 3: The claimant fills the claim form and attaches the required documents.
Offline
Step 3: The claimant fills the claim form and attaches the required documents.
Step 4: Step 4: The claimant submits the form to the healthcare institution/organization.
Offline
Step 4: The claimant submits the form to the healthcare institution/organization.
Step 5: Step 5: The institution verifies, certifies, and forwards the claim to the competent authority.
Offline
Step 5: The institution verifies, certifies, and forwards the claim to the competent authority.
Step 6: Step 6: The competent authority submits the claim to the insurance company for approval.
Offline
Step 6: The competent authority submits the claim to the insurance company for approval.
Required Documents
• Claim form duly filled and signed by the nominee/claimant.
• Identity proof of Deceased (Certified copy)
• Identity proof of the Claimant (Certified copy)
• Proof of relationship between the Deceased and the Claimant (Certified copy)
• Death summary by the Hospital where death occurred (in case death occurred in hospital)(Certified copy).
• Death Certificate (in Original)
• Post-mortem Report (Certified copy)
• Cancelled Cheque (desirable) (in Original)
• FIR (Certified copy)
• Certificate by the Healthcare Institution/ organization/ office that the deceased was an employee of /engaged by the institution and had an accidental loss of life on account of COVID-19 related duty.
• Claim form duly filled and signed by the nominee/claimant.
• Identity proof of Deceased (Certified copy)
• Identity proof of the Claimant (Certified copy)
• Proof of relationship between the Deceased and the Claimant (Certified copy)
• Laboratory Report certifying having tested Positive for COVID-19 (in Original or Certified copy)
• Death summary by the Hospital where death occurred (in case death occurred in hospital) (Certified copy).
• Death Certificate (in Original)
• Certificate by the Healthcare Institution/ organization/ office that the deceased was an employee of /engaged by the institution and was deployed/drafted for care and may have come in direct contact of the COVID-19 patient. For community health care workers, the Certificate should be from Medical Officer of Primary Health Centre (PHC) that ASHA/ASHA Facilitator was drafted for work related to COVID-19.
• Health care facilities of Central/State/UT Governments/ Urban Local Bodies
• Autonomous / PSU hospitals of Central/State / UT Government, AIIMSs, INIs and Hospitals of Central Ministries.
• Certificate of employment/engagement by the Head of Institution/ organization/office indicating that the Deceased was an employee of/engaged by the Institution.
• Certify and submit proof that the deceased had accidental loss of life on account of COVID-19 related duty.
• Certificate of Employment by the Director / Medical Superintendent / Head of the Institution.
• Certify and submit proof that the deceased had accidental loss of life on account of COVID-19 related duty.
• Certified copy of the document indicating that the services of the Agency were engaged by the Institution / Organization.
• Proof of engaging the services of individual by the Agency.
• Certify and submit proof that the deceased had accidental loss of life on account of COVID-19 related duty.
• Certificate of engagement as ASHA/ASHA Facilitator provided by the Medical Officer of Primary Health Centre (PHC).
• Certificate by Medical Officer of Primary Health Centre (PHC) that ASHA/ASHA Facilitator had accidental loss of life on account of COVID-19 related duty.
• Proof of engaging the services of individual by the Government officials authorized by the State/UT Government.
• Certify and submit proof that the deceased had accidental loss of life on account of COVID-19 related duty.
Frequently Asked Questions
Q: What does this Scheme cover?
A: This accident insurance scheme covers; Loss of life due to COVID19, and Accidental death on account of COVID-19 related duty.
Q: What is the definition of Accident?
A: An accident is sudden, unforeseen and involuntary event caused by external, visible and violent means.
Q: Who all are covered under the scheme?
A: 1. Public healthcare providers including community health workers, who may have to be in direct contact and care of COVID-19 patients and who may be at risk of being impacted by this.
2. Private hospital staff and retired /volunteer /local urban bodies/ contracted /daily wage/ad-hoc/outsourced staff requisitioned by States/ Central hospitals/ autonomous hospitals of Central/ States/UTs, AIIMS and INIs/ hospital of Central Ministries can also be drafted for COVID 19 related responsibilities.
Q: Who can be a volunteer under this scheme?
A: Volunteers are those who are drafted by the Government Official authorized by Central/State/ UT Government for care and may have come in direct contact of the COVID-19 patient
Q: Who are ‘Private persons’ under this scheme?
A: Private persons are those who are engaged by both public & private health care institutions/organization through an agency and were deployed /drafted for care and may have come in direct contact of the COVID-19 patient (with the proof that the service of the agencies were engaged by the institution/organization).
Q: When does insurance coverage policy begins and ends?
A: The duration of the policy is for a period of 90 days, starting from March 30, 2020.
Q: Is there any age-limit for health workers under this scheme?
A: There's no age limit for this scheme.
Q: Is individual enrolment required?
A: Individual enrolment is not required.
Q: Whether an individual is required to pay any premium to be eligible under the scheme?
A: The entire amount of premium for this scheme is being borne by the Ministry of Health and Family Welfare, Government of India.
Q: What is the benefit available to the insured persons?
A: INR 50,00,000/- will be paid to the claimant of the insured person
The scheme "Pradhan Mantri Garib Kalyan Package: Insurance Scheme for Health Workers Fighting COVID-19" by the Ministry of Health and Family Welfare, Government of India, aims to provide ₹50,00,000/- insurance cover to healthcare workers through financial protection against death or disability during COVID-19 duty.
Exclusions
• <br>
Benefits
• Insurance Coverage: ₹50,00,000/- provided in case of death or permanent disability due to COVID-19.
• Risk Coverage: Covers loss of life due to COVID-19; covers accidental death during COVID-19-related duty.
Eligibility Criteria
1. - The applicant must be a healthcare worker; including doctors, nurses, paramedics, and support staff.
2. - The applicant must be directly involved in COVID-19 related duties.
3. - The applicant must be a citizen of India.
4. - The applicant must be working in a COVID-19 designated hospital or care facility.
5. - The applicant must be registered under a government health program.
6. <br>
Application Process
Step 1: Step 1: The concerned institution/department is informed about the claim.
Offline
Step 1: The concerned institution/department is informed about the claim.
Step 2: Step 2: The insurance company is intimated via email at "[email protected]".
Offline
Step 2: The insurance company is intimated via email at "[email protected]".
Step 3: Step 3: The claimant fills the claim form and attaches the required documents.
Offline
Step 3: The claimant fills the claim form and attaches the required documents.
Step 4: Step 4: The claimant submits the form to the healthcare institution/organization.
Offline
Step 4: The claimant submits the form to the healthcare institution/organization.
Step 5: Step 5: The institution verifies, certifies, and forwards the claim to the competent authority.
Offline
Step 5: The institution verifies, certifies, and forwards the claim to the competent authority.
Step 6: Step 6: The competent authority submits the claim to the insurance company for approval.
Offline
Step 6: The competent authority submits the claim to the insurance company for approval.
Required Documents
• Claim form duly filled and signed by the nominee/claimant.
• Identity proof of Deceased (Certified copy)
• Identity proof of the Claimant (Certified copy)
• Proof of relationship between the Deceased and the Claimant (Certified copy)
• Death summary by the Hospital where death occurred (in case death occurred in hospital)(Certified copy).
• Death Certificate (in Original)
• Post-mortem Report (Certified copy)
• Cancelled Cheque (desirable) (in Original)
• FIR (Certified copy)
• Certificate by the Healthcare Institution/ organization/ office that the deceased was an employee of /engaged by the institution and had an accidental loss of life on account of COVID-19 related duty.
• Claim form duly filled and signed by the nominee/claimant.
• Identity proof of Deceased (Certified copy)
• Identity proof of the Claimant (Certified copy)
• Proof of relationship between the Deceased and the Claimant (Certified copy)
• Laboratory Report certifying having tested Positive for COVID-19 (in Original or Certified copy)
• Death summary by the Hospital where death occurred (in case death occurred in hospital) (Certified copy).
• Death Certificate (in Original)
• Certificate by the Healthcare Institution/ organization/ office that the deceased was an employee of /engaged by the institution and was deployed/drafted for care and may have come in direct contact of the COVID-19 patient. For community health care workers, the Certificate should be from Medical Officer of Primary Health Centre (PHC) that ASHA/ASHA Facilitator was drafted for work related to COVID-19.
• Health care facilities of Central/State/UT Governments/ Urban Local Bodies
• Autonomous / PSU hospitals of Central/State / UT Government, AIIMSs, INIs and Hospitals of Central Ministries.
• Certificate of employment/engagement by the Head of Institution/ organization/office indicating that the Deceased was an employee of/engaged by the Institution.
• Certify and submit proof that the deceased had accidental loss of life on account of COVID-19 related duty.
• Certificate of Employment by the Director / Medical Superintendent / Head of the Institution.
• Certify and submit proof that the deceased had accidental loss of life on account of COVID-19 related duty.
• Certified copy of the document indicating that the services of the Agency were engaged by the Institution / Organization.
• Proof of engaging the services of individual by the Agency.
• Certify and submit proof that the deceased had accidental loss of life on account of COVID-19 related duty.
• Certificate of engagement as ASHA/ASHA Facilitator provided by the Medical Officer of Primary Health Centre (PHC).
• Certificate by Medical Officer of Primary Health Centre (PHC) that ASHA/ASHA Facilitator had accidental loss of life on account of COVID-19 related duty.
• Proof of engaging the services of individual by the Government officials authorized by the State/UT Government.
• Certify and submit proof that the deceased had accidental loss of life on account of COVID-19 related duty.
Frequently Asked Questions
Q: What does this Scheme cover?
A: This accident insurance scheme covers; Loss of life due to COVID19, and Accidental death on account of COVID-19 related duty.
Q: What is the definition of Accident?
A: An accident is sudden, unforeseen and involuntary event caused by external, visible and violent means.
Q: Who all are covered under the scheme?
A: 1. Public healthcare providers including community health workers, who may have to be in direct contact and care of COVID-19 patients and who may be at risk of being impacted by this.
2. Private hospital staff and retired /volunteer /local urban bodies/ contracted /daily wage/ad-hoc/outsourced staff requisitioned by States/ Central hospitals/ autonomous hospitals of Central/ States/UTs, AIIMS and INIs/ hospital of Central Ministries can also be drafted for COVID 19 related responsibilities.
Q: Who can be a volunteer under this scheme?
A: Volunteers are those who are drafted by the Government Official authorized by Central/State/ UT Government for care and may have come in direct contact of the COVID-19 patient
Q: Who are ‘Private persons’ under this scheme?
A: Private persons are those who are engaged by both public & private health care institutions/organization through an agency and were deployed /drafted for care and may have come in direct contact of the COVID-19 patient (with the proof that the service of the agencies were engaged by the institution/organization).
Q: When does insurance coverage policy begins and ends?
A: The duration of the policy is for a period of 90 days, starting from March 30, 2020.
Q: Is there any age-limit for health workers under this scheme?
A: There's no age limit for this scheme.
Q: Is individual enrolment required?
A: Individual enrolment is not required.
Q: Whether an individual is required to pay any premium to be eligible under the scheme?
A: The entire amount of premium for this scheme is being borne by the Ministry of Health and Family Welfare, Government of India.
Q: What is the benefit available to the insured persons?
A: INR 50,00,000/- will be paid to the claimant of the insured person
Eligibility Criteria
1
- The applicant must be a healthcare worker; including doctors, nurses, paramedics, and support staff.
2
- The applicant must be directly involved in COVID-19 related duties.
3
- The applicant must be a citizen of India.
4
- The applicant must be working in a COVID-19 designated hospital or care facility.
5
- The applicant must be registered under a government health program.
6
<br>
Benefits
Insurance Coverage: ₹50,00,000/- provided in case of death or permanent disability due to COVID-19.
Risk Coverage: Covers loss of life due to COVID-19; covers accidental death during COVID-19-related duty.
Required Documents
| # | Document |
|---|---|
| 1 | Claim form duly filled and signed by the nominee/claimant. |
| 2 | Identity proof of Deceased (Certified copy) |
| 3 | Identity proof of the Claimant (Certified copy) |
| 4 | Proof of relationship between the Deceased and the Claimant (Certified copy) |
| 5 | Death summary by the Hospital where death occurred (in case death occurred in hospital)(Certified copy). |
| 6 | Death Certificate (in Original) |
| 7 | Post-mortem Report (Certified copy) |
| 8 | Cancelled Cheque (desirable) (in Original) |
| 9 | FIR (Certified copy) |
| 10 | Certificate by the Healthcare Institution/ organization/ office that the deceased was an employee of /engaged by the institution and had an accidental loss of life on account of COVID-19 related duty. |
| 11 | Claim form duly filled and signed by the nominee/claimant. |
| 12 | Identity proof of Deceased (Certified copy) |
| 13 | Identity proof of the Claimant (Certified copy) |
| 14 | Proof of relationship between the Deceased and the Claimant (Certified copy) |
| 15 | Laboratory Report certifying having tested Positive for COVID-19 (in Original or Certified copy) |
| 16 | Death summary by the Hospital where death occurred (in case death occurred in hospital) (Certified copy). |
| 17 | Death Certificate (in Original) |
| 18 | Certificate by the Healthcare Institution/ organization/ office that the deceased was an employee of /engaged by the institution and was deployed/drafted for care and may have come in direct contact of the COVID-19 patient. For community health care worke |
| 19 | Health care facilities of Central/State/UT Governments/ Urban Local Bodies |
| 20 | Autonomous / PSU hospitals of Central/State / UT Government, AIIMSs, INIs and Hospitals of Central Ministries. |
| 21 | Certificate of employment/engagement by the Head of Institution/ organization/office indicating that the Deceased was an employee of/engaged by the Institution. |
| 22 | Certify and submit proof that the deceased had accidental loss of life on account of COVID-19 related duty. |
| 23 | Certificate of Employment by the Director / Medical Superintendent / Head of the Institution. |
| 24 | Certify and submit proof that the deceased had accidental loss of life on account of COVID-19 related duty. |
| 25 | Certified copy of the document indicating that the services of the Agency were engaged by the Institution / Organization. |
| 26 | Proof of engaging the services of individual by the Agency. |
| 27 | Certify and submit proof that the deceased had accidental loss of life on account of COVID-19 related duty. |
| 28 | Certificate of engagement as ASHA/ASHA Facilitator provided by the Medical Officer of Primary Health Centre (PHC). |
| 29 | Certificate by Medical Officer of Primary Health Centre (PHC) that ASHA/ASHA Facilitator had accidental loss of life on account of COVID-19 related duty. |
| 30 | Proof of engaging the services of individual by the Government officials authorized by the State/UT Government. |
| 31 | Certify and submit proof that the deceased had accidental loss of life on account of COVID-19 related duty. |
How to Apply
1
Step 1: The concerned institution/department is informed about the claim.
Offline Step 1: The concerned institution/department is informed about the claim.
2
Step 2: The insurance company is intimated via email at "[email protected]".
Offline Step 2: The insurance company is intimated via email at "[email protected]".
3
Step 3: The claimant fills the claim form and attaches the required documents.
Offline Step 3: The claimant fills the claim form and attaches the required documents.
4
Step 4: The claimant submits the form to the healthcare institution/organization.
Offline Step 4: The claimant submits the form to the healthcare institution/organization.
5
Step 5: The institution verifies, certifies, and forwards the claim to the competent authority.
Offline Step 5: The institution verifies, certifies, and forwards the claim to the competent authority.
6
Step 6: The competent authority submits the claim to the insurance company for approval.
Offline Step 6: The competent authority submits the claim to the insurance company for approval.
Frequently Asked Questions
This accident insurance scheme covers; Loss of life due to COVID19, and Accidental death on account of COVID-19 related duty.
Sources and references
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