PMGKP

Pradhan Mantri Garib Kalyan Package : Insurance Scheme For Health Workers Fighting COVID-19

The scheme aims to provide financial protection through insurance cover of ₹50,00,000/- to healthcare workers fighting COVID-19.

Central Cash

States / UT: All India

Ministry / nodal: Ministry Of Health & Family Welfare

Nodal department: Department of Health and Family Welfare

Scheme for: Individual

Scheme profile

DBT (direct benefit transfer): No

Scheme open date: 2020-03-01

Categories: Health & Wellness

Sub-categories: Life Insurance

Target beneficiaries: Individual

Tags: Life Insurance, Health Workers, COVID-19

Details

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.

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
  • 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

  • The applicant must be a healthcare worker; including doctors, nurses, paramedics, and support staff.
  • The applicant must be directly involved in COVID-19 related duties.
  • The applicant must be a citizen of India.
  • The applicant must be working in a COVID-19 designated hospital or care facility.
  • The applicant must be registered under a government health program.

Exclusions


Application Process

Offline

Step 1: The concerned institution/department is informed about the claim.
Step 2: The insurance company is intimated via email at "nia.312000@newindia.co.in".
Step 3: The claimant fills the claim form and attaches the required documents.
Step 4: The claimant submits the form to the healthcare institution/organization.
Step 5: The institution verifies, certifies, and forwards the claim to the competent authority.
Step 6: The competent authority submits the claim to the insurance company for approval.

Clarifications

Additional points from the scheme information published on myScheme (not legal advice).

What does this Scheme cover?
This accident insurance scheme covers; Loss of life due to COVID19, and Accidental death on account of COVID-19 related duty.
What is the definition of Accident?
An accident is sudden, unforeseen and involuntary event caused by external, visible and violent means.
Who all are covered under the scheme?
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.
Who can be a volunteer under this scheme?
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
Who are ‘Private persons’ under this scheme?
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).
When does insurance coverage policy begins and ends?
The duration of the policy is for a period of 90 days, starting from March 30, 2020.
Is there any age-limit for health workers under this scheme?
There's no age limit for this scheme.
Is individual enrolment required?
Individual enrolment is not required.
Whether an individual is required to pay any premium to be eligible under the scheme?
The entire amount of premium for this scheme is being borne by the Ministry of Health and Family Welfare, Government of India.
What is the benefit available to the insured persons?
INR 50,00,000/- will be paid to the claimant of the insured person

References

Apply

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Opens the official application or programme portal in a new tab. If in doubt, confirm details on the ministry site.

Documents Required for Government Schemes

Most government schemes require basic documents for verification. While the exact requirements vary, common documents include:

  • Aadhaar Card
  • Income Certificate
  • Caste Certificate (if applicable)
  • Residence Proof
  • Bank Account Details
  • Educational Certificates (for student schemes)

How to Apply for Government Schemes?

The application process for government schemes may be online or offline depending on the scheme. In most cases, you can follow these steps:

  1. Check eligibility criteria
  2. Collect required documents
  3. Fill the application form
  4. Submit the application online or at the relevant office
  5. Track application status