Pradhan Mantri Garib Kalyan Package: Insurance Scheme For Health Workers Fighting COVID-19
Insurance coverage for health workers who die due to COVID-19 or related duties, providing a one-time benefit of ₹50 lakh.
Key facts
| Benefit | ₹50 lakh |
|---|---|
| Who | Health workers, community health workers, private hospital staff, volunteers, contracted staff, daily wage workers |
| How paid | One-time payment to claimant |
| Implemented by | Ministry of Health & Family Welfare |
| Application window | Open all year for eligible health workers. |
Benefits
Beneficiaries receive a one-time insurance payout of ₹50 lakh if they die due to COVID-19 or while performing COVID-19 related duties. The amount is paid to the claimant of the insured individual.
Who can apply
- For: health worker, community health worker, private hospital staff, volunteer, contracted staff, daily wage worker
- not income tax payer
- no government employee in family
Eligible applicants include health workers, community health workers, private hospital staff, volunteers, contracted staff, and daily wage workers. Individuals must not be income tax payers and should not have any government employees in their family.
How to apply
Claims must be submitted through the healthcare institution where the deceased was employed or engaged.
- Obtain the claim form and fill it out completely.
- Gather required documents, including identity proofs and death certificates.
- Submit the completed claim form and documents to the healthcare institution.
- The institution will certify the claim and forward it to the competent authority.
- The competent authority will submit the claim to the insurance company for approval.
Documents required
- 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.
Common problems and how to fix them
| Problem | What to do |
|---|---|
| Claim not processed | Ensure that the claim form is filled correctly and all required documents are submitted to the healthcare institution where the deceased was employed. |
| Delay in payment | Contact the insurance company via the provided email addresses to inquire about the status of the claim. |
Frequently asked questions
Who qualifies as a health worker under this scheme?
Health workers include public healthcare providers, community health workers, private hospital staff, and other contracted or daily wage workers involved in COVID-19 duties.
What documents are needed to file a claim?
Required documents include a filled claim form, identity proofs of the deceased and claimant, death certificate, and a certificate from the healthcare institution confirming the deceased's engagement in COVID-19 duties.
Is there an age limit for eligibility?
There is no age limit specified for eligibility under this insurance scheme.
What should I do if the death occurred in a hospital?
If the death occurred in a hospital, a death summary from that hospital must be included in the claim documents.
How is the claim amount disbursed?
The claim amount of ₹50 lakh is paid to the claimant of the insured person after the claim is approved by the insurance company.
Always confirm the latest details on the official portal before applying.
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