Pradhan Mantri Garib Kalyan Package : Insurance Scheme For Health Workers Fighting COVID-19
State: Central
Ministry: Ministry Of Health & Family Welfare
Department: Department of Health and Family Welfare
Category: Health & Wellness
Beneficiary Type: Individual

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

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.
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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.

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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.

Documents Required:
In case of Accidental loss of life on account of COVID-19 related duty following documents are 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. 
In case of Loss of life due to COVID-19 following documents are requiredClaim 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.
Certificate DetailsThose employees (Regular/Adhoc/Contractual/Daily Wagers/retired Government Officials/ Private individuals) engaged byHealth 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. 
Private healthcare InstitutionCertificate 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.
Private person engaged by the Health Care Institutions / Organizations (both public and private) through an AgencyCertified 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.
Community Health Workers (ASHAs and ASHA Facilitators)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.
Volunteers drafted for COVID 19 related responsibilities by the Government officials authorized by the State/UT GovernmentProof 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.