Mukhyamantri Haryana Karamchari Durghatna Bima Yojana (MMHKDBY)

Scheme Introduction: A Brief Overview

The Government of Haryana introduced the Mukhyamantri Haryana Karamchari Durghatna Bima Yojana (MMHKDBY) to provide financial security to the families of employees who perform high-risk duties. Positions such as firemen, sewer workers, linemen, assistant linemen, and sanitation workers involve a comparatively higher risk of accidents than regular office-based work. If such an employee dies in an accident, the family may face significant financial hardship. The scheme is intended to address this situation by providing a lump-sum insurance amount to the eligible family.

Under the Haryana Karamchari Durghatna Bima Yojana, employees have been divided into two categories. Around 11,000 identified high-risk Group C and Group D employees are covered for ₹10 lakh, while around 33,000 sanitation workers working in urban and rural areas are provided accident insurance coverage of ₹5 lakh. The sanitation worker category includes both regular and contractual employees, thereby covering a broader group of workers.

One of the key features of the scheme is that employees do not have to pay any premium from their own pocket. The Haryana Parivar Suraksha Nyas (HPSN) is recorded as the policyholder, and the entire premium is borne by the Nyas. For sanitation workers, the premium rate was fixed at ₹11.50 per lakh. The insurance policy is issued on an unnamed basis, meaning employees do not need to separately register their names or apply online. Employees working in the relevant eligible category are covered accordingly. Therefore, under the Mukhyamantri Haryana Karamchari Durghatna Bima Yojana, the claim process is more important than registration.

The scheme is operated by the Haryana Parivar Suraksha Nyas (HPSN), which functions under the Finance Department, Government of Haryana. The Nyas was established under the Indian Trusts Act to bring beneficiaries of various government insurance schemes onto a common platform, preventing duplication, improving implementation, and ensuring savings in government expenditure. For providing insurance coverage, the Nyas had entered into a Memorandum of Understanding with IFFCO-Tokio General Insurance Company, which became effective from May 20, 2022, for one year of insurance coverage.

In the event of an accident, timely notification is important. As per the insurance policy conditions, written notice of death must be provided to the insurance company before the funeral or within a maximum period of one calendar month. After receiving all the required documents, the insurance company is required to make a settlement offer within 30 days. In addition, the Haryana Government provides security coverage under the Deen Dayal Upadhyaya Antyodaya Parivar Suraksha Yojana (DAYALU) and the Mukhyamantri Vyapari Samuhik Niji Durghatna Bima Yojana. Under DAYALU, families with an annual income below ₹1.80 lakh receive assistance of ₹1 lakh to ₹5 lakh in case of death or permanent disability, while the trader scheme provides ₹5 lakh accident insurance coverage to GST-registered traders.

Scheme Benefits

The benefits available under the Haryana Karamchari Durghatna Bima Yojana are determined according to the employee category. The major benefits are as follows:

• As per the 2022 insurance arrangement, an insured amount of ₹10 lakh was prescribed for identified high-risk Group C and D employees.
• An insured amount of ₹5 lakh was provided for sanitation workers, including regular and contractual sanitation workers working in urban and rural areas.
• In case of accidental death, the insurance amount is paid subject to the prescribed policy conditions and eligibility requirements.
• Under the available insurance arrangement, the insurance premium is borne by the Haryana Parivar Suraksha Nyas (HPSN), and employees are not required to pay the premium.
• There is a provision for settling the claim within 30 days after receiving all the required documents.

Details of Insurance Amount

Under the scheme, benefits are provided in case of death or disability caused by an accident at the workplace, as follows:

Eligibility

The eligibility requirements for identified employees under the Mukhyamantri Haryana Karamchari Durghatna Bima Yojana are as follows:

• The employee must be working in the state of Haryana.
• The employee must be working in an identified high-risk Group C or Group D position, such as a fireman, sewer worker, lineman, or assistant lineman; or
• The employee must be working as a sanitation worker in an urban or rural area.
• Both regular and contractual employees are covered under the sanitation worker category.
• For claiming the insurance benefit, the accident must have occurred during the policy period.

Required Documents

The following documents are required to claim benefits under the Mukhyamantri Haryana Karamchari Durghatna Bima Yojana:

• Proof of residence/permanent residence certificate
• Duly filled claim form provided by the insurance company
• Aadhaar Card
• Bank account details
• Death certificate
• Proof of being the legal heir
• Post-mortem report in case of death
• FIR
• Other supporting evidence and documents required by the insurance company
• Proof of being a government employee
• Mobile number

How to Avail the Benefits

• Eligible beneficiaries do not need to apply separately for the Mukhyamantri Haryana Karamchari Durghatna Bima Yojana.
• Government Group C and D employees and sanitation workers are provided insurance coverage as per the applicable category.
• Only employees whose death or disability has occurred due to an accident at the workplace are eligible for benefits under the scheme.
• In case of death or disability of an eligible Group C or D employee, the eligible heir is entitled to ₹10,00,000, subject to the policy terms.
• In case of death or disability of an eligible sanitation worker, the eligible heir is entitled to ₹5,00,000, subject to the policy terms.

Claim Process

• Inform the insurance company immediately after the accident.
• In case of death, the information must be provided before the funeral or within a maximum period of one calendar month.
• Duly fill out the claim form provided by the insurance company.
• The official claim form for the sanitation worker category can also be downloaded from the Haryana Parivar Suraksha Nyas website.
• Attach the certificate issued by a registered medical practitioner, the post-mortem report in case of death, and other evidence required by the insurance company with the claim form.
• The insurance company is required to make a settlement offer within 30 days after receiving all the necessary documents.
• As per the policy, in case of death, the insurance amount is payable to the legal heir, assignee, or nominee, as applicable.

Relevant Links

• Haryana Parivar Suraksha Nyas Portal
• Haryana Finance Department Portal
• Mukhyamantri Haryana Karamchari Durghatna Bima Yojana Details
• Mukhyamantri Haryana Karamchari Durghatna Bima Yojana Guidelines

Contact Information

• Haryana Parivar Suraksha Nyas Contact Details
• Haryana Finance Department Contact Details