Uttar Pradesh Chief Minister Trader Accident Insurance Scheme

Scheme Introduction: A Brief Overview

The Uttar Pradesh Chief Minister Trader Accident Insurance Scheme, also known as Mukhyamantri Vyapari Durghatna Bima Yojana, is a financial protection scheme introduced by the Uttar Pradesh Government for registered traders. The scheme was launched in August 2000 by the Commercial Tax Department, now known as the State Tax Department, to provide financial assistance to traders and their families when the insured trader suffers an eligible accidental death, murder or permanent disability. The scheme continues to be administered by the Uttar Pradesh State Tax Department.

Under the scheme, eligible registered traders are covered for financial assistance of up to ₹10 lakh in case of accidental death, murder or complete permanent disability. The coverage amount was increased from ₹5 lakh to ₹10 lakh with effect from October 27, 2017. The scheme also covers partial permanent disability, for which the assistance is determined according to the percentage of disability certified by the competent medical authority. For example, a certified disability of 20% may make the trader eligible for assistance equivalent to 20% of the insured amount, subject to the applicable scheme conditions.

The Uttar Pradesh Government also runs other social protection initiatives for its residents. For example, the Mukhyamantri Jan Arogya Yojana provides healthcare support to eligible beneficiaries, while the Mukhyamantri Sukshm Udhami Durghatna Bima Yojana focuses on accident protection for eligible small entrepreneurs. In comparison, the Mukhyamantri Vyapari Durghatna Bima Yojana specifically provides financial assistance to eligible registered traders and their beneficiaries in case of covered accidental death or disability.

The scheme identifies the insured person according to the structure of the registered business. In a proprietorship firm, the proprietor is considered the insured person. In a partnership firm, one partner is nominated as the insured person, while the Chief Executive Officer (CEO) is considered the insured person in a company. In the case of a Hindu Undivided Family (HUF) firm, the Karta is considered the insured person. If the same person is nominated as the insured person in more than one firm, the benefit is treated as a single claim rather than being multiplied according to the number of firms.

In case of the insured trader's death, the financial assistance is provided to the prescribed beneficiary, such as the spouse, eligible successor or legal heir. If the trader is unmarried, the prescribed beneficiary order provides for the father, followed by the mother and then the eligible successor, subject to the required successor certificate. In disability cases, the applicable assistance is provided to the insured trader.

The claim process for Mukhyamantri Vyapari Durghatna Bima Yojana is conducted offline and online through the Uttar Pradesh State Tax Department's. The claimant must provide the relevant death or disability documents, beneficiary or successor details and bank account information. Claims are normally required to be submitted within 6 months from the date of death, accident or disability. A prescribed late-registration procedure applies to claims submitted after this period, including submission of an affidavit explaining the delay. The department examines the claim and supporting documents through the prescribed verification process before releasing the approved assistance.

Scheme Benefits

Mukhyamantri Vyapari Durghatna Bima Yojana gives registered Uttar Pradesh traders a straightforward accident cover, with the benefit amount depending on the nature and severity of the accident.

• Rs. 10 lakh financial assistance to the family or nominee if a registered trader dies in an accident or is murdered.
• Rs. 10 lakh financial assistance to the trader if the accident causes total and permanent disability.
• Provides proportionate assistance for partial permanent disability based on the certified disability percentage.
• No premium payment of any kind is required from the trader; the entire premium cost is borne by the Uttar Pradesh government.
• Registered traders are automatically considered insured under the scheme, subject to the applicable conditions.
• Approved assistance is paid to the eligible trader or beneficiary through the prescribed departmental payment process.

Eligibility Requirements

The Uttar Pradesh Mukhyamantri Vyapari Durghatna Bima Yojana provides coverage to eligible traders registered with the Uttar Pradesh State Tax Department. The claimant must meet the applicable registration and claim conditions for receiving assistance under the scheme.

• The trader must be registered with the Uttar Pradesh State Tax Department.
• The registered trader must be covered under the Mukhyamantri Vyapari Durghatna Bima Yojana at the time of the accident, death or disability, as applicable.
• The claim must arise from an eligible event covered under the scheme, such as accidental death, murder, complete permanent disability or partial permanent disability.
• Natural death is not covered under the accidental death provision.
• In case of partial or complete disability, the trader must have the required disability certificate issued by the competent medical authority.
• In case of death, the claimant must be the eligible spouse, successor, legal heir or other beneficiary prescribed under the scheme.
• The claim should normally be submitted within 6 months from the date of death, accident or disability.
• For claims submitted after 6 months, the claimant must follow the prescribed late-registration procedure and submit the required affidavit explaining the delay.

Required Documents

Applicants must upload the documents applicable to their claim while applying for the Uttar Pradesh Mukhyamantri Vyapari Durghatna Bima Yojana. The current online claim portal requires different documents for accidental death and disability claims, along with beneficiary or successor and bank details. Documents that have been issued in a particular case must be uploaded with the claim.

• Death Certificate of the registered trader in case of accidental death.
• Post-mortem Report, if a post-mortem was conducted.
• Panchnama, if post-mortem was not conducted.
• FIR, if an FIR was registered.
• GD Report, if an FIR was not registered.
• Disability Certificate issued by the competent medical authority in case of disability.
• Beneficiary/Successor Certificate issued by the competent authority.
• PAN Card of the beneficiary/successor.
• Aadhaar Card of the beneficiary/successor.
• Bank Account Number of the beneficiary/successor.
• Bank IFSC Code of the beneficiary/successor.
• Bank Passbook or Cancelled Cheque showing the beneficiary's name, wherever required.
• Affidavit for late registration if the application is submitted after 6 months from the date of death or disability.

Steps to Apply

A trader, their nominee, or their legal heir can file a claim under Mukhyamantri Vyapari Durghatna Bima Yojana either online through the State Tax Department's own portal, or offline at the jurisdictional Joint Commissioner's office.

Online Application

• Visit the State Tax Department, Uttar Pradesh's VYAS Central portal for Vyapari Durghatna Bima Yojana.
• Choose your preferred language, English or Hindi, and select "New Registration."
• Enter your mobile number and the captcha code shown on the screen, then submit.
• Confirm the OTP sent to your mobile number to open the claim application form.
• Fill in the required details in the application form:
  • Trader's name, address, and date of birth
  • Firm name
  • PAN number
  • Commercial Tax/GST registration number
  • Date and place of the accident
  • Accident and treatment details
  • Date and cause of death (in death cases)
  • Nominee's details
• Upload the applicable documents, such as:
  • Death Certificate,
  • Post-mortem Report/Panchnama,
  • FIR/GD Report,
  • Disability Certificate and
  • Beneficiary/Successor Certificate.
• Upload the beneficiary's Aadhaar Card, PAN Card and bank-related documents as required.
• If the claim is being submitted after 6 months from the date of death or disability, upload the required affidavit for late registration.
• Review all the information and uploaded documents carefully.
• Submit the claim online and note the reference number generated by the portal for future reference and claim-status tracking.
• Use the same portal's "Check Status of Registered Application" option at any time to track your claim.

Offline Application

Online filing through the VYAS Central portal is the channel the department's own recent claim-processing records show in practice, but offline filing is also provided for. If you'd rather not apply online, or cannot access the portal:

• Obtain the claim form from the office of the jurisdictional Joint Commissioner, Commercial Tax, or download it from the department's website.
• Fill the claim form completely, sign it, and attach all the required documents listed above.
• Submit the completed claim form and documents at the office of the jurisdictional Joint Commissioner, Commercial Tax.
• The Joint Commissioner's office forwards the claim onward for verification and settlement through the department's internal claim-processing chain.
• It is worth confirming with your jurisdictional office beforehand that offline filing is currently being accepted there.

Claim Process

The claim process under the Uttar Pradesh Mukhyamantri Vyapari Durghatna Bima Yojana involves verification of the application and supporting documents at different levels of the State Tax Department. The claim is submitted online and is examined before the eligible assistance is approved for payment.

• The claimant submits the claim online through the prescribed State Tax Department portal along with the required documents.
• The claim is first examined by the concerned Assistant Commissioner.
• If the application and documents are found correct, the Assistant Commissioner forwards the claim to the Joint Commissioner.
• If any information or document is incomplete, the claim is returned for clarification or compliance with the required query.
• The Joint Commissioner examines the claim and forwards the eligible case to the Additional Commissioner.
• The Additional Commissioner reviews the claim and, if found appropriate, forwards it to the Head Office for further action.
• The Head Office examines the claim and sends the approved case for payment through the prescribed departmental process.
• The payment is released to the eligible trader or beneficiary after completion of the prescribed verification and approval process.
• The concerned authority maintains the details of the payment and transaction.
• Claims submitted after the prescribed 6-month period are processed under the applicable late-registration and delay-condonation procedure.

Nominee List

In case of accidental death or murder of the insured trader, the scheme provides financial assistance to the eligible spouse, successor or other prescribed beneficiary. The beneficiary is determined according to the following order:

• Spouse: The assistance is provided to the husband or wife of the deceased trader.
• More than one surviving spouse: If two or more wives are alive, the assistance is divided equally among them.
• Legal successor: If the husband or wife is not alive, payment is made on the basis of the successor certificate issued by the competent court.
• Unmarried trader: If the trader was unmarried, the assistance is provided to the father.
• Mother: If the father is not alive, the assistance is provided to the mother.
• Other legal successor: If both parents are not alive, payment is made to the eligible successor on the basis of the successor certificate issued by the competent court.
• Multiple insured partners: If more than one insured partner dies or becomes disabled at the same time, the insured amount is divided equally among the eligible claimants.

Who Is Considered the Insured Trader

Since a registered firm can have more than one person associated with it, Mukhyamantri Vyapari Durghatna Bima Yojana identifies one specific person as the "insured trader" for each type of business, rather than insuring every individual connected to a firm.

• Sole proprietorship: the proprietor is treated as the insured trader.
• Joint Hindu family firm: the Karta of the family is treated as the insured trader.
• Company: the Chief Executive Officer is treated as the insured trader.
• Registered partnership firm: whichever partner meets with the accident is treated as the insured trader for that claim; if more than one partner is affected in the same incident, the insured amount is divided equally among them.
• A trader who owns, or is a partner in, more than one registered firm is still paid as a single case, not once for every firm they are associated with.

Important Forms

• Mukhyamantri Vyapari Durghatna Bima Yojana Claim Information Form (Annexure 1)
• Mukhyamantri Vyapari Durghatna Bima Yojana Claim Form (Annexure 2)
• Mukhyamantri Vyapari Durghatna Bima Yojana Forwarding Letter (Annexure 3)
• Mukhyamantri Vyapari Durghatna Bima Yojana Forwarding Letter 2 (Annexure 4)

Relevant Links

• Apply for Mukhyamantri Vyapari Durghatna Bima Yojana
• Check Mukhyamantri Vyapari Durghatna Bima Yojana Application Status
• Mukhyamantri Vyapari Durghatna Bima Yojana Application Procedure
• Mukhyamantri Vyapari Durghatna Bima Yojana Reference ID Recovery
• Uttar Pradesh State Tax Department Website
• Mukhyamantri Vyapari Durghatna Bima Yojana Guidelines

Contact Information

• Mukhyamantri Vyapari Durghatna Bima Yojana Helpline Number: 18001805223.
• Commercial Tax Uttar Pradesh Contact Details