The Government of India recently extended Pradhan Mantri Garib Kalyan Package Insurance Scheme to provide an insurance cover of Rs 50 lakhs to COVID-19 health care providers. The scheme was announced in March 2020 for a period of 90 days. It has now been extended for another 180 days.

Pradhan Mantri Garib Kalyan Yojana was launched in March 2020 to help ease life of citizens during COVID-19 lock down. This insurance scheme is a part of this package.


The Ministry of Health and Family Welfare collaborated with New India Assurance Company limited to provide insurance amounts to health workers fighting COVID-19.

About the insurance scheme

The scheme provides an insurance cover of Rs 50 lakhs to health care providers. The beneficiaries mainly include health workers that are in direct contact with COVID-19 patients. It also includes accidental loss of life on account of contracting COVID-19.

Key Features of the scheme

  • The insurance amount provided to the workers is borne by the Ministry of Health and Family Welfare.
  • The benefit under the scheme is payable in addition to amount that is being paid to other polices and schemes
  • No age limit has been fixed for the scheme and any individual shall enroll in the scheme.
  • So far, the GoI has paid 61 claims under the scheme. There are 156 claims under the examination of New India Assurance Company Limited.
  • It is essential for the beneficiaries to provide positive certificate towards COVID-19 testing. However, in case of accidental loss of life on account of COVID-19 related duty the certificate is not required.

Beneficiaries of the scheme

The public health care providers in direct contact with COVID-19 patients and those at risk of being impacted by COVID-19 are included in the scheme. Apart from these beneficiaries, the scheme also includes retired hospital staff, staff, volunteers, daily wage workers, contract health workers, ad-hoc workers, AIIMS/INI workers, autonomous hospital workers, outsourced staff requisitioned by states, central hospitals, hospitals of central ministries.


Categories: Government Schemes in Current Affairs