Please
refer to the subject cited above.
It is intimated that the Govt.
has entered into MOU with Reliance
General Insurance Company Ltd.
For implementing Rajiv GHandhi
Parivar Bima Yojna in Haryana
State w.e.f. 28th march, 2008
for one year. The main
terms & conditions of the
scheme and of this MOU are as
under:- 1
DEFINATION
(i) Insured/Beneficiary
The insurane scheme shall cover
all the persons in the age group
of 18 to 60 years of all the
families in Haryana whose names
appear in the voter’s
list of Haryana or who hold
Ration Card issued by the Food
and Supplies Department of Haryana
except government employees
and income tax payees subject
to the conditiond that only
one person in a family shall
be given benefit of insurance
under this scheme. Benefit of
the scheme for death or permanent
disability resulting from accident
occurring even outside Haryana
shall be extended under the
scheme.
(ii) Categories
excluded from the Scheme
(a) All income
tax payees.
(b) All the
employees of Government, and
its Public Sector Undertakings,
Co-operative Institutions, Universities,
Government Aided Institutions
etc. as they are already covered
under Group Insurance Scheme.
2.
CRITERIA FOR VERIFICATION OF
INSURED/BENEFICIARY
(a) Name of
the insured/beneficiary shall
appear in ration card or voters
list, and
(b) Certificate
by the concerned Sarpanch or
municipal Commissioner regarding
age, status of the deceased/
insured and domicile of the
deceased/insured.
3.
COVERAGE
(i) Death/permanent
total disability/disability
due to accidents like:
(a) rail/road/air
accidents;
(b) riot, strike
and terrorism;
(C) snake bite,
drowing;
(d) poisoning,
electrocution;
(e) falling
from height, collapse of house/building;
(f) fire, explosion,
implosion;
(g) murder;
(h) attack
by animals;
(i) stampede
and suffocation etc.;
(j) frost bite,
sun burn (loo), lightening;
(k) burn injuries;
(ii) Death/permanent
total disability/disability
due to occupational hazards
like threshing machine/ industrial
machine etc. and due to any
other unnatural events except
the following:
(A) from-
(a) war and
allied perils;
(b) nuclear
risks;
(c) self injury,
suicide or attempted suicide,
or
(B) whilst-
i. under the
influence of alcoholic drinks
or drugs;
ii. engaging
in aviation activities other
than traveling as a passenger;
iii. breaching
any law with criminal intent.
4.
COMPENSATION
The insurer shall provide compensation
to the insured or nominee/legal
heir(s) of the insured/beneficiary,
as the case may be, as detailed
below in case the insured/beneficiary
suffers death/permanent total
disability/permanent disability
as mentioned in © and (d)
below due to any reasons as
mentioned in para 3 above:
(a) Death : Rs.
1.00 lac
(b) Permanent total disability
: Rs.
1.00 lac
(C) Loss of two limbs, two eyes,
one limb and one eye
: Rs.
50,000/-
(d) loss of one eye or one limb
: Rs.
25,000/-
5.
PAYMENT OF COMPENSATION
The compensation shall be paid
within a period of seventy two
hours to the nominee (s)/ legal
heir (s) case of death of the
insured and to the insured in
case of permanent total disability/disability
due to reasons as stipulated
in para 3 above or receipt of
confirmation from the Sub-Divisional
Officer (Civil)/ Nodal Officer
appointed by government of Haryana
along with the documents as
mentioned in para 6 below confirming
the death or permanent total
disability/ disability as the
case may be.
6.
DOCUMENTS TO BE SUBMDITTED BY
THE INSURED/NOMINEE/LEAGAL HEIR
IN CASE OF CLAIM
(I) In case of Death
(a) Recommendation of Sub-Divisional
Officer (Civil)/Nodal Officer;
(b) Certificate by the concerned
Sarpanch or Municipal Commissioner
regarding are, status of the
deceased and domicile of the
deceased;
(c) Attested photocopy of voters
list/ration card;
(d) Claim form;
(e) Post mortem report and death
certificate issued by competent
authority;
(f) Copy of first information
report.
(ii) In case of permanent total
disability/disability
(a) Recommendation of Sub-Divisional
Officer (civil) Nodal officer;
(b) Certificate by the concerned
Sarpanch or municipal commissioner
regarding age, status of the
insured and domicile of the
insured;
(c) Medical Certificate and
Medico Legal Report issued by
competent authority confirming
percentage and kind of disability;
(d) Attested photocopy of voters
list/ ration card;
(e) Claim corm;
(f) Copy of first information
report.
7.
MODE FOR CLAIMING PAYMENT
(I) All the documents mentioned
above shall be submitted by
the insured or legal heir/ nominee
of the deceased, as the case
may be, to the Sub-Divisional
Officer (Civil)/ Nodal Officer,
who in turn shall refer all
the relevant papers along with
his recommendation to the insurer
at the nearest Division/Branch
Office of the insurer for releasing
the payment as indicated above.
The Sub-Divisional Officer (Civil)
/ Nodal Officer shall be assisted
by District Social Welfare Officer
and Divisional manager/Branch
manager of the Insurance Company
for completion of required documents
for immediate release of compensation.
(ii) Compensation amount in
the form of bank draft or cheque
shall be prepared and submitted
by the insurer within a period
of seventy two hours of the
receipt of required documents
to the Sub-Divisional Officer
(civil)/Nodal Officer who in
turn shall disburse the same
to the insured or legal heir/nominee
of the deceased, as the case
may be, under intimation to
the Deputy Commissioner and
Director, Department of Social
justice and Empowerment, Haryana,
Chandigarh.
8.
INFORMATION
The insurer shall give fortnightly
information to the Government
(Nodal Department) and Nodal
Officer in the proforma prescribed
by the Government regarding
claims settled and compensation
disbursed under the Scheme during
the course of the year. The
Insurer shall disburse the amount
through its field Offices. If
their filed office (s) do (es)
not exist at any District headquarters,
then that District shall be
attached with the adjacent District
and such list shall be supplied
to the Nodal Department within
fifteen days.
9.
REJECTION OF CLAIM
The insurer shall not reject
any claim at its own level.
In case of any doubt, the claim
shall be referred to the Nodal
Department i.e. Director, Social
justice and Emplowerment, Haryana
who shall consider the whole
matter and pass a speaking order
and his order shall be final.
10.
MONITORING OF THE SCHEME
(I) The above scheme shall
be monitored by the insurer
in close association with the
Department of Social justice
and Empowerment, Haryana and
District Administration.
(II) In case of any administrative
problem, matter shall be sorted
out by a committee consisting
of Nodal Officer, nominated
officer of Department of Social
justice and Empowerment and
the insurer.
You are, therefore, requested
to do the needful in accordance
with the above instructions
and take immediate adequate
steps for the implementation
of the Rajive Gandhi Parivar
Bima Yojna in letter and spirit
as per the details given above.
A copy of the claim form is
also attached herewith.
11.
Ladli Social Security pensions schemes
In continuation of Haryana
Government Social Welfare Department
notification circulated vide
No.1803-SW(4)-2006 dated 18-9-2006
vide which the Ladli Social
Security Scheme was launched
with retrospective effect from
1st January, 2006 and further
amended vide Haryana Governement
Social Welfare Department notification
circulated vide No. 861-SW(4)-2007
dated 4.5.2007, it is reiterated
that all the conditions stipulated
therein must be kept in view
by the field officers while
implementing the above Scheme.
It should be ensured that no
eligible person is left out
whereas no ineligible person
is given the benefit for which
the applicant is not entitled
under the Scheme.
All the requisite conditions
which must be adhered to while
dealing with the above Scheme
have been serialized below for
your convenience.
1. The applicant i.e. biological
single parent of biological
parents should have no son,
biological or adopted.
2. The applicant should have
only daughter/daughers. Biological
adopted.
3. The benefit under the Scheme
can be extended on the birth
of first girl child itself if
the applicant fulfills other
conditions.
4. The applicant should be a
domicile of Haryana.
5. The Haryana Govt. employees
and their family having no son,
biological or adopted, but having
only daughter/daughters are
also eligible under this Scheme
provided they are not specifically
excluded as mentioned in para-13
6. The enrolment of families
under this Scheme will commerce
from the 45th birthday of the
mother or father whosoever is
older.
7. This benefit is admissible
for 15 years from 45th birthday
to 60th birthday of the applicant
beneficiary.
8. In case of the death of either
of the parents, the surviving
spouse will get this benefit
i.e. Rs. 500/- per month during
the period till the 60th birthday
of the surviving spouse.
9. In case of single parent
family the age of such parent
will be the deciding factor
as explained in para6. Such
Single parent will get the benefit
of Rs. 500/- per month from
the 45th birthday to 60th birthday.
10. The Scheme is not restricted
to BPL/SC/ST families only.
11. The Scheme is open for all
sections of the society irrespective
of the sex caste, race, creed
or religion of the applicant
beneficiary.
12. The following persons shall
be excluded for grant of benefit
under this Scheme.
1. those who themselves or their
children are sales Tax Assesses.
2. Those Who themselves or their
children are income Tax Assesses.
3. Those whose children are
class-I/class-II Gazetted Officers
in the service of the Government
or hold equivalent post in public
sector undertaking or are employed
under a private employer and
draw a salary equivalent to
that of a Class-II Gazetted
Officer (Rs. 12,000/- per month
minimum)
4. Those whose Children are
professional i.e. Doctor or
lawyer or Chartered Accountant
or Income Tax consultant of
Dental Surgeon Engineer or Architect
or Contractor etc. (This list
is only illustrative and all
such professionals of a similar
nature may also be included.
5. Those who themselves or their
children are MPs or MLAs or
chairmen of Boards or corporations
or have been MPs, or MLAs or
chairmen of Boards or Corporations.
6. If either parent is getting
old Age pensions schemes the benefit
under Ladli Social Security
pensions schemes can not be
given to the other spouse.
7. If a son is born or adopted
by the beneficiary after the
sanction of the Ladli Social
Security pensions schemes. the
benefit of the Scheme will be
stopped forth with.
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