AI SummaryRajasthan government's Mukhyamantri Aayushman Durghatna Bima Yojana (MADBY) provides free accident insurance cover of up to Rs 10 lakh to families registered under the Mukhyamantri Aayushman Swasthya Bima Yojana. The scheme is run by the State Insurance and Provident Fund Department through its official portal mcdbysipf.rajasthan.gov.in.
This accident cover was first launched as Mukhyamantri Chiranjeevi Durghatna Bima Yojana in the 2022-23 budget with a Rs 5 lakh cover. It has now been expanded and renamed as Mukhyamantri Aayushman Durghatna Bima Yojana, with the cover raised to Rs 10 lakh. This article explains the registration, eligibility, premium, claim process and other details.
About Rajasthan Mukhyamantri Aayushman Durghatna Bima Yojana 2026
Mukhyamantri Aayushman Durghatna Bima Yojana gives free accident insurance to families already covered under Mukhyamantri Aayushman Swasthya Bima Yojana and the Rajasthan Government Health Scheme. The scheme was announced by former Chief Minister Ashok Gehlot in the Rajasthan Budget 2022-23 and its rollout started from 1 May 2022.
Private accident insurance policies cost thousands of rupees every year, which is hard for many families to afford. This scheme removes that money problem. Eligible families get accident cover without paying any premium, and the full premium amount is paid by the state government. The scheme is now managed by the State Insurance and Provident Fund Department.
Mukhyamantri Aayushman Durghatna Bima Yojana Highlights
| Detail | Information |
|---|---|
| Scheme Name | Mukhyamantri Aayushman Durghatna Bima Yojana (MADBY) |
| Launched By | Rajasthan State Government |
| Beneficiaries | Families covered under Mukhyamantri Aayushman Swasthya Bima Yojana |
| Accident Cover | Up to Rs 10 lakh |
| Premium | Free (paid by state government) |
| Application Mode | Online |
| Official Website | mcdbysipf.rajasthan.gov.in |
Coverage under the scheme
If a family member dies or suffers permanent disability in an accident, the family gets a fixed payment based on the type of loss. The payment is made to the bank account of the family head linked to the Jan Aadhaar card. The payment details are given below.
- Death of more than one family member in the same accident: Rs 10 lakh.
- Death of one family member in an accident: Rs 5 lakh.
- Loss of both hands, both feet or both eyes, or one hand and one foot, or one hand and one eye, or one foot and one eye: Rs 3 lakh.
- Loss of one hand, one foot or one eye: Rs 1.5 lakh.
Only accidents caused by an external, violent and visible event are covered. Natural death, illness, suicide, murder, drug or alcohol use, and pregnancy related losses are not covered. Fractures of hands or feet are also not covered under the policy.
Eligibility for the scheme
Families that are already insured or registered under the Mukhyamantri Aayushman Swasthya Bima Yojana and the Rajasthan Government Health Scheme are covered automatically. There is no separate application form for this accident cover.
- Families registered under Mukhyamantri Aayushman Swasthya Bima Yojana and Rajasthan Government Health Scheme.
- Families of electricity workers of all five power companies who are not covered under both schemes.
- Families registered under the Rajasthan Government Health Scheme (RGHS).
A Jan Aadhaar card is required to get the benefit. The family head recorded in the Jan Aadhaar card is treated as the head of the insured family, and the claim amount is paid to the bank account linked to the Jan Aadhaar card.
No premium has to be paid by the family for this accident cover. The entire premium amount is borne by the state government, so the cover is completely free for eligible families.
How to file a claim
When a family member dies or suffers permanent disability in an accident, any adult member of the insured family can file the claim online on the official portal. The claim process is explained below.
STEP 1 - Go to the official portal at mcdbysipf.rajasthan.gov.in and open the claim form under the scheme section.
STEP 2 - Fill in the details of the accident and the person who died or was injured. The claim must be filed within 60 days of the accident date, or the date of death in case of death.
STEP 3 - Submit the claim form. An OTP is sent to the mobile number linked to the Jan Aadhaar card, and the claim is registered on the portal only after the OTP is verified.
STEP 4 - Upload the required documents online. The insurer checks the claim and may ask for more documents online if needed.
STEP 5 - Once all documents and the investigation report are received, the claim is settled within 30 days. The approved amount is paid directly to the bank account of the family head linked to the Jan Aadhaar card.
Required documents
The documents needed for a claim are listed on the official portal. In most cases, the Jan Aadhaar card, accident report, death certificate or disability certificate, and bank account details linked to Jan Aadhaar are required. The exact list is available on the portal.
FAQ's
Is the scheme still running?
Yes, the scheme is running and has been renamed as Mukhyamantri Aayushman Durghatna Bima Yojana. It is now managed by the State Insurance and Provident Fund Department.
What is the accident cover amount?
The cover has been raised to Rs 10 lakh. In case of death of one family member, Rs 5 lakh is paid, and in case of death of more than one member, Rs 10 lakh is paid.
Do I have to pay any premium?
No, the premium is paid fully by the state government. The accident cover is free for eligible families.
How do I file a claim?
Claims are filed online on the official portal mcdbysipf.rajasthan.gov.in within 60 days of the accident. The claim is settled within 30 days after all documents are received.
Detailed guidelines of the scheme - Mukhyamantri Chiranjeevi Durghatna Bima Yojana Guidelines PDF
Announcement of the scheme in the Rajasthan Budget Speech 2022-23 - Rajasthan Budget Speech 2022-23 PDF
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