Medical Expenses for Treatment of Major Ailments (O.B.O.C.W.W.B) is a welfare scheme by the Odisha government that helps registered construction workers and their dependents meet treatment costs for serious health conditions. It provides financial support of up to ₹3,00,000 for approved medical treatment.
Odisha Building and Other Construction Workers Welfare Board under the Labour and Employees State Insurance Department runs this scheme. The board continues to accept online applications for the current year through the official nirman shramik portal, so registered workers can apply for treatment support under this scheme in 2026.
Medical Expenses for Treatment of Major Ailments (O.B.O.C.W.W.B) - Introduction
Medical Expenses for Treatment of Major Ailments (O.B.O.C.W.W.B) is a state-level welfare scheme that supports registered beneficiaries and their immediate family members who are fighting critical illnesses. The scheme covers diseases of the nervous system (brain and spine), cardiovascular system, kidney disorders, and cancer, in line with the Odisha State Treatment Fund norms.
To get this support, the worker or the dependent family member should remain registered with the board for at least one year. The financial help is paid towards approved treatment bills, and the total quantum of assistance for approved treatment is ₹3,00,000.
Eligible construction workers can apply online from the convenience of their home through the official portal of the Odisha Building and Other Construction Workers Welfare Board. Workers who have a valid registration and an active annual contribution are covered under this scheme.
Key Information
| Detail | Information |
|---|---|
| Scheme Name | Medical Expenses for Treatment of Major Ailments (O.B.O.C.W.W.B) |
| Level | State |
| Scheme For | Individual |
| Beneficiary State | Odisha |
| Category | Health and Wellness |
| Benefit Amount | ₹3,00,000 |
| Nodal Department | Labour and Employees State Insurance Department |
| Application Mode | Online and Offline |
| Official Website | nirmanshramik.odisha.gov.in |
Benefits
When a registered construction worker or a dependent faces a major health crisis, this scheme offers a financial safety net. The board pays the approved medical expenses towards treatment of the covered major ailments.
The total quantum of assistance provided for approved medical treatments is ₹3,00,000. This amount helps cover hospital bills, surgery costs, and other treatment expenses related to the covered diseases.
Eligibility
Eligibility under this scheme is checked at two stages. First, the worker should be a registered member of the board, and second, the person needing treatment should suffer from a covered major ailment.
Criteria for Registration as a Construction Worker
- Resident of Odisha who is actively engaged as a building or construction worker.
- Aged between 18 and 60 years at the time of registration.
- Worked in the construction sector for at least 90 days in the preceding year.
- Not a member of any other welfare fund set up under any law.
Criteria for Receiving Medical Assistance
- Registered member of the Odisha Building and Other Construction Workers Welfare Board, or dependent of a registered member.
- Valid registration for at least one year as per the Odisha State Treatment Fund norms.
- Medical proof of suffering from a covered major ailment such as disease of the nervous system, cardiovascular system, kidney, or cancer.
Documents
Keep the following documents ready before applying for medical assistance under this scheme:
- Copy of registration certificate duly attested by local labour authorities.
- Proof of updated annual contribution towards the welfare fund.
- Essentiality Certificate signed by a medical professional of at least the rank of Assistant Surgeon from a government hospital.
- Original medical bills verified and signed by the treating doctor with the official seal.
- Disability Certificate from a Medical Board, in case the claim is due to an employment accident, detailing the nature and percentage of disability.
Application Process
Registered workers can apply for medical assistance online or offline as per their convenience. For online application, the worker should first complete one time registration on the official portal, and then select the medical benefit from the Benefit section of the login menu. For offline application, Form-XL is submitted to the local labour office with all supporting documents.
STEP 1 - Visit the official portal at nirmanshramik.odisha.gov.in and complete the One Time Registration if you are a new user.
STEP 2 - Login using your secure credentials and OTP, then navigate to the Benefit section in the menu.
STEP 3 - Select the medical assistance scheme, fill in all mandatory details, upload the required documents, and submit the application.
STEP 4 - Note down the Application Tracking Number and check the status regularly through the application tracking portal.
STEP 5 - For offline application, download Form-XL from the official website, fill it completely, attach self-attested copies of required medical and registration documents, and submit it to the local District Labour Officer, Assistant Labour Officer, or Rural Labour Inspector.
Definitions
The scheme applies to individuals involved in building or construction work, which includes tasks such as road building, plumbing, electrical wiring, stone cutting, and interior finishes, excluding those covered under the Factories Act or Mines Act. A building worker is defined as a person employed for manual, supervisory, or technical work in construction, provided they do not hold high-level managerial roles with salaries exceeding the prescribed limits.
References
Official Schemes List | Official Board Website
FAQ's
What is the age limit for registration?
You should be between 18 and 60 years of age to register as a beneficiary.
Is there a minimum work requirement?
Yes, you should have worked for at least 90 days in the construction sector during the 12 months preceding your application.
What is the medical assistance amount?
The scheme provides up to ₹3,00,000 for approved treatment of major ailments covered under the scheme.
How can I track my application?
You can check your status online by entering your Application Tracking Number on the official tracking portal.
How can I pay my annual contribution?
Registered workers can pay the annual contribution online through the annual contribution payment page using their registration number.
What happens if I submit false documents?
If you submit fraudulent documents, your membership will be cancelled, and the government will recover the disbursed funds under the provisions of the OPDR Act.
Are migrant workers from Odisha eligible?
Yes, migrant workers from Odisha currently working in other states can register as beneficiaries with the board.