Eligo is India's independent civic information platform for government schemes — not affiliated with any government body.
Independent civic directory of statutory and public sector accident insurance schemes in India. Providing micro-cost accident protection with zero exclusion of hazardous manual occupations.
Personal accident insurance in India is anchored by the Pradhan Mantri Suraksha Bima Yojana (PMSBY), providing ₹2 Lakh cover for accidental death and permanent total disability, and ₹1 Lakh for permanent partial disability, for an annual premium of just ₹20 auto-debited from the subscriber's bank account.
PMSBY is administered through public sector general insurance companies (National Insurance, New India Assurance, Oriental Insurance, United India Insurance) in collaboration with all public sector and commercial banks.
In addition to PMSBY, several government ministries operate specialized mandatory accidental insurance programs: the Ministry of Rural Development bundles free accidental coverage for youth undergoing vocational skill training under DDU-GKY, and State Building and Other Construction Workers (BOCW) Welfare Boards provide dedicated accidental death compensation.
Click on any scheme for verified eligibility criteria, exclusions, and official government portal enrollment.
National Health Mission accidental death and permanent disability protection of ₹2 Lakh for rural ASHA workers.
Direct financial relief of ₹5 Lakh for accidental death or permanent total disability for poor and unorganized families in AP.
Special accidental death cover of ₹2 Lakh for grassroots ICDS frontline Anganwadi workers.
Ex-gratia relief of ₹2 Lakh for fatal factory and garden workplace accidents in tea estates.
Financial assistance of ₹2 Lakh on accidental death and ₹1 Lakh on permanent disability for registered unorganized workers.
Direct cash grant of ₹1 Lakh to ₹2 Lakh for unorganized worker accidental death and permanent handicap.
Mandatory free personal accident insurance of ₹2 Lakh for rural youth undergoing vocational skill training under Deen Dayal Upadhyaya Grameen Kaushalya Yojana.
Immediate ex-gratia relief of ₹2 Lakh for fatal construction site accidents in NCT of Delhi.
Ex-gratia relief of ₹5 Lakh for fatal mining roof collapse and quarry blast casualties.
Accidental death cover of ₹2 Lakh for licensed taxi, pilot motorcycle, and auto-rickshaw operators in Goa.
Accidental death relief of ₹2 Lakh and disability support for unorganized construction and industrial workers.
Sovereign accidental compensation up to ₹5 Lakh based on victim's age for accidental death or permanent disability of Haryana residents.
State ex-gratia relief up to ₹4 Lakh for fatal road accidents, bus plunge, and landslide disasters.
Financial assistance of ₹1.5 Lakh for accidental death and ₹75,000 for permanent disability for registered workers.
Dedicated ₹4 Lakh accidental death and disability cover for food delivery, courier, and e-commerce gig workers.
Financial assistance up to ₹2 Lakh for accidental death of farmers due to tractor accidents, snakebite, electrocution, or drowning.
Financial aid up to ₹10 Lakh for accidental death of registered sea-going fishermen during marine fishing operations.
Direct cash grant of ₹4 Lakh for accidental death and ₹2 Lakh for permanent disability of registered Sambal laborers.
100% state-funded ₹2 Lakh accidental death / disability compensation for all registered farmers in Maharashtra.
Workplace injury and accidental death coverage for apprentices undergoing on-the-job training in industrial establishments.
Lump sum compensation for machinery crush injuries, eye damage, and fatal workplace accidents.
Assistance of ₹4 Lakh for accidental death and ₹2 Lakh for permanent disablement for registered building workers.
Free 3-year personal accident cover of ₹2 Lakh provided to certified candidates under Pradhan Mantri Kaushal Vikas Yojana.
Official PMSBY registration and claim disbursement guide for AU Small Finance Bank account holders.
Official PMSBY registration and claim disbursement guide for Axis Bank (PSU PMSBY Tie-Up) account holders.
Official PMSBY registration and claim disbursement guide for Bank of Baroda (BOB) account holders.
Official PMSBY registration and claim disbursement guide for Bank of India account holders.
Official PMSBY registration and claim disbursement guide for Bank of Maharashtra account holders.
Official PMSBY registration and claim disbursement guide for Canara Bank account holders.
Official PMSBY registration and claim disbursement guide for Central Bank of India account holders.
Official PMSBY registration and claim disbursement guide for Equitas Small Finance Bank account holders.
Official PMSBY registration and claim disbursement guide for Federal Bank (PSU PMSBY Tie-Up) account holders.
Official PMSBY registration and claim disbursement guide for HDFC Bank (PSU PMSBY Tie-Up) account holders.
Official PMSBY registration and claim disbursement guide for ICICI Bank (PSU PMSBY Tie-Up) account holders.
Official PMSBY registration and claim disbursement guide for IDBI Bank (PSU PMSBY Partner) account holders.
Official PMSBY registration and claim disbursement guide for India Post Payments Bank (IPPB) account holders.
Official PMSBY registration and claim disbursement guide for Indian Bank account holders.
Official PMSBY registration and claim disbursement guide for Indian Overseas Bank (IOB) account holders.
Official PMSBY registration and claim disbursement guide for IndusInd Bank (PSU PMSBY Partner) account holders.
Official PMSBY registration and claim disbursement guide for Jana Small Finance Bank account holders.
Official PMSBY registration and claim disbursement guide for Kotak Mahindra Bank (PSU PMSBY Tie-Up) account holders.
Official PMSBY registration and claim disbursement guide for Punjab & Sind Bank account holders.
Official PMSBY registration and claim disbursement guide for Punjab National Bank (PNB) account holders.
Official PMSBY registration and claim disbursement guide for State Bank of India (SBI) account holders.
Official PMSBY registration and claim disbursement guide for UCO Bank account holders.
Official PMSBY registration and claim disbursement guide for Ujjivan Small Finance Bank account holders.
Official PMSBY registration and claim disbursement guide for Union Bank of India account holders.
Workplace accidental death and limb amputation cover for textile powerloom operators.
Central Government personal accident insurance providing ₹2 Lakh death/disability coverage for ₹20 per year.
Ex-gratia grant of ₹4 Lakh for accidental death and ₹2 Lakh for total permanent disability for registered construction workers.
Comprehensive personal accident protection for rural self-employment trainees during residential training programs.
Enhanced ₹10 Lakh accidental death and disability cover for all families registered under Chiranjeevi health scheme.
Statutory accidental insurance of ₹5 Lakh under Rajasthan Platform Based Gig Workers Welfare Act.
Statutory Supreme Court mandated ₹30 Lakh compensation for fatal sewer and hazardous septic cleaning accidents.
State welfare board compensation of ₹5 Lakh for accidental death at workplace or road transit for registered unorganized laborers.
State financial grant of ₹5 Lakh for accidental death of registered app-based delivery partners.
100% state-funded ₹5 Lakh compensation for death of registered pattadar farmer due to natural or accidental causes.
Comprehensive ex-gratia compensation of ₹5 Lakh for accidental death or permanent disability of farmers and sharecroppers in UP.
Compensation up to ₹4 Lakh for cloudburst, landslide, and vehicle accident fatalities on Char Dham routes.
Lump-sum compensation up to ₹2 Lakh for accidental death of unorganized transport workers and artisans.