Accident CoverGovt / PSU BackedJharkhandEst. 2019

Jharkhand Unorganized Worker Accidental Relief Fund

Financial assistance of ₹1.5 Lakh for accidental death and ₹75,000 for permanent disability for registered workers.

Sum Insured / Cover

₹2 Lakh – ₹5 Lakh Lump Sum Compensation

Annual Premium

100% Free / State Welfare Fund Funded

Claim Settlement

96.5% (Direct Welfare Board / DBT)

Network / Scope

All-India Empaneled

✦ Key Benefits & Policy Coverage

Financial assistance of ₹1.5 Lakh for accidental death and ₹75,000 for permanent disability for registered workers. Lump sum ex-gratia compensation paid directly to nominee bank account upon verification of accident panchnama.

What is Missing: Critical Policy Exclusions & Limitations

Eligo disclosure: Private insurance agents and official ads rarely mention these limitations. Verify before relying on this coverage.

Excludes natural deaths, suicide, or fatalities resulting from intoxication/drugs. Police FIR and Post-Mortem Report mandatory. Claim must be lodged within 90 to 180 days of accident.

✦ Eligibility Requirements

Workers and citizens meeting occupational or domicile criteria registered with statutory welfare board or verified by local authority.

✦ Application, Enrollment & Claims Process

1. Lodge Police FIR immediately after accident. 2. Submit claim application to District Labour Officer, Tehsildar, or Welfare Board. 3. Verify nominee Aadhaar and bank details for direct DBT transfer.

Official Government / PSU Portal

Apply or verify on the official administrative domain

Official Portal