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Health & Wellness

Pradhan Mantri Garib Kalyan Package : Insurance Scheme For Health Workers Fighting COVID-19

The "Pradhan Mantri Garib Kalyan Package: Insurance Scheme for Health Workers Fighting COVID-19" by the Ministry of Health and Family Welfare, Government of India aims to offer financial protection to healthcare workers involved in COVID-19 duties.

Authority

Central

Region

Central Government

Status

Verified 2026

Updated

March 2026

What you get

- An insurance cover of ₹50,00,000/- will be provided in case of death or permanent disability due to COVID-19.

Who can apply

The applicant must be a healthcare worker, including doctors, nurses, paramedics, and support staff, who is directly involved in COVID-19 duties.; The applicant should be a citizen of India.; The applicant should have registered under a government health program and be working in a COVID-19-designated hospital or care facility.

Required Paperwork

  • Aadhaar Card
  • PAN Card
  • Income Certificate
  • Residence Proof (Domicile)

Common Questions

What does this Scheme cover?

This accident insurance scheme covers; Loss of life due to COVID19, and Accidental death on account of COVID-19 related duty.

What is the definition of Accident?

An accident is sudden, unforeseen and involuntary event caused by external, visible and violent means.

Who all are covered under the scheme?

- Public healthcare providers including community health workers, who may have to be in direct contact and care of COVID-19 patients and who may be at risk of being impacted by this. | - Private hospital staff and retired /volunteer /local urban bodies/ contracted /daily wage/ad-hoc/outsourced staff requisitioned by States/ Central hospitals/ autonomous hospitals of Central/ States/UTs, AIIMS and INIs/ hospital of Central Ministries can also be drafted for COVID 19 related responsibilities.

Who can be a volunteer under this scheme?

Volunteers are those who are drafted by the Government Official authorized by Central/State/ UT Government for care and may have come in direct contact of the COVID-19 patient

Who are ‘Private persons’ under this scheme?

Private persons are those who are engaged by both public & private health care institutions/organization through an agency and were deployed /drafted for care and may have come in direct contact of the COVID-19 patient (with the proof that the service of the agencies were engaged by the institution/organization).

When does insurance coverage policy begins and ends?

The duration of the policy is for a period of 90 days, starting from March 30, 2020.

Is there any age-limit for health workers under this scheme?

There's no age limit for this scheme.

Is individual enrolment required?

Individual enrolment is not required.

Whether an individual is required to pay any premium to be eligible under the scheme?

The entire amount of premium for this scheme is being borne by the Ministry of Health and Family Welfare, Government of India.

What is the benefit available to the insured persons?

INR 50,00,000/- will be paid to the claimant of the insured person