Mukhyamantri Ayushman Durghatana Bima Yojna (MADBY) Rajasthan: A Complete Guide

Life’s biggest financial blows often come from the unexpected, like an accident that disrupts a family’s stability overnight. While health insurance helps with illnesses, sudden tragedies resulting in death or permanent disability can leave families vulnerable.

Recognizing this crucial need, the Government of Rajasthan introduced the Mukhyamantri Ayushman Durghatana Bima Yojna (MADBY Rajasthan). MADBY Rajasthan ensures that in times of crisis, households have the assistance they need to recover and rebuild. 

In this comprehensive guide, we explain:

• What is MADBY?
• Who is eligible for MADBY?
• The documents required to apply for MADBY?
• How to claim benefits under MADBY?

Key features of Mukhyamantri Ayushman Durghatana Bima Yojna

Accidental Coverage

Provides coverage for accidental death and specific types of accidental permanent disability.

No Additional Premium

The accidental insurance cover is provided free of cost to all families already registered under the Mukhyamantri Ayushman Aarogya Yojana (MAAY).

High Sum Insured

It offers a cover of up to ₹10 lakh per insured family per year for accidental claims.

Payout Structure

The financial assistance varies based on the severity of the accident:

• Death of one family member: ₹5 lakh
• Death of more than one family member: ₹10 lakh
• Permanent total disability (loss of both hands, both feet, both eyes, or one hand/foot and one eye): ₹3 lakh
• Permanent total disability (loss of one hand, one foot, or one eye): ₹1.5 lakh

Eligibility Criteria for MADBY Rajasthan 

The primary eligibility criterion for the Mukhyamantri Ayushman Durghatana Bima Yojna is registration under the Mukhyamantri Ayushman Aarogya Yojana (MAAY).

• Families insured under Mukhyamantri Ayushman Aarogya Yojana (MAAY)
• RGHS-registered families
• Employees of the State Electricity Department/Board (even those appointed before 01 January 2004) and their families are also covered under the scheme. (Learn more)

Documents Required for MADBY Rajasthan

The required documents for filing a claim may include:

• Jan Aadhaar Card/Number of the insured family.
• Death Certificate (in case of death).
• Disability Certificate issued by the competent medical board/authority (in case of disability).
• Post-mortem Report or Death Summary from the hospital (in case of death).
• FIR/Roznamcha/Marg Report (Police Report) related to the accident.
• Hospital Report detailing the treatment.
• Diagnostic Reports (if applicable).
• Application Form for the claim (available on the official SIPF portal).
• A photocopy of the beneficiary’s bank passbook or a cancelled cheque (to verify account details for direct electronic transfer of the claim amount).

How to Apply for MADBY Rajasthan?

Families do not need to apply separately for the Mukhyamantri Ayushman Durghatana Bima Yojna (MADBY).

1. Enroll in MAAY: The crucial step is to be registered under the Mukhyamantri Ayushman Aarogya Yojana (MAAY). This is done via:
   • Online Registration: Using the beneficiary's SSO ID on the scheme's official registration portal.
   • e-Mitra Center: Visiting the nearest e-Mitra center for registration.Find your nearest e-Mitra center using the official Kiosk Locator on the e-Mitra MIS Portal.
2. Automatic Coverage: Once a family is successfully registered under MAAY and holds an active Jan Aadhaar Card, they are automatically included in the Mukhyamantri Ayushman Durghatana Bima Yojna (MADBY) and receive the accidental insurance cover.

MADBY Rajasthan: Claim Process

The claim process under MADBY Rajasthan is similar to the process followed by private insurers. Steps include:

1. Intimation: Inform the SIPF Department about the accidental death or disability as soon as possible.
2. Claim Filing: The claim application, along with all necessary documents (as listed above, including police reports, medical reports, etc.), must be filed.
3. Submission Timeline: The claim must typically be submitted within 30 days, extendable to 60 days with reasons. Best practice: file ASAP and treat 30 days as the safe window.
4. Verification: The SIPF Department verifies the claim application and documents, including confirming the family's eligibility under MAAY.
5. Claim Settlement: Upon successful verification, the due financial assistance amount is transferred to the beneficiary's bank account.

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Conclusion

The MADBY Rajasthan is a vital scheme by the Rajasthan government. It provides a much-needed layer of financial security against accidental fatalities and major disabilities. All families enrolled under Rajasthan’s health schemes are automatically covered. MADBY Rajasthan also covers accidents that occur outside the state, provided the family is already enrolled under MAAY or any of Rajasthan’s health schemes. 

If you have the financial flexibility, you could consider opting for private health insurance, which covers all accidents from day one and offers wider protection for other health issues. To provide your dependents with a significant financial safety net, you might also explore term insurance with a disability rider.