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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?
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MADBY Rajasthan: Overview
The Mukhyamantri Ayushman Durghatana Bima Yojna (MADBY) or Chief Minister Ayushman Accident Insurance Scheme is a Rajasthan government initiative which offers free accidental death and disability cover to all families enrolled under any of Rajasthan’s health schemes. The scheme aims to provide a financial safety net against unforeseen accidents.
The scheme is managed and operated through the State Insurance and Provident Fund (SIPF) Department. The benefits of MADBY are linked to the family's Jan Aadhaar Card, which must be up-to-date. In case of a claim, payment is made directly to the Jan Aadhaar–linked bank account.
Rajasthan’s Jan Aadhaar, launched in 2019, is a unique “One Number, One Card, One Identity” system that simplifies welfare delivery.
Each family gets a 10-digit Family ID, with every member having a linked Member ID. This single ID connects families to major schemes like MAAY, MADBY, pensions, scholarships, and ration benefits.
When a scheme is “linked to Jan Aadhaar,” it means eligibility, verification, and payments such as insurance claims are all authenticated and transferred directly to the Jan Aadhaar–linked bank account.
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).
- 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.
- 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:
- Intimation: Inform the SIPF Department about the accidental death or disability as soon as possible.
- Claim Filing: The claim application, along with all necessary documents (as listed above, including police reports, medical reports, etc.), must be filed.
- 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.
- Verification: The SIPF Department verifies the claim application and documents, including confirming the family's eligibility under MAAY.
- 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.
If you’re unsure which health insurance plan is right for you, book a free consultation with our experts for clear, personalized guidance tailored to your needs.
FAQs
How do I file a claim after an accident under MADBY Rajasthan?
To file a claim under the Mukhyamantri Ayushman Durghatana Bima Yojna, you must collect all relevant documents, including the FIR/Police Report, Death/Disability Certificate, and Jan Aadhaar Card. The claim application is submitted to the State Insurance and Provident Fund (SIPF) Department within the stipulated time frame (usually 30 days) from the date of the accident.
Is there a premium needed for MADBY Rajasthan?
There is no premium required for the Mukhyamantri Ayushman Durghatana Bima Yojna (MADBY) Rajasthan.
What types of accidents are covered under MADBY Rajasthan scheme?
The scheme generally covers accidental death and disability resulting from events such as road accidents, rail accidents, falling from a height, house collapse, etc. It does not cover death or disability due to natural causes, suicide, murder, diseases (like cancer, heart attack), or acts of war/nuclear disaster.
How much financial assistance is provided for disability under MADBY Rajasthan?
The financial assistance for permanent total disability ranges from ₹1.5 lakh to ₹3 lakh. ₹3 lakh is provided for the loss of both hands/feet/eyes or one hand/foot and one eye, while ₹1.5 lakh is for the loss of one hand, one foot, or one eye.
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