If you are a trader in Haryana, then understanding the personal accident insurance scheme is really important for your financial safety. In this guide, I will explain everything in simple words, like how it works, who can get benefit, and how you can claim money when needed. This scheme is actually very helpful but many people still don’t know properly about it.
Table of Contents
What is Personal Accident Insurance Scheme?
The personal accident insurance scheme launched by the Haryana government is specially made for GST registered traders. Under this scheme, traders get free accident insurance cover up to ₹5 lakh. Yes, you don’t need to pay anything for it.
It was started on 6 September 2019 by Haryana Government. Main aim of this personal accident insurance scheme is to give financial support to traders and their families in case of accidental death or permanent disability. Sometimes accidents happen suddenly, and this scheme helps in such difficult times.
One more good thing is that you don’t need to apply separately. If you are eligible, then you are already covered in this personal accident insurance scheme.
Scheme Overview (Simple Info)
Scheme Name: Chief Minister Traders Group Personal Accident Insurance Scheme
Launch Date: 06 September 2019
Department: Excise and Taxation Department Haryana
Beneficiaries: GST registered traders
Coverage: ₹5,00,000
Type: Free personal accident insurance scheme
This personal accident insurance scheme is mainly designed to reduce financial stress after accidents.
Key Benefits of Personal Accident Insurance Scheme
Now let’s talk about benefits, which is main reason people are interested in this personal accident insurance scheme.
Accidental Death: ₹5,00,000 is given to nominee
Permanent Disability: ₹5,00,000 support
Loss of both eyes or limbs: ₹5,00,000
Loss of one limb and one eye: ₹5,00,000
So basically, this personal accident insurance scheme gives full financial cover in serious accident cases.
Who Can Get Benefit?
Not every person can get benefit. Only specific traders are included in this personal accident insurance.
Eligible categories are:
Sole Proprietor (Owner of business)
Partnership Firm (any one partner)
Company (CEO)
HUF (Karta of family)
In case of death, money will be given to spouse or nominee. This makes this personal accident insurance very useful for family protection.
Eligibility Criteria
Before you think you are covered, just check these simple conditions for personal accident insurance:
You must be resident of Haryana
You must be GST registered trader
If you meet these, then you are automatically included in the personal accident insurance.
Documents Required for Claim
When accident happens, then you need to submit documents. For personal accident insurance, these are required:
Trader details
FIR copy
Postmortem report (in case of death)
Claim form (properly filled)
Death certificate
Medical report (for disability)
Nominee details
Bank account details
Without these, claim may get delayed in personal accident insurance.
Application Process (Very Easy)
Good thing about this personal accident insurance is that there is no registration process.
No form to fill before
No fees required
Automatic coverage for eligible traders
So you don’t need to worry about applying again and again for personal accident insurance.
Claim Procedure Step by Step
When accident happens, then follow these steps for personal accident insurance :
Submit claim to insurance company assigned by government
Fill claim form carefully
Attach all documents
Submit form to office
Verification will be done
After approval, ₹5 lakh will be transferred
This process is simple but documents should be correct for smooth approval in personal accident insurance.
Customer Support Details
If you face any issue related to personal accident insurance, you can contact:
Helpline: 0172-4112222
Helpline: 0172-2590981
Email: hoharyanatax@gmail.com
Support team will help you regarding claim or any doubt in personal accident insurance.
Why This Scheme is Important?
Many traders ignore insurance, but accidents can happen anytime. This personal accident insurance gives free security without any cost. It is really helpful for small traders who cannot afford private insurance.
Also, it supports family after unfortunate events. So every eligible person should know about this personal accident insurance properly.
FAQs – Personal Accident Insurance Scheme
It is a free government scheme that provides ₹5 lakh insurance cover to GST traders in case of accident.
No, you are automatically covered under personal accident insurance scheme if eligible.
Nominee or spouse will receive amount under this personal accident insurance scheme.
No, this personal accident insurance scheme is completely free.
Maximum ₹5 lakh is given under personal accident insurance scheme.
Your claim may get delayed or rejected in personal accident insurance scheme.
Important Links
Official Portal: Visit here
Contact Details: Check here