Zero-premium insurance: Assam govt issued SOP for claims

Staff Reporter

Guwahati: In an initiative aimed at government employees' welfare, the Government of Assam has issued a Standard Operating Procedure (SOP) to help employees make claims under the zero-premium insurance scheme for its regular and permanent employees.

The Government of Assam has partnered with Axis Bank, Indian Bank, Punjab National Bank, State Bank of India, and Union Bank of India to provide zero-premium insurance coverage to all its regular and permanent employees. This new SOP is intended to assist the employees and/or their nominees in comprehending the steps involved in making a seamless insurance benefit claim.

Regarding the key features of the scheme, a minimum coverage of Rs 10 lakh is allowed for Term Life Insurance; death cover up to Rs 100 lakh in case of Personal Accidental Insurance; coverage up to Rs 100 lakh for Permanent Total Disability; Rs 80 lakh coverage for Permanent Partial Disability; minimum Rs 200 lakh cover for Air Accidental Insurance. Moreover, Health Insurance can be availed at a discounted premium, with the option of a self-paid policy.

To avail the benefit, the employee must have a salary account with one of the partner banks. If an employee opens a new salary account or transfers their salary account to a partner bank, their salary must be credited into the account for at least one month before they become eligible.

To file an insurance claim, the nominee must submit essential documents like a death certificate, FIR in case of accidental death, post-mortem report, medical board's report in case of disability, proof of identity, account details, and the last three months' bank statement. The claim documents must be submitted to the bank branch where the salary account is maintained within 60 days of the incident. If unable to submit within 60 days, the claim can still be submitted to the insurance provider within 90 days. The deadline may vary based on the bank's specific guidelines.

For any assistance in making claims, nominees of employees have been asked to approach the bank branch manager, nodal officer, treasury officer, or the Drawing and Disbursing Officer (DDO). In case of any dispute or delay, they may also approach the insurance ombudsman.

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