Center for Health Market Innovations (CHMI)

Programs

Mukhyamantri Jibon Jyoti Bima Achoni Insurance

last updated Mar 18, 2013

Overview

Implementing organization: 
Department of Social Welfare, Government of Assam
Implementation Partner(s): 
NA
Legal Status: 
State/government
Year Launched: 
2005
Stage: 
Existing/expansion stage

Funding

Primary Source of Funding: 
Government
Funders: 
Government of Assam
Summary: 

In July 2005, the Government of Assam decided to implement the Mukhyomantri Jibon Jyoti Bima Achoni. This is a combined health insurance and personal accident insurance scheme for all citizens of the State of Assam whose names appear on the electoral list as in force when the claim is being made along with their dependents.

Key program components: 

The employees of the Central and State Government, Public sector and Private companies, all those who have an annual gross income before tax exceeding INR 200,000 are not entitled to the benefit for health and accident coverage. However, the employees of tea companies, who are engaged in cultivation and processing of tea in the State, are entitled to the benefit of the scheme both for health and personal accident coverage.

The scheme is implemented by the Government of Assam through a partnership with ICICI Lombard General Insurance Company and aims to provide health and accident risk insurance coverage to the entire population of 3 crore at a premium of INR 25 crore. The sum assured for each person is INR 50,000 in case of accidental death and INR 25,000 for any health-related eventuality. Settlements are made within 60 days.

From August 2005 till July 2006 there have been approximately 4205 beneficiaries and Rs.9 crore has been spent on compensation since the scheme was enforced.

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