The MP Patrakar Health and Accident Group Insurance Scheme was started by the Chief Minister of Madhya Pradesh, Shivraj Singh Chouhan. This scheme gives health and accident insurance benefits to journalists, photographers, and cameramen working in Madhya Pradesh. The state government offers this insurance coverage to help protect these professionals.
With this scheme, one person can cover themselves, their spouse, and dependent children under a single insurance policy. If you want to know how to apply, who is eligible, what documents you need, and other important details, keep reading until the end.
MP Patrakar Health and Accident Insurance Scheme 2025
This scheme provides health insurance coverage of ₹4 lakh or ₹2 lakh and accident insurance coverage of ₹10 lakh or ₹5 lakh for journalists, photographers, and cameramen in Madhya Pradesh. They can choose the amount based on their needs. Along with the individual, spouses or children can join the insurance by paying extra premium. The insurance coverage lasts for one year.
For communication representatives up to 60 years old, the government pays 75% of the annual premium, and for those aged 61 to 70 years, it pays 85% of the premium. This helps make the insurance more affordable for beneficiaries.
National Health Insurance Scheme
Details About MP Patrakar Health and Accident Group Insurance Scheme
| Scheme Name | Patrakar Health and Accident Group Insurance Scheme |
| Introduced By | CM Shivraj Singh Chouhan |
| Beneficiaries | State’s Journalists, Photographers, Cameramen |
| Objective | Providing Insurance Coverage |
| Application Mode | Online |
| Application Status | Currently Active |
| Official Website | https://mdindiaonline.com/mpgovt/LoginPage.aspx |
Purpose of the MP Patrakar Health and Accident Insurance Scheme
The main goal of this scheme is to provide personal health and accident insurance protection to journalists, photographers, and cameramen in Madhya Pradesh. This helps them get treatment for health issues without worrying about the cost. Note that dental treatment expenses will only be covered if related to an accident. This scheme offers financial support in case of illness or injury, helping protect their health and supporting the development of the state.
MP Chief Minister Employee Health Insurance Scheme
Main Features of MP Patrakar Health and Accident Insurance Scheme
- Covers all hospitalization medical expenses during the policy period.
- Policy covers inpatient treatment at hospitals within India.
- One person can cover themselves, their spouse, and dependent children under one policy by paying the extra premium.
- The policy can be renewed for life without any breaks.
- Pre-existing diseases are covered from the policy start date without any waiting period.
- No waiting period for diseases; 30-day and two-year waiting periods are waived.
- For major surgeries, insured persons of any age get 100% coverage of the claimed amount.
- Premium rates as per 2018-19 remain the same and are available on the public relations portal.
Special Features of MP Patrakar Health and Accident Insurance Scheme
- Includes non-priority category journalists as decided by the state government.
- Premium is shared equally; 50% by journalists and 50% by the Public Relations Department. This applies to daily newspapers and newspapers published weekly, fortnightly, or monthly, and includes two representatives each from electronic and web media.
- Representatives from regular newspapers registered with RNI are eligible.
- Cashless treatment is available at selected hospitals under the scheme, with insurance cards given to journalists.
- Existing insurance policies expire on 3 October 2024; previously insured journalists must apply by 30 September 2024. New policies start from 4 October 2024.
- Personal accident insurance covers death, total or partial disability caused by an accident.
Chief Minister Kalyani Marriage Assistance Scheme
Who Can Apply and Conditions for MP Patrakar Health and Accident Group Insurance Scheme
- Applicant must be a permanent resident of Madhya Pradesh.
- Communication representatives aged 21 to 70 are eligible, and previously insured journalists up to 80 years old can also apply.
- Spouse, children (up to three unmarried), and parents can be included by paying extra premium.
- Children up to 25 years of age are covered under this scheme.
- The policy only covers the main insured person, not other family members.
- Hospital stay of at least 24 hours is required except for certain specified diseases.
- Room, boarding, and nursing expenses are covered up to 2% of the insured amount.
- Dental treatment expenses are only covered if due to accidents.
- Hospital admission must be reported immediately to the insurance company or TPA.
- TPA handles claim-related work according to the policy.
- Cashless facility is available at listed network hospitals; reimbursement is provided for treatment at non-network hospitals.
Documents Needed for MP Patrakar Health and Accident Insurance Scheme
Priority Category Applicants:
- 12th marksheet / Aadhaar Card / Voter ID Card / PAN Card / Driving License
- Priority card copy or PPF slip copy
- Form 16
- Copy of old insurance card (if available)
Non-Priority Category Applicants:
- 12th marksheet / Aadhaar Card / Voter ID Card / PAN Card / Driving License
- Recommendation letter
- RNI Certificate
- Copy of old insurance card (if available)
How to Apply Online for MP Patrakar Health and Accident Group Insurance Scheme?
If you want to apply online for this scheme, follow these steps:
- Go to the official website at https://mdindiaonline.com/mpgovt/LoginPage.aspx.
- On the homepage, look for the “Nominate Yourself” section with two links: “Adhimanyata” (Priority) and “Gairadhimanyata” (Non-priority).
- Choose “Adhimanyata” to open the online form for the priority category. Fill in the details like name, institution, ADHIMANYATA No./PF No., address, Aadhaar number, birth date, mobile number, email, insured amount, nominee name, and relation.
- Upload all the required documents and click confirm to submit.
- Choose “Gairadhimanyata” for the non-priority category. Fill similar details and upload documents.
- After you complete and submit the form online, your registration for the scheme will be done.
Contact Information
- Rajesh Rawat, Administrative Officer, United India Insurance Company Bhopal – Phone: 0755-2492757, 7305015820
- Naveen Srivastava, Senior Divisional Manager, United India Insurance Company Bhopal – Phone: 0755-2555338, 9691851082
- Journalist Welfare Branch, Public Relations Directorate, Bhopal – Phone: 0755-4096320
- For insurance card and claim related info at MD India – Phone: 0755-4936991, Mobile: 9300101780