Introduction Mukhyamantri Haryana Karamchari Durghatna Bima Yojana (MMHKDBY) is a social security insurance scheme implemented by the Haryana Parivar Suraksha Nyas (HPSN) under the Finance Department, Government of Haryana. The scheme provides accident insurance coverage to identified high-risk Group C and Group D government employees, including firemen, sewer workers, linemen, assistant linemen, and sanitation workers engaged in essential public services. The scheme offers financial protection to employees and their families in cases of accidental death or permanent disability arising during service. Eligible high-risk government employees receive insurance coverage of up to ₹10 lakh, while sanitation workers in urban and rural areas are covered for up to ₹5 lakh. The entire insurance premium is paid by HPSN, ensuring automatic coverage without requiring employees to submit separate applications or pay any premium. Benefits Accident insurance coverage for eligible government employees. Insurance benefit of ₹10 lakh for identified high-risk Group C and Group D employees. Insurance coverage of ₹5 lakh for sanitation workers. Coverage available for accidental death and permanent disability. No premium payment required from employees. Premium is fully borne by Haryana Parivar Suraksha Nyas (HPSN). Automatic coverage for eligible employees. Applicable to both regular and contractual sanitation workers. Financial security for legal heirs and family members. Claim settlement processed as per insurance policy guidelines. Eligibility Applicant must be a government employee working in Haryana. Employee should belong to an identified high-risk Group C or Group D category. Firemen, sewer workers, linemen, assistant linemen, and similar notified employees are eligible. Government sanitation workers working in urban or rural areas are covered. Both regular and contractual sanitation workers are eligible. Accident must occur during the policy coverage period. Benefits are payable subject to policy terms and conditions. Claim must be filed by the eligible nominee or legal heir in applicable cases. Documents Duly filled claim form. Aadhaar Card of claimant. Residence Certificate. Government Employee Identity Proof. Death Certificate (in case of death). Disability Certificate or Medical Certificate (if applicable). Post-Mortem Report. FIR or Police Report. Proof of Legal Heirship/Nominee Details. Bank Account Passbook or Bank Details. Mobile Number. Any additional documents required by the insurer. Process to Apply No separate registration is required under the scheme. Eligible employees are automatically covered under the insurance policy. In case of an accident, inform the concerned department and insurance authority immediately. Obtain and complete the prescribed claim form. Attach all required supporting documents. Submit the claim through the concerned authority or designated channel. For accidental death claims, intimation should be given before the funeral or within one month. Insurance company verifies submitted documents and claim details. Approved claims are settled in favor of the nominee or legal heir as per policy provisions. Compensation amount is transferred to the beneficiary's bank account. Important Links and Contact Haryana Parivar Suraksha Nyas (HPSN) Finance Department, Government of Haryana Mukhyamantri Haryana Karamchari Durghatna Bima Yojana Details HPSN Contact Directory Helpline: Available through Haryana Parivar Suraksha Nyas (HPSN) Email: Contact through the official HPSN portal Department: Haryana Parivar Suraksha Nyas (HPSN), Finance Department, Government of Haryana FAQs Q1. What is Mukhyamantri Haryana Karamchari Durghatna Bima Yojana?It is an accident insurance scheme that provides financial assistance to eligible Haryana government employees and their families in cases of accidental death or disability. Q2. Who is covered under the scheme?Identified high-risk Group C and Group D employees, along with sanitation workers in Haryana, are covered under the scheme. Q3. What insurance coverage is provided to high-risk employees?Eligible high-risk Group C and Group D employees receive accident insurance coverage of up to ₹10 lakh. Q4. What insurance coverage is available for sanitation workers?Sanitation workers are covered for accident insurance benefits of up to ₹5 lakh. Q5. Is any premium required to be paid by employees?No, the entire insurance premium is paid by Haryana Parivar Suraksha Nyas (HPSN). Q6. Is separate registration required under the scheme?No, eligible employees are automatically covered without any separate application process. Q7. Who receives the benefit in case of accidental death?The insurance amount is paid to the nominee, legal heir, or authorized beneficiary as per policy provisions. Q8. Does the scheme cover contractual sanitation workers?Yes, both regular and contractual sanitation workers are covered under the scheme. Q9. What documents are required for claim settlement?Documents such as a claim form, death certificate, FIR, post-mortem report, bank details, and legal heir proof may be required. Q10. How long does claim settlement usually take?The insurance company generally processes eligible claims after receiving complete documentation as per applicable policy guidelines.