Rajiv Gandhi Pariwar Bima Yojana: The Rajiv Gandhi Pariwar Bima Yojana is a critical social welfare scheme introduced by the Government of Haryana to extend financial protection and relief to economically weaker families facing sudden crises due to the accidental death or permanent disability of a family member. The scheme offers compensation of up to ₹1 lakh, intended to serve as a safety net during difficult times, especially for families that rely on a single source of income.
This program reflects the state’s broader objective of providing a social safety cushion for underprivileged communities who lack access to life or accident insurance. The scheme is particularly significant in rural and semi-urban areas where many families are engaged in unorganized work sectors and are more vulnerable to occupational and accidental hazards.
By offering timely monetary aid, the scheme helps reduce financial instability, keeps children in school, covers immediate medical or household expenses, and helps families regain economic balance. Let’s explore the features, eligibility, benefits, and step-by-step application process of the scheme in detail.
Rajiv Gandhi Pariwar Bima Yojana
| Aspect | Details |
|---|---|
| Scheme Name | Rajiv Gandhi Pariwar Bima Yojana |
| Implementing Authority | Department of Social Justice and Empowerment, Government of Haryana |
| Compensation Offered | ₹1,00,000 for accidental death or total disability |
| Other Benefits | ₹50,000 or ₹25,000 depending on partial disability |
| Eligibility Age | 18 to 60 years |
| Annual Family Income Limit | Not exceeding ₹2.5 lakh per annum |
| Job Status | Not employed in government or semi-government service |
| Residency Requirement | Permanent resident of Haryana State |
| Application Mode | Offline through Block/District Welfare Offices or downloadable form |
| Official Website | http://pension.socialjusticehry.gov.in |
The Rajiv Gandhi Pariwar Bima Yojana is a commendable step toward ensuring social equity and financial security for Haryana’s underserved communities. It stands as a strong pillar in the state’s welfare architecture, bridging the gap for those who don’t have access to commercial insurance or support systems. By delivering direct aid to those in distress, it strengthens the government’s goal of a more inclusive and humane society.
If you or someone in your village or neighborhood has suffered from an unfortunate accident, share this information. Awareness is key, and timely action can mean the difference between despair and a fresh start.
What is Rajiv Gandhi Pariwar Bima Yojana?
The Rajiv Gandhi Pariwar Bima Yojana (RGPBY) is a state-sponsored social insurance scheme designed to provide a financial cushion to low-income households in Haryana. The initiative targets those who are often excluded from private insurance schemes or formal financial protection due to low income or lack of awareness.
When the primary earning member of a family dies in an accident or suffers a permanent physical disability (such as losing a limb or sight), the scheme steps in to reduce the economic hardship. The government provides lump sum financial assistance based on the severity of the incident. This direct assistance can prove life-saving for families with no other backup or savings.
Unlike commercial insurance, there is no premium or enrollment cost to be paid. Eligible families can simply submit an application post-incident along with supporting documents.
Who Can Benefit? Eligibility Explained
To be eligible for the scheme, the following conditions must be fulfilled:
Age Requirement:
- Beneficiaries must fall in the 18–60 year age group at the time of the incident.
Residency Requirement:
- The applicant must be a permanent domicile of Haryana and produce valid proof.
Financial & Occupational Eligibility:
- Family income should be ₹2.5 lakh or less annually.
- The deceased or disabled person must not be a government or semi-government employee.
- The family should not pay income tax, i.e., should fall under the non-taxpayer category.
Identity Proof:
- Must hold at least one government-issued ID: Aadhaar, Voter ID, or Ration Card.
These eligibility filters ensure that the scheme reaches only those most in need.
Benefits: What Does the Scheme Provide?
Under this scheme, compensation depends on the type and severity of the incident:
| Nature of Incident | Compensation Amount |
|---|---|
| Accidental Death or Permanent Total Disability | ₹1,00,000 |
| Loss of Both Eyes or Two Limbs, or One Eye and One Limb | ₹50,000 |
| Loss of One Eye or One Limb | ₹25,000 |
This compensation is provided as a one-time, non-repayable financial grant and is credited directly to the beneficiary’s bank account.
Application Process Rajiv Gandhi Pariwar Bima Yojana Guide
The scheme has been kept deliberately simple and paperwork-light to enable rural families to access it without legal or bureaucratic barriers.
- Obtain Application Form:
- Visit your Block Development Office (BDO) or District Social Welfare Office (DSWO).
- Or download the form from the official portal: pension.socialjusticehry.gov.in
- Complete the Form: Include,
- Name and details of deceased or disabled person
- Description of the incident (date, location, accident type)
- Applicant’s relationship to victim
- Nominee bank account details
- Attach Required Documents:
- Copy of FIR or accident report (if available)
- Death certificate or disability certificate from a government hospital
- Income certificate issued by Tehsildar
- Aadhaar Card / Voter ID / Ration Card
- Bank passbook (for account number and IFSC code)
- Submit the Form:
- Visit the nearest welfare office and submit your application.
- Don’t forget to collect an acknowledgment receipt.
- Await Verification and Approval:
- The Social Welfare Officer will verify details and forward your claim.
- Upon approval, funds are transferred via Direct Benefit Transfer (DBT) to the beneficiary’s account.
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Impact Stories: Real Lives Changed
Ramesh Kumar, a rickshaw puller in Hisar, passed away in a road accident. His wife was unaware of any compensation mechanism. After a local social worker guided her, she applied under the RGPBY and received ₹1 lakh within 50 days. This amount helped her sustain the family and ensured her children stayed in school.
In Yamunanagar, Meena Devi, whose husband lost both legs in a workplace fall, received ₹50,000. It helped fund his rehabilitation and buy a wheelchair.
Such stories underline how effective the scheme can be when implemented and accessed efficiently.
Additional Advantages of the Scheme
- No middlemen or insurance premium required.
- Helps reduce school dropout rates among children of accident victims.
- Encourages families to register for other government welfare programs.
- Raises awareness about public sector safety nets.
Avoid These Common Mistakes
- Late application (beyond 90 days of incident)
- Submitting incomplete documents
- Bank details that don’t match Aadhaar records
- Not following up with local offices for verification updates
Always verify your documentation before submission to avoid unnecessary delays.
FAQs On Rajiv Gandhi Pariwar Bima Yojana
Q1: Is there any registration fee or premium?
A: No. The scheme is entirely free for eligible families.
Q2: Can a family apply multiple times if two members are affected?
A: Yes, as long as each case meets the eligibility and documentation requirements.
Q3: Can I apply online?
A: Currently, the process is mostly offline, but forms can be downloaded online.
Q4: Who can I contact if my claim is delayed?
A: Reach out to your District Social Welfare Officer or use the contact page on the official website.
Q5: Can a widow or child of the deceased apply?
A: Yes. The immediate family member (spouse or major child) can apply as the nominee.
