Telangana Govt Extends ₹1.20-Crore Accident Insurance Cover to Employees, Pensioners

In Short

Replying to a question in the Assembly, Bhatti said the scheme was the first of its kind in the country and was introduced with the humanitarian objective of providing financial security to the families of employees in the unfortunate event of their death.

Telangana Govt Extends ₹1.20-Crore Accident Insurance Cover to Employees, Pensioners
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Telangana Govt Extends ₹1.20-Crore Accident Insurance Cover to Employees, Pensioners

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Hyderabad: Telangana is the only State in the country to provide a ₹1-crore insurance scheme for State government employees, contract and outsourcing personnel and pensioners, Deputy Chief Minister Mallu Bhatti Vikramarka said.

Replying to a question in the Assembly, Bhatti said the scheme was the first of its kind in the country and was introduced with the humanitarian objective of providing financial security to the families of employees in the unfortunate event of their death.

The scheme covers regular State government employees, pensioners and contract and outsourcing personnel, subject to the terms and conditions of the participating banks and the MoU signed with the government.

According to the Telangana Government’s 2026-27 Budget, the comprehensive accident insurance scheme covers about 7.57 lakh government employees and pensioners. The key benefit is accident insurance coverage of up to ₹1.20 crore in the event of accidental death.

In addition, employees and pensioners are provided ₹10 lakh term-life insurance cover up to the age of 60, according to the Budget document.

Bhatti said the scheme was designed to ensure that the families of employees do not face financial hardship or destitution following the death of an earning member. He said 16 banks were participating in the scheme and that it imposed no financial burden either on the government or the employees.

A total of 1,291,056 individuals in the State fall under the ambit of the scheme. Of these, 518,293 are regular employees. Another 500,158 comprise temporary, outsourcing and multi-purpose workers, besides contract, daily-wage, NREGS, MTS and SERP personnel. The scheme also covers 272,600 pensioners and family pensioners.

Vikramarka said the ₹1-crore insurance scheme was first launched for employees of Singareni Collieries Company Limited. It was subsequently extended to employees of DISCOMs under the Energy Department and other organisations before being expanded to cover government employees across the State.

He said steps had been taken to ensure a total benefit of up to ₹1.20 crore for the family of an employee who dies in an accident, including ₹1 crore in insurance coverage along with other benefits. Insurance coverage of up to ₹2 crore is available in the event of an accident during air travel, he added.

He also said there was a provision for benefits of up to ₹10 lakh in cases of natural death.

Bhatti said the Central Government had studied Telangana’s accident insurance scheme and that several other States had shown interest in examining the model. Tamil Nadu, he added, had also implemented a similar scheme.

The Deputy Chief Minister also announced the introduction of a health card scheme for government employees and pensioners, saying the government had fulfilled the long-standing demand of employee unions for cashless medical services.

He said cashless medical treatment and CGHS packages had been made available under the scheme.

Approximately ₹240 crore had already been allocated for the health card scheme, he said.

A Journey of Three Decades Time passes faster than we realise. What feels like a journey that began only yesterday has today grown into more than three decades of a meaningful and fulfilling life devoted to education, journalism, and the empowerment of young minds. My professional journey began with journalism training in New Delhi in 1979. I went on to work as an independent journalist, drawing on my fluency in both English and Telugu. Over the years, I have edited and worked on Telugu articles in both languages, an experience that strengthened my command of language and sharpened my understanding of society, people, and contemporary issues. Yet, my principal profession and enduring passion have always been teaching. My decision to become a teacher was not merely a career choice—it was a calling. Teaching offered me the rare privilege of inspiring young minds, guiding them through their formative years, and making a lasting difference in their lives. I found immense satisfaction in simplifying complex concepts, nurturing curiosity, encouraging independent thought, and building confidence among students. Every moment in the classroom—every question, every moment of discovery, and every spark of understanding—reminded me why I had chosen this path: to empower young people through knowledge, values, and essential life skills. My teaching career began at the grassroots level as a Montessori teacher and gradually progressed to the position of Vice Principal. I had the opportunity to work in reputed educational institutions, including Dilsukhnagar Public School in Hyderabad, where I shouldered both teaching and administrative responsibilities. Although I have always considered myself, at heart, a teacher, my administrative experience enabled me to understand and contribute to the education system from a much broader perspective. For my students, I have always tried to be an approachable and dependable presence—someone they could turn to not only for academic support, but also for guidance and emotional encouragement. At the same time, I developed a reputation as a firm disciplinarian who believed that integrity, fairness, responsibility, and discipline were fundamental to education. I was also consistently appreciated for maintaining clear communication with parents and staff and for ensuring that examinations and other academic processes were conducted with transparency, fairness, and efficiency. As my career progressed, however, I began to feel that academic education alone was not enough. This realization led me to work more closely with students following the SSC and CBSE curricula, while consciously bringing life-skills education into my teaching. I came to understand that education becomes truly meaningful when it prepares children not merely to pass examinations, but to face life. Teaching emotional resilience, self-reliance, social awareness, communication, decision-making, and other practical life skills often had a deeper and more lasting impact than academic achievement alone. I saw how these skills could help students navigate challenges with greater confidence, maturity, and responsibility. My academic background provided a strong foundation for this approach. My degree in Psychology from the University of Madras helped me develop a deeper understanding of young people's minds, their emotional needs, and the influence of their family and social environments. My M.A. in Telugu with First Class from Osmania University.

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