Mukhyamantri Ayushman Durghatna Bima Yojana: Check Plan & Benefits
MADBY, launched in 2022 by the Rajasthan government, provides free accident insurance cover of up to Rs 10 lakh to the insured family
Sept 7, 2026 - The Mukhyamantri Ayushman Durghatna Bima Yojana (MADBY), launched in 2022 by the Rajasthan government, provides free accident insurance cover of up to Rs 10 lakh to the insured family. The insurance covers death of the insured family member in an accident or permanent total loss of hands, legs or eyes in the accident listed under the scheme.
Insurance cover is provided to all those families who are insured under the health schemes run by the State Government such as Mukhyamantri Ayushman Swasthya Bima Yojana and Rajasthan Government Health Scheme.
Eligibility
- Eligible family members insured under Mukhyamantri Ayushman Swasthya Bima Yojana
- Families registered under RGHS
- Beneficiary should be a permanent resident of Rajasthan
- The family must have a valid Jan Aadhar card and all members' details should be linked
- Electricians who were born before January 1, 2004
Listed Accidents
- Death/damage caused by road accident, train accident and air accident
- Death/damage caused by the insured falling from height or falling of any object from height
- Death/damage due to house collapse
- Death/damage caused by electric shock
- Death/damage caused by spraying of chemical substances
- Death/damage due to drowning
- Death/damage caused by burning
Key Points
The scheme is operated through the State Insurance and Provident Fund Department.
Scheme is linked to Jan Aadhar card, hence only the head of the family mentioned in the Jan Aadhar card will be considered as head of the insured family.
Under this scheme, in case of accidental death/permanent total disability of any member of the insured family, the amount will be paid as per rules into the bank account of the head of the family which is linked to Jan Aadhaar.
Accident Benefits
- Death - Rs 5 lakh
- If more than one member of the family dies - Rs 10 lakh
- In case of complete loss of both limbs or both eyes; one hand and one leg; one hand and one eye; one leg and one eye (in case of separation/complete non-functioning of these organs) - Rs 3 lakh
- In case of complete loss of one hand/leg/eye in an accident (in case of separation/complete disability) - Rs 1.5 lakh
