Temporary Disability (Hospitalization) Relief Scheme 2026

This scheme provides essential insurance cover for powerloom weavers, protecting them against natural death, accidental death, and Read More... any partial or permanent disability resulting from an accident. Read less

Details

The Indian government offers a crucial support system for our hardworking powerloom weavers through the Group Insurance Scheme. Introduced to safeguard their well-being, this scheme is a collaboration with the Life Insurance Corporation (LIC) of India. It aims to provide a financial safety net for weavers and their families, ensuring peace of mind.

What Is This Scheme?

The Group Insurance Scheme for Powerloom Weavers is designed to offer financial security to individuals working in the powerloom sector. It started in July 2003 and was later revised in January 2008. The scheme covers unfortunate events like natural death, accidental death, and even partial or total permanent disability caused by an accident.

Who Can Benefit From This Scheme?

This scheme is specifically for powerloom weavers and workers. It extends to those involved in pre-weaving and preparatory activities like twisting, winding, warping, and sizing. Even self-employed weavers with a small setup of up to four looms can join.

Why This Scheme Is Important

The powerloom industry is a significant part of India's economy, and the weavers are its backbone. This scheme ensures that in the face of unexpected tragedies, their families receive financial assistance. It also supports the education of their children, helping them build a brighter future.

Objective

This scheme provides essential insurance cover for powerloom weavers, protecting them against natural death, accidental death, and any partial or permanent disability resulting from an accident.

Benefits

Financial Assistance of ₹3,000/- per month.

Sources and references

Guidelines

Eligibility Criteria

Weavers must be between 18 and 59 years of age.
Open to all powerloom workers and weavers, whether they are Below Poverty Line (BPL) or Above Poverty Line (APL).
Applicable to families engaged in weaving on powerlooms, as well as allied pre-weaving activities like twisting, winding, warping, and sizing.
Self-employed weaver families owning up to 4 looms are also eligible.
The scheme covers the beneficiary and their spouse; only one person from the family can be covered.
The insurance is valid for one year and can be renewed annually by paying the premium until the member reaches 59 years of age.

How To Apply

The scheme is implemented through the Office of the Textile Commissioner and the Life Insurance Corporation (LIC) of India. Regional Offices of the Textile Commissioner act as nodal agencies. They are responsible for guiding weavers, enrolling members, and helping with the application process. Please contact your nearest Regional Office of the Textile Commissioner for detailed information and to initiate the application.

Documents Required

Photo-Identity card
Proof of Age
Death Certificate (if applicable)
Police Complaint (FIR) (for accidents)
Post-Mortem Report (if applicable)
Medical Certificate (if applicable)
Discharge Certificate (in case of injury)
Self-Certification
Any other documents as required by the implementing agency

FAQ’s

What is the main goal of this insurance plan?

The primary goal is to offer insurance protection to powerloom weavers against natural deaths, accidental deaths, and any partial or complete permanent disability resulting from an accident.

Can workers involved in tasks before weaving join this scheme?

Yes, the scheme is inclusive of workers engaged in pre-weaving activities such as twisting, winding, warping, and sizing.

How is the term 'family' defined for this insurance scheme?

For the purpose of this scheme, 'family' refers to the main beneficiary and their spouse. Importantly, only one of them can be covered under the scheme.

What is the duration of coverage after paying the premium?

Once the premium is paid, the insurance coverage is valid for one year. Members have the option to continue this insurance every year by paying the premium, up to the age of 59.

Are there any benefits for children's education under this scheme?

Yes, there is an educational grant of ₹600 per child, per half-year, for up to two children. This applies to children studying in Classes IX to XII and can be claimed for a maximum of four years.

What happens if a child is held back in the same grade and misses out on the scholarship for that year?

If a student fails and is detained in the same standard, they will not be eligible for the scholarship for that specific standard in the following year.

Which government bodies and organizations are involved in running this scheme?

The scheme is jointly implemented by the Office of the Textile Commissioner and the Life Insurance Corporation (LIC) of India.

What responsibilities do the Textile Commissioner's Regional Offices have?

These offices act as the main point of contact. They are tasked with making workers aware of the scheme, enrolling members, and helping them with the application process.

What should a member do if they switch jobs or employment during the policy year?

If a member changes their employment status during the coverage period, they must inform the nodal agency about this change.

How are insurance claims paid out to the beneficiaries?

The LIC processes claims by issuing account payee cheques or directly transferring funds via NEFT/RTGS to the beneficiary. The nodal agency is also kept informed about these settlements.

Can a weaver re-join the scheme if they stop paying premiums for a period?

Yes, a member can rejoin the scheme by paying the necessary premium, even if there was a lapse in their earlier payments.

Is it possible to get a refund of the premium once it has been paid?

No, the premium paid for this scheme is non-refundable once it has been processed.

Who is eligible to sign up for this insurance program?

Any powerloom weaver aged between 18 and 59 years is eligible, regardless of whether they fall under the BPL or APL category.

Are self-employed weavers with a small number of looms eligible?

Yes, self-employed weaver families who own a maximum of four looms are also welcome to join the scheme.