Term Loan Scheme for Backward Classes 2026

The Sikkim Building and Other Construction Workers Welfare Board offers medical assistance of up to ₹10,000 to Read More... registered construction workers and their dependents for serious health issues. Read less

Details

If you are a construction worker registered with the Sikkim Building and Other Construction Workers Welfare Board, there's good news! The board offers a scheme to help you and your family cover medical expenses for serious diseases.

What Is This Scheme?

This scheme, called 'Medical Assistance for the Construction Worker', is designed to support registered construction workers in Sikkim. It helps with the costs of treating critical illnesses like Tuberculosis, Cancer, Heart Disease, Kidney Disease, Eye Disease, Leprosy, and Nerve Disease. This includes costs related to operations for conditions like heart or kidney problems.

Who Can Benefit From This Scheme?

The main beneficiaries are individuals who are registered as Building/Construction Workers with the Sikkim Building and Other Construction Workers Welfare Board. This includes both the registered worker and their dependents who might be suffering from the specified serious diseases.

Why This Scheme Is Important

Construction work can be physically demanding and sometimes risky. This scheme acts as a crucial safety net, ensuring that registered workers and their families don't face financial ruin when confronted with severe health conditions. It provides much-needed financial support for medical treatments, helping them focus on recovery rather than worrying about bills.

Objective

The Sikkim Building and Other Construction Workers Welfare Board offers medical assistance of up to ₹10,000 to registered construction workers and their dependents for serious health issues.

Benefits

Under the scheme, Nigam provides loans of up to ₹15,00,000/- at an annual interest rate of 6% to 8% to individuals from the Backward Classes to enhance their employability.

Sources and references

Scheme Details

Eligibility Criteria

To be eligible for this medical assistance, you need to meet these conditions:

For Registration as a Building/Construction Worker:
- You must be a resident of Sikkim.
- You must be actively working as a Building/Construction Worker.
- Your age should be between 18 and 60 years.
- You need to have worked for the Board for at least 90 days in a given year.
For Applying for Medical Assistance:
- You must be a registered member of the Sikkim Building and Other Construction Workers Welfare Board.
- You or your dependent must be suffering from one of the following diseases: T.B., Cancer, Heart Disease, Kidney Disease, Eye Disease, Leprosy, or Nerve Disease.
- If an operation is required for treatment of diseases like Heart Disease or Kidney Disease, specific criteria set by the Board will apply.

How To Apply

To apply for medical assistance, follow these steps:

You need to submit an application in Form XL.
Make sure to attach all the required supporting documents as specified by the Board.
Submit your application and documents within the timeframe announced by the Board.

Where to get Form XL:
You can get Form XL from the Board's office or download it from their official website: Official Link for Form XL

Documents Required

When you apply for registration as a worker or for the medical scheme, you'll need these documents:

For Registration as a Building/Construction Worker:

Your recent photographs.
An attested copy of your Proof of Age (like a birth certificate or Aadhaar card).
An attested copy of your Address Proof (like a domicile certificate or utility bill).
Details of the construction establishment where you are currently working.
Proof showing that you have paid the registration fees.

For Applying for the Welfare Scheme (Medical Assistance):

A letter from your concerned organization or establishment.
Your Identity Card issued by the Board.
A Medical Certificate confirming your diagnosis.

FAQ’s

Who is eligible to receive medical expense benefits under this scheme?

Registered beneficiaries and their dependents are eligible if they are diagnosed with T.B., Cancer, Heart Disease, Kidney Disease, Eye Disease, Leprosy, or Nerve Disease. For treatments involving operations for heart or kidney diseases, specific guidelines from the Board will be followed.

What is the financial aid provided for medical treatment?

The scheme provides financial assistance amounting to ₹10,000 for medical aid.

What is the age limit for registering as a construction worker?

To register as a building or construction worker, you must be between 18 and 60 years old.

How do I apply for the medical assistance benefit?

You should submit an application in Form XL along with the necessary supporting documents within the time limit set by the Board.

Can I get financial help for my dependents' treatment as well?

Yes, the financial assistance can be sanctioned for the treatment of both the registered beneficiary and their dependents who are suffering from the listed ailments.

Is there a minimum period of work required to register as a beneficiary?

Yes, you must have completed at least 90 days of work as a building/construction worker in the preceding 12 months to be eligible for registration.

Where can I get the application form for this scheme?

You can obtain Form XL from the Board's office or download it from the official website at https://labour.sikkim.gov.in/Uploads/Bocw/8F1D404A-3EC3-4DA9-A4D6-75880B26D191.pdf

Are there specific documents needed for the medical scheme application?

Yes, you will need to provide a letter from your employer, your Identity Card issued by the Board, and a valid Medical Certificate for your condition.

What diseases are covered under this medical assistance scheme?

The scheme covers medical expenses for serious illnesses such as T.B., Cancer, Heart Disease, Kidney Disease, Eye Disease, Leprosy, and Nerve Disease.

What is the contribution for the welfare fund?

Registered beneficiaries are required to contribute ₹20/- per month towards the fund, which should be remitted every 3 months.

What happens if I stop paying my contributions?

If you fail to pay your contributions continuously for one year, you will cease to be a beneficiary of the fund.

Can I reapply for membership if I default on contributions?

Yes, you can resume your membership by paying the arrears, but only with the permission of the Secretary of the board or an authorized officer. This is allowed a maximum of two times.

How is the record of registered beneficiaries maintained?

The Beneficiary Registering Officer maintains a district-wise register of all registered workers in Form XXX.

What is the fee for applying for a building worker engagement certification?

The application for building worker engagement certification requires a registration fee of ₹20/-. You need to submit documents proving its payment.

What documents are needed when registering as a construction worker?

For registration, you need your photographs, attested proof of age and address, details of your employer, and proof of payment of the registration fee.