Telangana Employees Accident Insurance Scheme is a welfare scheme introduced by the Government of Telangana through the Finance Department to provide financial protection to government employees and pensioners against accidental loss of life. Under the scheme, eligible beneficiaries receive accident insurance coverage of up to Rs. 1.20 crore, air accident insurance coverage of up to Rs. 2 crore, and a Rs. 10 lakh term life insurance cover up to the age of 60 years, without paying any premium. The scheme provides automatic insurance coverage to over 7.57 lakh government employees and pensioners across Telangana.
Telangana Employees Accident Insurance Scheme Key Details at a Glance | |
|---|---|
| Scheme Name | Employees Accident Insurance Scheme |
| Implementing Department | Finance Department, Government of Telangana |
| Cabinet Approval | 23 February 2026 |
| Announced In | Telangana Budget 2026-27 (20 March 2026) |
| Announced By | Deputy Chief Minister and Finance Minister Mallu Bhatti Vikramarka |
| Objective | Provide accident insurance and term life insurance coverage to eligible government employees and pensioners at no cost. |
| Accidental Death Benefit | Rs. 1.20 crore |
| Air Accident Death Benefit | Rs. 2 crore |
| Term Life Insurance Cover | Rs. 10 lakh up to 60 years of age |
| Premium | Fully paid by the Government of Telangana |
| Total Beneficiaries | Over 7.57 lakh government employees and pensioners |
| Application Mode | Automatic coverage; no separate application required |
Introduction of Employees Accident Insurance Scheme: A Brief Insight
An unexpected accident can leave a government employee’s family facing serious financial hardship. To provide immediate financial protection in such situations, the Government of Telangana introduced the Employees Accident Insurance Scheme for its employees and pensioners.
The Telangana Cabinet, chaired by Chief Minister A. Revanth Reddy, approved the scheme on 23 February 2026, and Deputy Chief Minister and Finance Minister Mallu Bhatti Vikramarka announced it in the Telangana Budget 2026-27. The Finance Department, Government of Telangana is responsible for implementing the scheme.
The scheme provides financial security to eligible government employees and pensioners by offering accident insurance benefits without charging any premium. It also includes a term life insurance cover to strengthen financial protection for employees and their families.
Under the scheme, the nominee of an eligible employee or pensioner who dies in an accident receives an insurance benefit of up to Rs. 1.20 crore. In the event of death due to an air accident, the insurance cover increases to Rs. 2 crore. In addition, eligible employees receive a Rs. 10 lakh term life insurance cover up to the age of 60 years.
The scheme automatically covers eligible serving government employees, pensioners, and notified contract or outsourcing personnel whose service records are maintained by the Government of Telangana. Beneficiaries do not need to submit a separate application or pay any premium to receive insurance coverage.
In the event of an eligible claim, the nominee or family member should inform the concerned department and submit the required documents, such as the death certificate and accident-related records, to initiate the claim process through the designated authorities.
According to the Government of Telangana, the scheme provides insurance protection to over 7.57 lakh government employees and pensioners across the State.
Employees seeking additional healthcare benefits may also explore the New Employees Health Insurance Scheme in which cashless treatment in government and empanelled hospitals will be provided.
Readers can also explore other welfare initiatives available for government employees and citizens by visiting our Telangana Government Welfare Schemes section.
Benefits Provided to Eligible Beneficiaries
The Employees Accident Insurance Scheme provides financial protection to eligible government employees and pensioners by offering comprehensive insurance coverage without requiring them to pay any premium.
- Provides accident insurance coverage of up to Rs. 1.20 crore in case of accidental death.
- Provides insurance coverage of up to Rs. 2 crore if death occurs due to an air accident.
- Offers a Rs. 10 lakh term life insurance cover to eligible employees up to the age of 60 years.
- Employees and pensioners do not have to pay any premium, as the insurance coverage is provided under the scheme at no direct cost to them.
- Provides automatic insurance coverage to over 7.57 lakh government employees and pensioners across Telangana.
- Ensures financial assistance reaches the nominee or eligible family members in accordance with the scheme guidelines.
Eligibility Conditions Required to be Fulfilled
The Employees Accident Insurance Scheme provides automatic insurance coverage to eligible government employees and pensioners. Beneficiaries are not required to submit a separate application to become eligible under the scheme.
- Applicant must be a serving Government of Telangana employee or a pensioner.
- Eligible regular government employees are covered under the scheme.
- Eligible contract, outsourcing, and other notified personnel whose salary is processed through the Government of Telangana records are also covered.
- Insurance coverage is provided automatically based on the employee’s or pensioner’s official service records.
- No separate registration or enrollment is required to avail the insurance coverage.
Documents Required to be Attached
The Employees Accident Insurance Scheme provides automatic insurance coverage to eligible government employees and pensioners based on their official service records. No documents are required to enrol under the scheme. However, the nominee or eligible family member must submit certain documents while filing an insurance claim.
- Death Certificate of the deceased employee or pensioner
- Accident report, FIR, or other relevant records, wherever applicable
- Identity proof of the nominee or claimant
- Bank account details of the nominee or claimant for claim settlement
- Any other documents requested by the concerned department or insurance provider during claim verification
Important: Government employees and pensioners are not required to submit any documents to receive insurance coverage under this scheme. The above documents are required only when the nominee or eligible family member submits an insurance claim.
How Beneficiaries Can Apply to Avail the Benefit of this Scheme
The Employees Accident Insurance Scheme does not require any separate online or offline application. Eligible government employees and pensioners are automatically covered based on their official service or pension records maintained by the Government of Telangana.
Step 1: The Government of Telangana identifies eligible employees and pensioners through their official service and pension records.
Step 2: Eligible beneficiaries are automatically enrolled under the scheme without submitting any application form or paying any premium.
Step 3: In the event of an eligible accident-related claim, the nominee or eligible family member should inform the concerned department and submit the prescribed claim documents.
Step 4: The concerned department verifies the service records and claim documents before forwarding the claim to the designated bank or insurance provider for further processing.
Step 5: After successful verification and approval, the admissible insurance benefit is released to the nominee or eligible claimant in accordance with the scheme guidelines.
Important: Eligible employees and pensioners are not required to register, submit an enrollment form, or pay any premium to receive insurance coverage under the scheme. Insurance protection is provided automatically based on the Government of Telangana’s official records.
Claim Process to Avail Benefit After an Accident
The Employees Accident Insurance Scheme provides automatic insurance coverage to eligible government employees and pensioners. In the event of an eligible accident-related claim, the nominee or eligible family member should follow the prescribed claim process through the concerned government department.
Step 1: Inform the concerned government department or office about the accidental death of the employee or pensioner.
Step 2: Submit the required claim documents, such as the death certificate, accident-related records (where applicable), identity proof of the nominee, and other documents requested by the concerned authorities.
Step 3: The concerned department verifies the employee’s or pensioner’s service records, eligibility, and the submitted claim documents.
Step 4: After verification, the department forwards the claim to the designated bank or insurance provider for further processing, wherever applicable.
Step 5: Once the claim is approved, the admissible insurance benefit is released to the nominee or eligible claimant as per the scheme guidelines.
Important: Nominees should ensure that the employee’s service and nomination records remain updated with the concerned department, as this may help facilitate the claim process.
Difference Between Accident Insurance Scheme and New Employees Health Scheme
Accident Insurance Scheme vs New Employees Health Scheme | ||
|---|---|---|
| Point of Difference | Accident Insurance Scheme | New Employees Health Scheme |
| What it Covers | Accidental death, air accident death, and disability | Hospitalisation and medical treatment costs |
| When it Pays Out | Only after an accident or death occurs | Every time the employee or family needs treatment |
| Type of Benefit | One-time lump-sum payout to the family | Direct payment or reimbursement of hospital bills |
| Who Receives the Benefit | Nominee or legal heir of the employee | Employee or dependent family member undergoing treatment |
| Frequency of Use | One-time benefit, used only in case of accident | Can be used multiple times throughout the year |
| Cost to Employee | Zero premium | Zero premium |
Accident Insurance Scheme protects the family financially after an accident, while the New Employees Health Scheme takes care of day-to-day medical needs, so employees benefit from both running side by side.
Important Links Available
Contact Details in Case of Help Needed
- Finance Department, Government of Telangana, Secretariat, Hyderabad
- Principal Secretary (Finance), Phone: 040-23452641, 040-23450045
- Email: prlsecy_fin[at]telangana[dot]gov[dot]in
- Employees and pensioners can also contact their respective department’s DDO or establishment section for scheme-related queries
Frequently Asked Questions (FAQs)
Q. What is the Employees’ Accident Insurance Scheme?
Ans. The Employees Accident Insurance Scheme is a welfare initiative of the Government of Telangana that provides accident insurance coverage to eligible government employees and pensioners without requiring them to pay any premium.
Q. When was the scheme approved?
Ans. The Telangana State Cabinet approved the scheme on 23 February 2026, and it was announced in the Telangana Budget 2026-27 by the Deputy Chief Minister and Finance Minister.
Q. What insurance benefit is available under the scheme?
Ans. The scheme provides accident insurance coverage of up to Rs. 1.20 crore. In the event of death due to an air accident, the insurance cover increases to Rs. 2 crore.
Q. Does the scheme also provide life insurance?
Ans. Yes. Eligible employees are also covered by a Rs. 10 lakh term life insurance benefit up to the age of 60 years, subject to the scheme provisions.
Q. Do employees or pensioners have to pay any premium?
Ans. No. Eligible beneficiaries receive insurance coverage under the scheme without paying any premium.
Q. Who is eligible for the scheme?
Ans. Eligible Government of Telangana employees, pensioners, and other notified personnel covered under the scheme are automatically enrolled based on their official service or pension records.
Q. How many beneficiaries are covered under the scheme?
Ans. According to the Government of Telangana, the scheme provides insurance coverage to over 7.57 lakh government employees and pensioners.
Q. Is a separate application required to join the scheme?
Ans. No. Eligible employees and pensioners are covered automatically based on their official service or pension records. No separate enrollment is required.
Q. How can the nominee claim the insurance benefit?
Ans. The nominee or eligible family member should inform the concerned department and submit the prescribed claim documents. After verification, the claim is processed in accordance with the scheme guidelines.
Q. Whom should beneficiaries contact for assistance?
Ans. Beneficiaries should first contact the Drawing and Disbursing Officer (DDO) or the Establishment Section of their respective department. They may also contact the Finance Department, Government of Telangana, for further information.
Tabassum is a government schemes researcher and writer with 5 years of experience tracking Central and State welfare scheme programmes across India. She has covered 500+ schemes spanning agriculture, women welfare, education, and housing, helping lakhs of beneficiaries understand their entitlements in simple language.