Context
The Supreme Court of India held that doctors (public and private) deputed for COVID-19 duties are eligible for insurance benefits under PMGKY, reiterating State obligation to honour sacrifices of health workers during the pandemic.
About PMGKY
- Launched: March 2020
- Type: Central Government relief package (non-scheme umbrella)
- Administered by: Ministry of Health and Family Welfare (MoHFW)
- Insurer: New India Assurance Company (on behalf of GoI)
Coverage Details
| Parameter | Detail |
| Beneficiaries | Public & private healthcare providers |
| Nature of Cover | Personal Accident Insurance |
| Insurance Amount | ₹50 lakh |
| Validity | 90 days per coverage cycle (extended multiple times) |
| Eligible Conditions | Death due to COVID-19 related duty/exposure |
| Mode | Cashless, paperless, claim-free for beneficiaries |
Who Were Covered?
Doctors (public & private), Nurses and paramedical staff, ASHA workers, Auxiliary nurse midwife, Sanitation workers, Community health workers
Condition: Must be directly involved in COVID-19 care or contact
Scale of Coverage
- Covered approx. 22.12 lakh healthcare providers across India
- Included both regular employees and deputed/contractual staff
Supreme Court Observation
- Private doctors deputed by State qualify as Healthcare Professionals (HCPs) under PMGKY
- Insurance eligibility does not depend on permanent government employment
- Reinforces welfare interpretation of emergency relief measures
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