DISASTER MANAGEMENT DEPARTMENT

Government of Andhra Pradesh

GOVERNMENT OF ANDHRA PRADESH

REVENUE (DM.I) DEPARTMENT

 INVITATION FOR BIDS UNDER APATHBANDHU SCHEME FOR THE POLICY YEAR 2010-11

 

MEMORANDUM OF UNDERSTANDING BETWEEN GOAP & BHARATHI -AXA LIFE INSURANCE COMPANY LTD.,

 

BRIEF NOTE ON APATHBANDHU INSURANCE SCHEME

Apathbandhu Scheme was launched on 02-10-1998 to implement accident insurance scheme for the families living under Below Poverty Line in Andhra Pradesh to provide insurance coverage in case of accidental deaths in the policy year from 02-19-2008 to 01-10-2009.   The Policy year starts on 2nd October of every year and ends by 1st October of subsequent year.  

             For  the policy year from 1998-99 to 2000-2001,  the  persons in the age group of 5-69 years whose annual family income is Rs.11,000/- or below were eligible for  coverage designed to cover 2000 deaths under Apathbandhu Scheme as follows:

Category

Age group

Per  capita sum insured  (in Rupees)

A

18-69 years

50,000/-

             From the Policy year from 2001-2002 to current policy year 2009-10,  the coverage under the Scheme increased from 2000 to 3200 death of persons of BPL families in the age group of 18 to 69  years and the ex-gratia paid in each case is Rs.50,000/-. The Scheme is being extended from time to time by renewing the scheme every policy year.  The Scheme was in operation for the last 11 years and the following is the premium paid and claims settled during period.  

Policy year

ANNUAL PREMIUM PAID BY GOAP (Rupees in Crores)

NO. OF BENFICIERIES COVERED

CLAIMS SETTLED BY INSURANCE COMPANIES (Rupees in Crores)

1998-1999

2.10

2000

18.35

1999-2000

5.00

2000

20.00

2000-2001

8.00

2000

20.00

2001-2002

12.00

3200

16.00

2002-2003

12.00

3200

16.00

2003-2004

12.00

3200

16.00

2004-2005

15.00

4000

20.00

2005-2006

10.75

3200

16.00

2006-2007

           10.00

                  3200

16.00

2007-2008

          12.99

                  3200

16.00

2008-2009

          11.97

                  3200

                  16.00

2009-2010

          10.78

                   3200

 

             To renew the scheme and to finalize the Insurance Company, the Government have issued notification in the daily news paper of Deccan Chronicle (English) and Eenadu (Telugu).  The Government have called for fresh competitive bids from Insurance Companies Registered with Insurance Regulatory   Authority to give their competitive officers for the policy year 2009-10 on or before 19-09-2009 at 3-00 PM.     The bids were opened at 04-00 PM on the same day before the competitive bidders.  For the Present policy year i.e., 2009-10, M/s. Bharti AXA General Insurance Company who has quoted lowest bid i.e., Rs.10,78,20,000/-.  The insurance company has to cover 3200 cases under the scheme @ Rs.50,000/- for each case and MOU also entered by the Govt., with M/s Bharti AXA General Insurance Co. Ltd., to that effect. Orders were also issued vide G.O.Ms. No.22, Revenue (DM.I) Department, Dt.29-09-2009 paying the premium amount to the Insurance Company in three instalments as given below.

Sl.No

Particulars of Installment

Amount in Rs.

Cheque No. & Date

1

1st installment on or before              01-10-2009

2,69,55,000/-

506878,   Dt.01-10-2009

2

2nd installment on or before             01-01-2010

2,69,55,000/-

558548,

Dt.31-12-2009

3

3rd and final installment on or before  15-03-2010

5,39,10,000/-

 

Total

10,78,20,000/-

 

 Under the scheme the following nature of deaths will cover:

1.      Deaths resulting from break down of Law and Order / Riots and acts of the State in the restoration of Law and Order, excluding deaths arising out of faction fights.

2.      Deaths of passengers in accident caused or resulting from operation of passenger  carrying  vehicles  owned / hired  by A.P.S.R.T.C., or deaths caused

or resulting from operation of any other vehicles including deaths of pedestrians caused by all such vehicles.

3.      Deaths resulting from accident to water borne vessels such as boats etc., while they are plying.

4.      Deaths on account of floods, cyclones, storms, thunderbolt inundation etc.

5.      Deaths on account of collapse of buildings / bridges.

6.      Deaths on account of fire accidents.

7.      Deaths on account of electrocution.

8.      Deaths on account of extremist violence.

9.      Deaths resulting from attacks / atrocities against S.Cs / S.Ts.

10.  Murder and death of women on account of rape, molestation etc.,

11.  Deaths on account of earthquakes.

12.  The Toddy Tappers, who die due to accidental fall, are covered under “Apathbandhu” scheme as it is an accidental death.  If the case is covered under the Excise Department Insurance Scheme, then it will not be considered under Apathbandhu.

13.  People, who die due to drowning, also are covered under “Apathbandhu” scheme, as it is an accidental death.

14.  Death due to Rabies / Dog bite is also covered under “Apathbandhu” scheme subject to the condition that the dog bite has taken place during the policy period and the death of person has occurred within 12 months of the dog bite and subject to post-mortem report.

15.  Death due to snake bite or due to attack by wild animals is also covered under “Apathbandhu” scheme, as these are accidents, subject to post-mortem report or Medical certificate from the Doctor not below the rank of Asst. Civil Surgeon.

16.  Any other accidental deaths, not specifically excluded.

 

 The following natures of deaths are not covered under the Scheme:

      1.      Self injury, suicide or attempted suicide.

2.      Death while under the influence of alcoholic drinks or drugs.

3.      Engaging in aviation activities other than traveling as passenger (in a duty licensed standard type aircraft) anywhere in the world.

4.      Venereal diseases or insanity.

5.      Death while committing any breach of law with criminal intent.

6.      War and allied perils.

7.      Nuclear Explosion.

8.      Pregnancy, Child birth or consequences thereof.

9.      Service on duty with armed forces.