Accident insurance scheme for students likely to be rolled out this year
GS2Polity · Governance · IR· Education policy· Prelims·
Why in news
The Kerala government announced a plan to launch a comprehensive accident and life insurance scheme for 43 lakh students in public, aided, and approved schools this year.
Background
The scheme covers students from Classes I to XII with a total implementation cost of ₹15 crore. The Kerala State Insurance department and United India Insurance Company Ltd. will implement the scheme, which provides a one-time payment of ₹3 lakh for death or disability.
Facts for Prelims
- FactThe scheme covers 43 lakh students from Classes I to XII in Kerala.
- FactThe government will pay an annual premium of ₹30 plus GST per student.
- FactThe scheme provides up to ₹3 lakh for death/disability and ₹75,000 for hospital admissions.
- BodyUnited India Insurance Company Ltd. is one of the implementing bodies for the scheme.
- PlaceThe scheme is being launched by the Government of Kerala.
For Mains
Q. Discuss how state-led social security schemes for students can enhance educational equity and safety in India's public schooling system.
Dimensions to cover in your answer
- Fiscal sustainability: Balancing high-volume coverage costs with state budgetary constraints
- Institutional synergy: Coordination between state insurance departments and public sector insurance providers
Keywords: Social Security · Educational Equity · Public Policy · Risk Mitigation · State Welfare
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