1 Crore Students in Rajasthan to Get ₹1 Lakh Accident Insurance Coverage: Check Details

Accident insurance schemes play a vital role in offering financial protection to families in times of unexpected events. In a pioneering step towards safeguarding the well-being of schoolchildren, the Government of Rajasthan has launched the Shiksha Sanjeevani Yojana, under which nearly 1 crore students across the state will benefit from group personal accident coverage of up to Rs. 1 lakh per child. This initiative is currently being implemented in the Udaipur division and will soon be expanded state-wide, marking a significant milestone in inclusive education and social welfare.

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What is the Shiksha Sanjeevani Yojana?

The Shiksha Sanjeevani Yojana is a government-led initiative introduced by the Rajasthan Department of Education and Panchayati Raj. It was announced by the state’s Minister of State for Education and Panchayati Raj during an event held at Residency Girls Higher Secondary School, Udaipur.

Initially covering around 1.3 lakh students from government schools in the Udaipur division, this programme offers accident insurance to children studying from Class 1 to Class 5. The policy assures financial coverage of up to Rs. 1 lakh in case of accidents affecting the student or their parents.

The plan has been developed in collaboration with organisations including Wonder Cement, Zurich Kotak General Insurance, SBI, and the SME Insurance Promotion Council.

Coverage and benefits of the accident insurance

The group personal accident insurance scheme ensures that students and their families receive immediate financial assistance in the unfortunate event of accidental injury or death. The following are key features of the policy:

Coverage up to Rs. 1 lakh in case of accidental disability or death of the student.
Parental coverage included, offering financial aid in the event of the accidental demise of a parent or guardian.
Scholarship support for students who lose their parents due to an accident, continuing until the child turns 18.
No premium payment required from parents, as the scheme is fully government-backed and supported by corporate partners.

This policy plays a crucial role in ensuring educational continuity for children affected by unexpected family tragedies, providing them with a secure and stable environment to pursue their education.

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Current implementation and future expansion

Currently, the scheme covers government school students in the Udaipur division. With successful implementation and operational coordination in this region, the government has planned to roll out the programme to other divisions and districts.

The broader vision is to extend the accident insurance scheme to 1 crore students studying in government schools across the entire state of Rajasthan. This expansion is expected to be executed in phases, in consultation with educational institutions, insurance partners, and local administrative bodies.

Objectives behind the scheme

The scheme is rooted in a multi-dimensional approach to student welfare and aims to address various socio-economic challenges. The objectives of the scheme include:

Ensuring uninterrupted education: By offering financial relief in case of accidents, the programme prevents school dropouts that occur due to loss of family income or the demise of parents.
Reducing child labour: By providing long-term support to affected children, the scheme discourages the need for children to work in order to support their families.
Fostering financial inclusion: Students and their families are introduced to digital insurance platforms and financial services, aligning with the Digital India mission.
Instilling saving habits: The insurance scheme, alongside scholarships and awareness initiatives, encourages children to learn about savings and financial planning from an early age.
Preventing misuse of funds: Clear and transparent claim processes have been put in place to ensure that funds disbursed under the insurance are utilised responsibly for the child’s benefit.

How the group personal accident scheme works

This group personal accident policy is administered collectively for students under a single contract between the education department and the insurance providers. Here’s how it functions:

Eligibility: All students enrolled in Classes 1 to 5 in participating government schools automatically become members of the policy.
Premium payment: The policy is funded through government allocations and corporate partnerships, requiring no direct cost to parents.
Claim process: In the event of an accident, designated school authorities assist the affected family in submitting the necessary documents to process claims efficiently.
Scholarship provision: In situations involving the death of a parent, the insurance claim also triggers an educational scholarship for the student until they reach the age of majority.

This mechanism ensures that coverage is extended inclusively, transparently, and with minimal administrative burden on families.

Role of corporate and institutional partners

The involvement of corporate sponsors such as Wonder Cement and Zurich Kotak General Insurance demonstrates a public-private partnership (PPP) model that strengthens the social safety net. These partners bring operational expertise, insurance knowledge, and financial support, making large-scale schemes like this one feasible and effective.

Additionally, the participation of banking institutions like SBI enhances claim settlement efficiency and ensures digital payment integration, aiding families in remote or underbanked regions.

Social and educational impact

The introduction of such a comprehensive accident insurance scheme is expected to make a measurable difference in the lives of economically disadvantaged families. With nearly one crore students being targeted under this initiative, the impact includes:

Greater retention rates in government schools
Improved psychological well-being for students and parents
Reduced financial dependence on informal lending or debt in times of crisis
Strengthened trust in public education systems and governance

By proactively securing students against unexpected events, Rajasthan positions itself as a leader in child-centred educational policy reforms.

Conclusion

The rollout of a group personal accident insurance scheme under the Shiksha Sanjeevani Yojana represents a progressive move in student welfare. Covering nearly 1 crore students with accident protection of up to Rs. 1 lakh, this initiative not only ensures financial stability for affected families but also promotes educational continuity and long-term social security. As the programme expands across Rajasthan, it could serve as a model for other states to adopt similar welfare schemes to empower and protect the next generation.