The Medical Aid Scheme—often referred to as Ayushman Bharat “Niramaya”—is administered by the Madhya Pradesh Building and Other Construction Workers Welfare Board (MPBOCWWB) under the Labour Department. It provides free medical treatment worth up to ₹5,00,000 per year for registered construction workers and their families at empanelled hospitals across the state.
Key Benefits
- Annual Coverage: ₹5,00,000 per registered worker/family.
- Comprehensive Medical Care: Hospitalization, surgeries, and treatments at approved hospitals.
Eligibility
Registration as a Building/Construction Worker
- Residency: Must be a resident of Madhya Pradesh.
- Work Criteria: Engaged in building/construction work for at least 90 days in the preceding 12 months.
- Age Range: 18–60 years.
- Renewal: Registration must be renewed annually.
Application for the Scheme
- Identity Card: The worker or spouse must have a valid ID as a registered construction worker.
- Maternity Coverage:
- Female Worker: Direct coverage for her delivery.
- Male Worker: Coverage includes his spouse’s delivery.
Application Process (Online)
- Visit Shram Seva Portal: Go to the MPBOCWWB official website.
- Registration of Construction Worker: Select “Apply online for registration“ as a beneficiary.
- Enter Composite Member ID & Samagra Family ID: Click “Get Details”.
- Verify Family Information: Details will appear on screen.
- Fill Out the Form: Complete mandatory fields and upload required documents.
- Pay Application Fee: Finalize submission with online payment.
- Registration Number: On successful payment, you receive a unique registration number.
Documents Required
- Identity Proof: Aadhaar Card or other government ID.
- Passport-size Photograph.
- Residence Proof: Utility bill, Voter ID, etc.
- Ration Card (optional).
- Bank Account Details: Copy of passbook.
- Caste Certificate (if applicable).
- Undertaking/Declaration (if required).
- Age Certificate.
- Employment Certificate.
- Signature.
- Any other relevant documents.
Frequently Asked Questions (FAQs)
- Who is eligible for this scheme?
Any registered construction worker in Madhya Pradesh, aged 18–60, who has worked at least 90 days in the preceding year. - What is the medical benefit amount under the scheme?
Up to ₹5,00,000 per year for hospitalization and treatments. - Where can beneficiaries avail treatment?
Any empanelled hospital approved by MPBOCWWB. - Is maternity coverage included?
Yes, delivery expenses for the female worker or the spouse of a male worker are covered. - What documents are required to avail benefits?
A valid worker ID card, medical records, bank details, and other mandated proofs. - Are family members covered under this scheme?
Yes, immediate family is generally included within the ₹5,00,000 coverage. - What type of treatments are covered?
Secondary/tertiary care, surgeries, medical procedures, hospitalization under Ayushman Bharat guidelines. - Is there a waiting period to use the scheme?
Usually no waiting period post-registration; coverage applies once the worker is fully registered. - What if treatment costs exceed ₹5,00,000?
Any expense beyond ₹5,00,000 must be borne by the beneficiary; coverage stops at the annual limit. - How often can the benefit be availed?
The ₹5,00,000 limit renews annually upon renewed registration of the worker.