The “Jharkhand Rajya Patrakar Swasth Bima Yojana Niyamawali 2025” is a health insurance scheme launched by the Information and Public Relations Department, Government of Jharkhand. It is designed to provide comprehensive health insurance coverage to accredited journalists and their families, ensuring financial security during medical emergencies. The scheme covers medical expenses such as hospitalization, surgeries, medicines, and other treatments through a cashless system in empaneled hospitals. It is valid for one year, with annual renewal required, and the premium is partially contributed by media representatives.
Benefits
- Health Insurance Coverage:
Up to ₹5,00,000 per year for accredited journalists. - Family Coverage:
Coverage extends to the journalist, their spouse, and up to two dependent children. - Expense Coverage:
Covers expenses related to hospitalization, surgeries, medicines, and treatments. - Cashless Treatment:
Treatment is provided on a cashless basis in empaneled hospitals. - Premium Contribution:
Media representatives contribute 20% of the annual premium via banker’s cheque, cheque, or demand draft. The remaining 80% is borne by the department.
Eligibility
- Residency and Work Location:
The applicant must reside in Jharkhand and work within the state. - Accreditation:
The applicant must be an accredited journalist in Jharkhand, holding an accreditation certificate issued by the state government. - Employment:
Applicants should be regularly or contractually employed by newspapers, magazines, news agencies, electronic media, or news-based electronic media. Freelance journalists must present valid press credentials issued by the Information and Public Relations Department. - Age Limit:
Journalists should be between 21 and 60 years of age. - Family Coverage:
The insurance covers the journalist’s spouse and up to two unmarried, dependent children (children up to age 21).
Application Process
Online Application Submission:
- Visit the Official Website:
Go to the Information and Public Relations Department’s official website. - Complete the Online Application:
Fill in the required eligibility details online. Upon completion, an ID code will be generated for the applicant. - Form Download:
After confirming eligibility details online, download the prescribed application form (Appendices ‘A’ and ‘B’). - Prepare Hard Copy:
Fill out the downloaded form and attach all necessary documents. - Submission at District Office:
Submit the completed hard copy along with all documents to the District Public Relations Officer (DPRO).
Important Note:
If a media representative leaves their organization, the editor/employer/bureau chief handling the application must immediately notify both the Information and Public Relations Department and the insurance company. In the event a journalist leaves the profession, the insurance benefits will cease, and any premium contribution made will be forfeited.
Documents Required
- Five passport-sized photographs.
- Accreditation Certificate issued by the state government.
- Graduate or equivalent degree certificate.
- Appointment letter or affiliation certificate (signed by the editor/employer/bureau chief confirming full-time/part-time status).
- Birth Certificate (signed by the editor/employer/bureau chief).
- Details of any other insurance scheme or mediclaim policy (if available).
- Work experience certificate from the relevant editor/employer/bureau chief confirming a minimum of five years of experience.
- Valid press credential (for freelance accredited journalists, issued by the Information and Public Relations Department).
- Crossed/cancelled blank cheque from the applicant’s bank account (with ECS facility details, MICR, and IFSC code).
- Receipt copy for the insurance premium contribution payment.
- Affidavit or notarized declaration as required.
Frequently Asked Questions
-
What is the Jharkhand Rajya Patrakar Swasth Bima Yojana?
It is a health insurance scheme providing coverage up to ₹5,00,000 per year for accredited journalists and their families. -
Who is eligible to apply for this scheme?
Accredited journalists in Jharkhand, either employed by media organizations or freelance (with valid press credentials), whose work area is within Jharkhand, and aged between 21 and 60 years. -
What is the insurance coverage amount?
The scheme provides health insurance coverage of up to ₹5,00,000 per year. -
Who all are covered under the scheme?
The scheme covers the journalist (self), their spouse, and up to two dependent children. -
What expenses are covered under this scheme?
It covers hospitalization, surgeries, medicines, and treatment expenses on a cashless basis at empaneled hospitals. -
Is there an age limit to apply?
Yes, journalists must be between 21 and 60 years of age. -
How can I apply for the scheme?
Applications can be submitted online by completing the eligibility details and downloading the prescribed forms, which must then be submitted in hard copy to the District Public Relations Officer. -
What documents are required for application?
Documents include passport-sized photographs, accreditation certificate, degree certificate, appointment letter/affiliation certificate, birth certificate, work experience certificate, valid press credentials (if freelance), bank cheque details, and the insurance premium receipt, among others. -
Is the treatment cashless under this scheme?
Yes, treatment is provided on a cashless basis in empaneled hospitals. -
How will I know if my application is approved?
Approval status and further instructions will be communicated by the District Public Relations Officer. -
Can I include my parents in this scheme?
No, the scheme covers only the journalist, their spouse, and up to two dependent children. -
Is there any fee to enroll in the scheme?
Media representatives are required to contribute 20% of the annual premium, while the remaining 80% is covered by the government. -
How do I find the list of empaneled hospitals?
The list of empaneled hospitals is available on the official website of the Information and Public Relations Department, Jharkhand. -
What happens if I lose my insurance card?
In such cases, please contact the designated authority for reissuance of the insurance card. -
Where can I get more information about the scheme?
More details can be obtained from the official website or by contacting the Information and Public Relations Department, Jharkhand.