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. 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: Categor y A B Per capita sum insured (in Rupees) 50,000/1,00,000/The Policy year starts on 2nd October of every year and ends by 1st October of subsequent

Age group 5-17 years 18-69 years

From the Policy year 2001-2002 to the policy year 2009-10, the coverage under the Scheme increased from 2000 to 3200 cases 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 Apathbandhu Scheme is being extended from time to time by renewing the policy every year. The Scheme was in operation for the last 12 years and the following is the premium paid and claims settled during period. Policy year 1998-1999 1999-2000 2000-2001 2001-2002 2002-2003 2003-2004 2004-2005 2005-2006 PREMIUM (Rupees) 2,10,00,000/5,00,00,000/8,00,00,000/12,00,00,000/12,00,00,000/12,00,00,000/15,00,00,000/10,75,00,000/No. of CLAIMS LIMITED TO 2000 2000 2000 3200 3200 3200 4000 3200
CLAIMS SETTLED BY INSURANCE COMPANIES (Rupees)

18,30,50,000/20,00,00,000/20,00,00,000/16,00,00,000/16,00,00,000/16,00,00,000/20,00,00,000/16,00,00,000/-

2006-2007

10,00,00,000/-

Minimum 3200 With no ceiling cap

16,00,00,000/-

2007-2008

12,99,99,999/-

Minimum 3200 With no ceiling cap -

16,00,00,000/

2008-2009

11,97,00,000/-

Minimum

3200

16,00,00,000/-

With no ceiling cap 2009-2010 10,78,20,000/Minimum 3200 16,00,00,000/-

With no ceiling cap 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 covred 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 postmortem 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 nature 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 travelling 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. For the policy year 2011-2012, orders were issued vide

G.O.Ms.No.17,Revenue(DM) Dept, dated 06-07-2011 for BPL families in Andhra Pradesh for a further period of one year from 15-08-2011 to 14-082012, and included Deaths caused due to Sun Strokes during Heat Wave conditions in the nature of deaths covered under Apathbandhu Scheme. Further, the ceiling limit has also been enhanced from 3200 to 6000 cases of death. In view of the above changes/modifications it was decided to cancel tenders furnished

for Apathbandhu Scheme for the policy year individual letters to give their

2010-2011. Once again the following Non-Life Insurance Companies have been requested through the policy year 2011-2012: competitive offers for the renewal of the Apathbandhu Scheme for 1. BAJAJ ALLIANZ GENERAL INSURANCE CO., LTD., PUNE. 2. ICICI LOMBARD GENERAL INSURANCE CO. LTD., MUMBAI 3. IFFCO TOKIO GENERAL INSURANCE CO. LTD., GURGAON, HARYANA. 4. NATIONAL INSURANCE CO. LTD., KOLKATA. 5. NEW INDIA ASSURANCE CO. LTD., MUMBAI. 6. ORIENTAL INSURANCE CO. LTD., NEW DELHI. 7. RELIANCE GENERAL INSURANCE CO. LTD., MUMBAI. 8. ROYAL SUNDARAM ALLIANCE INSURANCE CO. LTD., CHENNAI. 9. TATA AIG GENERAL INSURANCE CO. LTD., MUMBAI. 10. UNITED INDIA INSURANCE CO. LTD., CHENNAI. 11. CHOLAMANDALAM GENERAL INSURANCE CO. LTD., CHENNAI. 12. HDFC CHUBB GENERAL INSURANCE CO. LTD., MUMBAI. 13. STAR HEALTH & ALLIED INSURANCE CO. LTD., CHENNAI. 14. BHARTI AXA GENERAL INSURANCE CO. LTD., BANGALORE.

A notification was also published in Newspapers on 10.07.2011 [The Times of India, (English) & Eenadu (Telugu)].
As per the Tender schedule the competitive offers from the

Insurance Companies are to reach CDM & EOPS, Revenue (DM) Department on or before 3.00 p.m. on 18.07.2011 and the competitive bids will be opened at 4.00 p.m. on 18.07.2011 in the chambers of the CDM & EOPS before the representatives of Insurance Companies.