Personal accident insurance up to ₹5 lakhs and medical expense coverage up to ₹5 lakhs for the insured and dependents.

The government covers 80% of the premium, while the media representative contributes 20%.

The insurance is valid for one year with an option for annual renewal.

Sons up to 23 years (or 25 if studying) and daughters until marriage.

Yes, declared and undeclared diseases are covered with no waiting period.

The editor/resident editor/employer/Bureau Chief must inform IPRD and the insurance company immediately.

Yes, but they must declare any other insurance or mediclaim policies in the application.

Based on quotations from government public sector insurance companies and negotiated by IPRD officials.

To process and monitor applications, verify eligibility, and ensure smooth operation of the scheme.

The insurance becomes effective once the total amount, including the media representative’s share, is transferred to the insurance company's account.

Payments are made through banker's cheque, demand draft, or electronic transfer to the designated account.

Renewal paperwork must be completed before the end of the current insurance period.

Treatment in hospitals tied up with the contracted insurance company is covered under the cashless facility; other treatments are reimbursed.

Check the status through the IPRD website or contact the District Public Relation Officer.