Bihar State Journalist Insurance Scheme – Coverage and Eligibility
Overview
The Bihar State Journalist Insurance Scheme is a state government initiative to provide insurance coverage to working journalists in Bihar. Journalism is a profession with inherent risks, and this scheme recognizes the need to protect journalists and their families.
The scheme is administered by the Bihar government and covers accidental and life insurance for eligible media professionals.
Objective
The objective is to offer financial security to journalists in Bihar who face occupational risks. The scheme ensures that journalists covering sensitive stories or working in difficult conditions have an insurance safety net.
Benefits
- Life insurance coverage for natural and accidental death
- Disability benefit in case of permanent partial or full disability
- Financial relief to the journalist’s family in case of death
- Premium partially or fully covered by the state government
Eligibility
- Must be a working journalist in Bihar
- Should be accredited by the Bihar State Government or hold a valid press card
- Must be employed by a registered newspaper, news agency, or media house
- Age: Typically 18 to 60 years
- Freelance journalists may be eligible if they meet accreditation norms
Exclusions
- Non-accredited journalists or media persons without valid press credentials
- Those already covered by group insurance through their employer
- Retired journalists above the maximum age limit
- Deaths or injuries caused by self-harm or criminal activity
Application Process
- Apply through the Bihar Information and Public Relations Department (IPRD)
- Obtain and fill the enrollment form
- Attach required documents
- Submit to the IPRD office for verification
- Insurance enrollment is processed through the designated insurer
Documents Required
- Press accreditation card or government-issued press identity card
- Aadhaar card and address proof
- Employment letter from media organization
- Passport-size photographs
- Bank account details
- Age proof
