Insurance Scheme for Artisans – Handicrafts Scheme Puducherry

Overview

The Insurance Scheme for Artisans is part of the Development of Handicrafts Scheme in Puducherry. It provides life and accident insurance coverage to artisans working in the handicrafts sector who have no formal employment protection.

The scheme recognizes the economic vulnerability of artisans and offers them a safety net through group insurance.

Objective

The objective is to provide social security to handicraft artisans in Puducherry. By offering insurance coverage, it ensures that artisans and their families are protected against financial shocks caused by accidental death, injury, or disability.

Benefits

• Life insurance coverage in case of natural death
• Accidental death or disability benefit
• Low or no-premium cost for eligible artisans
• Financial protection for the artisan’s family

Eligibility

• Must be an artisan registered with the Handicrafts Department of Puducherry
• Must be actively engaged in handicraft production
• Age: 18 to 60 years (may vary based on insurer norms)
• Must possess an Artisan Identity Card issued by the department
• Resident of Puducherry

Exclusions

• Unregistered artisans are not eligible
• Artisans outside the specified age group are excluded
• Deaths or injuries due to pre-existing conditions may not be covered
• Artisans who are already covered under a similar central insurance scheme

Application Process

1. Register with the Handicrafts Department in Puducherry
2. Obtain an Artisan Identity Card
3. Apply for the insurance scheme through the department
4. Submit the application with relevant documents
5. Insurance enrollment is processed through a group policy

Documents Required

• Artisan Identity Card
• Aadhaar card and address proof
• Passport-size photographs
• Bank account details for claim purposes
• Proof of age
• Self-declaration of occupation as artisan