8–10 million rickshaw pullers. No PF, no ESI, no sick leave. A road accident that kills or disables a rickshaw puller destroys the family's entire livelihood immediately. the insurer Group Personal Accident Insurance provides accidental death, disability, and weekly income replacement — administered by rickshaw unions, cooperatives, and municipal corporations on behalf of their members.
Rural Insurance· Group Personal Accident
This is the first the insurer rural insurance product that insures a person — not an animal, crop, or asset. It provides Group Personal Accident (GPA) insurance to rickshaw pullers: covering accidental death, permanent disability, and temporary income loss. Probitas Insurance Brokers Pvt. Ltd. (IRDAI Lic. No. 528) is your licensed broker.
All previous the insurer rural insurance products insured animals (cattle, camel, horse, pig, poultry, elephant) or assets (saltwork, pumpset, cycle rickshaw vehicle). This is the FIRST product that insures the HUMAN BEING — specifically the rickshaw puller's life and body. It is a Group Personal Accident (GPA) Insurance policy: if the rickshaw puller dies or is injured in an accident while working, the policy pays financial compensation to the puller and their family. The insured is a person — not property.
India has an estimated 8–10 million cycle and e-rickshaw pullers — one of the largest occupational groups in the informal economy. Average daily income: ₹200–₹500. No PF, no ESI / ESIC, no sick leave, no paid leave, no employer liability. Most pullers are migrant workers from SC / OBC communities in UP, Bihar, West Bengal, Odisha, and Assam. The overwhelming majority do NOT own their rickshaw — they rent it for ₹40–₹100/day. A road accident that kills or permanently disables a rickshaw puller destroys the family's ENTIRE livelihood — immediately and permanently. Cycle rickshaws have zero structural protection: the puller is fully exposed to traffic at all times.
This is a GROUP Personal Accident Insurance policy. Individual rickshaw pullers CANNOT buy this policy directly. The policy is purchased by an ORGANISATION — a rickshaw union, cooperative, municipal corporation, NGO, or SHG — on behalf of their members. The organisation is the "Group Policyholder" and administers the scheme: enrolling members, paying premiums (or collecting from members), and helping nominees claim benefits. The individual pullers are the insured persons / beneficiaries.
Benefits Under the Scheme
Four distinct benefit types activate under different accident scenarios. Understanding what is and is NOT covered is critical — this is an accident-only policy. TTD weekly benefit is the most unique feature — no animal insurance product in this series provides income replacement.
If the insured puller dies as a direct result of bodily injury caused by an accident within 12 months of the accident — the NOMINEE (spouse / child / parent) receives 100% of the Capital Sum Insured (CSI) as a lump sum.
If the puller suffers a permanent total disability from an accident that permanently and totally prevents them from working — 100% of CSI is paid to the insured puller.
If the puller suffers a permanent partial loss of function from an accident — a percentage of CSI is paid as per the disability schedule in the policy.
If the puller is temporarily unable to work due to accident injury (broken arm, leg fracture, etc.) — a weekly compensation replaces lost income for the duration of disability.
PMSBY provides ₹2,00,000 accidental death/PTD cover at just ₹20/year (auto-debit from bank). Most pullers with bank accounts can access PMSBY independently. This the insurer Group PA scheme is designed to SUPPLEMENT PMSBY:
Cycle rickshaws have NO structural protection — no airbags, no crumple zones, no seat belts. The puller is directly exposed to traffic at all times. Road accidents (vehicles hitting rickshaws) are the LEADING cause of death and permanent disability for rickshaw pullers — particularly in high-traffic urban areas. This Group PA policy was specifically designed to provide a financial safety net for this occupational hazard.
Who Can Apply
The GROUP POLICYHOLDER is the organisation that buys the policy. Individual pullers are the insured persons. The quote form on this page is targeted at group policyholders — not individual pullers.
NDMC Delhi, BMC Mumbai, KMC Kolkata, AMC Ahmedabad, MCH Hyderabad — city government schemes for licensed rickshaw pullers
Delhi Cycle Rickshaw Operators' Union, UP E-Rickshaw Chalak Sangh, WB Rickshaw Pullers' Cooperative
SEWA, Chintan, Jan Sahas, Goonj and other NGOs working with urban informal workers and rickshaw puller communities
State transport departments, District Collectors administering schemes for rural rickshaw pullers under NULM
| Feature | PMSBY | the insurer Group PA |
|---|---|---|
| Accidental Death | ₹2,00,000 | Up to ₹1,00,000 |
| PTD Benefit | ₹2,00,000 | 100% of CSI |
| PPD Benefit | ₹1,00,000 | % of CSI (schedule) |
| TTD Weekly | Not covered | ₹250–₹500/wk |
| Medical Expense | Not covered | Endorsed option |
| Premium | ₹20/year | Negotiated (group) |
| Administered by | Bank (auto-debit) | Union / Corp / NGO |
| Works with other? | Yes — can coexist | Supplements PMSBY |
How to File a Claim
The GROUP POLICYHOLDER (union / corporation / NGO) plays a critical role — helping the nominee (who may be illiterate) compile documents and submit the claim. Call Probitas on 022 4302 0000 at any step.
The nominee (widow / family member) — who may be illiterate or semi-literate — approaches the group policyholder (the union / municipal corporation / NGO) for claim assistance. The group policyholder provides the claim form, helps compile and submit documents, and coordinates with Probitas / insurer to ensure the nominee receives their benefit. This intermediary role makes the group policyholder's commitment to member welfare essential for effective scheme operation.
After any accident involving an insured puller, notify the group policyholder immediately and call Probitas on 022 4302 0000 within the stipulated time (typically 30 days from the accident). For road accidents: lodge a Police FIR at the nearest police station immediately.
Nominee / family member contacts the group policyholder (union / corporation / NGO). Also call Probitas on 022 4302 0000. For road accident: Police FIR mandatory. For accidental death: do NOT delay — post-mortem must be arranged promptly.
Group policyholder helps nominee compile: Police FIR, Post-Mortem Report / Inquest Report (death claims), Death Certificate, identity proof of deceased and nominee, nominee's bank account details, copy of the group policy / certificate of insurance, and rickshaw license if available.
Group policyholder submits the claim form and all documents to Probitas / insurer on behalf of the nominee. The group policyholder is the primary contact for the insurer — NOT the individual nominee. For TTD claims: medical certificates must be submitted regularly (each 2–4 weeks).
Death: 100% of CSI to nominee by NEFT / cheque.
PTD: 100% of CSI to insured puller.
PPD: % of CSI per disability schedule.
TTD: Weekly payment for duration of disability.
IRDAI TAT: 30 days from complete documents.
How Benefits Are Calculated
| Parameter | Scenario A — Accidental Death (Delhi) | Scenario B — Permanent Partial Disability (Lucknow) | Scenario C — Temporary Total Disability (Kolkata) |
|---|---|---|---|
| Insured Person | Ram Prasad, 42 years, cycle rickshaw puller, Delhi; member of Delhi Cycle Rickshaw Operators' Union | Ramesh Kumar, 35 years, e-rickshaw operator, Lucknow; member of UP E-Rickshaw Chalak Sangh | Mohan Das, 28 years, cycle rickshaw puller, Kolkata; registered under KMC scheme |
| Capital Sum Insured (CSI) | ₹ 1,00,000 | ₹ 1,00,000 | Weekly TTD: ₹ 250/week |
| Event / Accident | Road accident at Connaught Place — cycle rickshaw hit by truck; Ram Prasad dies at hospital; Police FIR filed; post-mortem confirms accidental death from road trauma | Road accident — e-rickshaw hit from behind; Ramesh loses sight in left eye permanently; medical certificate confirms permanent loss of one eye | Fell off rickshaw on uneven road; fractured right arm; unable to pull rickshaw for 8 weeks; medical certificate confirms temporary disability |
| Benefit Type | A — Accidental Death (100% CSI) | C — PPD (50% CSI — loss of one eye) | D — TTD (₹250/week × 8 weeks) |
| Nominee / Recipient | Sunita Devi (wife) — nominee registered at group enrollment | Ramesh Kumar (insured puller himself) | Mohan Das (insured puller himself) |
| Benefit Paid | ₹ 1,00,000 lump sum to Sunita Devi | ₹ 50,000 (50% of ₹1,00,000 CSI) to Ramesh | ₹ 2,000 (8 weeks × ₹250) to Mohan Das |
| Key Documents | Police FIR + Post-Mortem Report + Death Certificate + Nominee's Aadhaar + Bank details | Police FIR + Medical certificate (permanent vision loss in left eye) | Medical certificate (arm fracture) submitted every 2 weeks |
| Administered by | Delhi Rickshaw Union submits claim to Probitas on behalf of Sunita Devi | UP Chalak Sangh assists Ramesh with claim documentation | KMC scheme administrator coordinates TTD payments |
* Illustrative only. Actual benefits depend on policy CSI, benefit schedule, and complete documentation. Natural death (heart attack, disease) is NOT covered — only accidental death. TTD weekly rate and maximum weeks vary by policy terms. For PPD, the disability must be permanent and certified by a registered medical practitioner.
Policy Conditions
The following 10 conditions are binding under the the insurer Group Personal Accident scheme for rickshaw pullers. Conditions 1 (Accident Only), 2 (Alcohol/Drugs), 4 (Police FIR), and 8 (E-Rickshaw License) are the most critical.
ACCIDENT ONLY — Natural Death Not Covered: This policy covers ONLY accidental death and accidental disability. Natural death from heart attack, stroke, disease, or illness is EXCLUDED. The death must result DIRECTLY from a bodily injury caused by a sudden accident.
Alcohol / Drugs Exclusion: Death or injury occurring when the puller was under the influence of alcohol or drugs at the time of the accident may void the claim. The post-mortem / medical report may reveal intoxication. This is strictly enforced.
Nominee Must Be Registered: Each insured puller must nominate a beneficiary (spouse / parent / child) at the time of group enrollment. The nominee must be named in the group policy schedule. Un-nominated pullers' death claims may face delays.
Police FIR — Mandatory for Accident Claims: A Police FIR (First Information Report) from the nearest police station is mandatory for all road accident claims — both death and disability. File the FIR immediately after the accident. Without FIR, accident claims may not be processable.
Post-Mortem Report — Mandatory for Death Claims: An Inquest Report / Post-Mortem Report from a government hospital or forensic authority certifying accidental cause of death is mandatory for all death benefit claims.
12-Month Survival Rule: Accidental death must occur within 12 months of the date of the accident. If the puller dies from accident injuries more than 12 months after the accident date, the death claim may not be payable.
TTD Medical Certificates Required Regularly: For Temporary Total Disability (TTD) weekly benefit claims, a medical certificate confirming continuing disability must be submitted regularly (every 2–4 weeks) to the group policyholder / insurer. TTD stops when the puller is certified fit to work.
E-Rickshaw License Mandatory: For e-rickshaw operators, death or injury while operating without a valid commercial vehicle license or e-rickshaw registration under the Motor Vehicles Act may void the claim. Ensure all enrolled e-rickshaw pullers have valid licenses.
Group Policyholder Responsible for Member Roll: The group policyholder must maintain an accurate and current member roll. Pullers not listed in the policy schedule at the time of the accident are NOT insured. New members added during the year require endorsement.
Annual Renewal: The group policy must be renewed annually. Coverage lapses on the policy expiry date. The group policyholder is responsible for timely renewal to ensure continuous coverage for all insured pullers.
Common Questions
Enroll Your Group — For Unions, Corporations & NGOs
This form is for GROUP POLICYHOLDERS — rickshaw unions, cooperatives, municipal corporations, NGOs, and government departments. Not for individual pullers. Our specialist will contact you within one working day to design a customised scheme.
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