Admin issues direction for coverage of all employees

SRINAGAR: The Jammu and Kashmir administration Tuesday enjoined officials to make sure no employee is left out from the Group Personal Accidental Insurance Policy in Jammu and Kashmir.
Last month, the government renewed the Group Personal Accidental Insurance Policy for employees of J8K Government (gazetted and non gazetted) including employees of PSUs, autonomous bodies, local bodies, universities, daily rated workers, consolidated, contractual, Adhoc employees, contingent paid workers and SPOs against accidental death or disability for the third year.
The policy commences from midnight 2nd of December 2021 to 1st of December 2022, as per the agreement already executed between the Government of Jammu and Kashmir and M/s. Oriental Insurance Company Ltd. for an Insurance cover of Rs. 10 Lakhs (Rupees Ten Lakhs Only) for each employee.
A circular in this regard has been issued by the Finance Department (Insurance Section), Jammu and Kashmir.
“Since the policy is compulsory in nature, it shall be personal responsibility and liability of the DDOs/ HODs, Managing Directors, Chief Executive Officers, Registrar of Universities to register every employee under the scheme so that no employee is left out”, the circular reads.
The Nodal Officer shall not accept any intimation of accidental death or disability of any employee for processing insurance payments under this scheme unless the concerned DD0 certifies that the premium amount has been deducted from the concerned employee in time, it added.
“However, wherever due to any administrative or financial problem, the DDO could not deduct the premium of his employee(s) from the salary of the month of December 2021, he shall immediately deposit/remit the prescribed premium against the proper Head of Accounts in the concerned Treasuries through challan on or before 15th of January 2022 after collecting the premium from their left out employees to bring them under the Insurance coverage”, the circular reads.
“Accordingly, the Treasury Officers are also directed to allow/permit the remittance of the premium in cash through challan in respect of DDOs of PSUs, Autonomous Bodies etc. and such DDOs who faced administrative or financial constraint in the mandatory deduction of the premium at source from the salaries of their employees for the month of December 2021 towards Group Personal Accidental Insurance Policy”, it added.
Besides, The Treasury Officers are also directed not to entertain salary bills for the month of December 2021 without premium deduction, it reads.
The circular further stated that the employees, who are deputed outside the territorial limits of J&K, are also covered under the instant policy and they shall remit the prescribed premium through challan in the J&K Government treasuries on or before the 15th of January 2022.
Further, as per the circular, the DDO has been asked to Check and satisfy him/ herself about the genuineness of an accidental claim. Any deviation will be the personal responsibility of the DDO and the consequences arising out of such deviation. This may strictly be noted.
Further, intimation along with all relevant documents regarding the accidental death/disablement should be furnished to the Nodal Officer, Finance Department through Registered Post/Speed Post only with acknowledgement due or through a messenger against proper receipt. The Nodal Officer, Finance Department shall not be held responsible, if any intimation sent by any other means gets lost in transit.