The Finance Department has issued guidelines for processing claims under the Chief Minister’s Life Insurance Scheme (CMLIS) and has assigned responsibilities at the district level to facilitate beneficiaries in claiming accidental insurance benefits.
The scheme provides financial assistance to dependents and nominees of breadwinners in cases of accidental deaths, including snake bites, road accidents, falls from trees, drowning, and other unforeseen incidents.
According to the new guidelines, if a postmortem is conducted, the report will suffice as proof and must be enclosed with the claim application. However, in cases where a postmortem could not be performed due to the unavailability of infrastructure or customary restrictions, the district administration is required to conduct an inquiry and submit a report.
If the deceased has already been buried and the information reaches the district administration later, the sub-divisional administrative officer must verify the claim, assess its credibility, and submit a report either concurring or rejecting the circumstances surrounding the accident.
On the other hand, if the incident is reported before the body is buried, the concerned administrative officer must conduct due verification and submit a report with necessary observations.
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