Insurance Facility for Karnataka State Private Commercial Transport Workers

 Karnataka State Private Commercial Transport Workers Accident Compensation Scheme.

The Government of Karnataka, through the Karnataka State Unorganized Workers Social Security Board, has launched a special initiative — the Private Commercial Transport Workers Accident Compensation Scheme.

This welfare program aims to provide financial protection and social security to drivers, operators, and cleaners of private commercial vehicles, who face a high risk of accidents during their work. The scheme ensures that in the event of an accident — whether on or off duty — workers and their families receive financial relief and support.

Objective of the Scheme

Private transport workers often face life-threatening risks due to long working hours and road-related hazards. In the unfortunate event of an accident, disability, or death, their families suffer both financial and emotional hardship.

To address this, the Karnataka government introduced this scheme to provide compensation and educational assistance, ensuring social and economic security for affected families.

 Eligibility Criteria

• To become a beneficiary under the scheme, applicants must meet the following conditions:
• Must be a resident of Karnataka.
• Age limit: Between 20 and 70 years.
• Should be a driver, operator, or cleaner of a private commercial transport vehicle.
• Benefits are applicable only in case of accidents (on or off duty).
• Drivers are automatically covered; no separate registration is required.
• Operators and cleaners must register with the District Registration Officer under the scheme.
• The worker must hold a valid commercial vehicle driving license (for drivers).
• Workers who have changed professions at the time of the accident are not eligible for compensation.

 Benefits Under the Scheme

•  In Case of Death  -  Compensation of ₹5,00,000 will be provided to the nominee of the deceased worker.
•  In Case of Permanent Disabilit - Compensation of up to ₹2,00,000 will be given, depending on the extent of disability.
•  In Case of Temporary Disability - For hospitalization less than 15 days: Up to ₹50,000 or the actual hospital cost, whichever is lower. For hospitalization more than 15 days: Up to ₹1,00,000 or the actual hospital cost, whichever is lower.

Application Procedure:

• To claim the benefits, the following process should be followed:
• The beneficiary or nominee must submit an application form to the Board within one year of the accident.
• In case of death: The nominee should attach:
• Death certificate
• Post-mortem report
• FIR copy
• Valid driving/operating license
• Cleaner’s registration ID card

In case of disability: Submit:

• FIR copy
• Valid driving/operator license or registration ID
• Original medical certificate
• Hospital bills for inpatient expenses

If the application is approved, the compensation amount is directly transferred to the applicant’s bank account.

Educational Financial Assistance:

To ensure continued education for dependents, the scheme provides annual financial aid to the children of workers who have died or become permanently disabled due to an accident.

• Assistance amount: ₹10,000 per child per year
• Applicable for: Up to two children, from Class 1 to Class 12
• Applications can be submitted through the District Labour Office or directly to the Board.
• The financial assistance is credited directly to the applicant’s bank account.

To know more / apply Click here