What is the BOCW Insurance Scheme and who is it meant for?

The BOCW Insurance Scheme is part of the welfare measures under the Building and Other Construction Workers (BOCW) Act, 1996. It is designed to provide social security and insurance coverage to registered construction workers across India. The scheme protects them and their families from the risks associated with their hazardous work environment.

What kind of insurance benefits are provided under this scheme?

Under the scheme, workers receive ₹2 lakh in case of natural death and ₹4 lakh in case of accidental death. If the worker suffers from permanent disability due to an accident, compensation is also provided depending on the level of disability. These benefits are available only to those who are officially registered with their state BOCW Welfare Board.

Are there any health or maternity benefits included?

Yes, in addition to life insurance, registered workers are also eligible for health support like treatment reimbursements for serious illnesses and maternity benefits. Female workers can receive paid maternity leave ranging from 90 days up to 26 weeks for up to two childbirths, depending on the state-level implementation.

How can construction workers avail these benefits?

To avail the insurance and other benefits, construction workers must register themselves with the respective State BOCW Welfare Board. After successful registration and contribution to the welfare fund, workers become eligible for insurance claims and health benefits. Most states now allow online or CSC-based registration for ease.

What are the main challenges in accessing BOCW insurance benefits?

The biggest challenge is low awareness among workers, especially migrant labourers, who often lack proper documents or access to information. Bureaucratic delays and poor coordination between state departments can also slow down benefit distribution. Efforts are ongoing to improve digital tracking and issue unique IDs for better access.

What are the main challenges in accessing BOCW insurance benefits?

The biggest challenge is low awareness among workers, especially migrant labourers, who often lack proper documents or access to information. Bureaucratic delays and poor coordination between state departments can also slow down benefit distribution. Efforts are ongoing to improve digital tracking and issue unique IDs for better access.

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BOCW Insurance Scheme For The Construction Workers

Pragya Pathak

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Updated: 28-01-2025 at 7:34 AM

BOCW Insurance Scheme For The Construction Workers

Construction workers are a country’s literal building blocks; they are one of the primary reasons behind any infrastructure ranging from small one-story buildings to magnificent skyscrapers. The profession of construction workers is not only underappreciated but also comes under the informal sector wherein they don’t get to enjoy the usual benefits associated with any kind of formal employment like paid leaves, health insurance coverage, etc.

There is always a risk involved in the work of construction workers which can be extreme at times and lead to severe impairment or disability. Therefore, they need to have access to quality medical care whenever they might need it.

To ensure that construction workers get access to quality medical care, the Union Territory of Dadra & Nagar Haveli launched an insurance scheme for construction workers at affordable rates of premium. The primary aim of providing them with health insurance coverage is to help them in cases of accidents and protect their lives by providing them with a protective shield.

Read the article to learn about the meaning, eligibility, and application process for the scheme.

Overview

Name of the initiative	Insurance Scheme for Construction Workers
Launched by	Union Territory of Dadra & Nagar Haveli
Department	Building and Other Construction Workers Welfare Board (BOCWWB), Labour Department
Objective	To provide health insurance to all the construction workers of the U.T.
Target group	Construction workers
Eligibility Criteria	Registered construction workers under BOCWWB between the ages of 18-60 years
Benefits	Health insurance coverage against accidental deaths, partial or total disability, or medical care when needed
Application mode	Offline

What Is The Insurance Scheme For Construction Workers?

The Insurance Scheme for Construction Workers was launched by the Union Territory of Dadra & Nagar Haveli under the Building and Other Construction Workers Welfare Board (BOCWWB), Labour Department. The primary aim of the Sarkari Yojana is to provide health insurance coverage to the construction workers of the U.T.

The scheme provides construction workers with a protective shield for their health and promises to protect them in cases of unfortunate accidents in workplaces leading to injuries, impairments, partial or total disability, or worst case death. The scheme gives assurance to construction workers and their families and also delivers the message that every life, especially their life matters too.

Objectives

There are several objectives of the Insurance Scheme for Construction Workers. Some of its major objectives are mentioned below in brief for one’s reference:

Health insurance coverage: The Sarkari Yojana provides health insurance coverage to the construction workers residing in the U.T.
Govt Schemes: The construction workers after registration in the scheme would automatically be enrolled in two govt schemes. i.e. the Sanjeevni Swasthya Bima Yojana, the PM Suraksha Bima Yojana, and the PM Jeevan Jyoti Bima Yojana and can avail benefits under them.
Inclusivity: The Sarkari Yojana ensures that everyone including construction workers can avail the access to quality medical care without any financial burden.

Benefits

There are many benefits of the Insurance Scheme for Construction Workers. Some of the scheme’s benefits are mentioned below in brief for one’s better understanding:

Insurance coverage: The Sarkari Yojana provides health insurance coverage for injuries, impairments, partial or total disability, or worst case death.
Automatic registration: The construction workers after registration in the scheme would automatically be enrolled in two other govt schemes. i.e. the Sanjeevni Swasthya Bima Yojana, the PM Suraksha Bima Yojana and the PM Jeevan Jyoti Bima Yojana and can avail benefits under them.
Premium rates: The premium rates of the insurance scheme are subsidised so that construction workers can enjoy medical benefits without any financial burden.
Equal safety net: The Sarkari Yojana provides a safety net to the construction workers and even their families and promises that quality medical care will be delivered in unfortunate instances.

Also Read: Gambhir Bimari Sahayata Yojana: Ensuring Health Security For Construction Workers In Uttar Pradesh

Eligibility Criteria To Apply For The Insurance Scheme For Construction Workers

Interested individuals first need to ensure whether they fit the eligibility criteria. The eligibility criteria for the Sarkari Yojana are as follows:

Applicants must be a resident of the U.T. administration of Union Territory of Dadra & Nagar Haveli.
Applicants must be registered with the Building and Other Construction Workers Welfare Board (BOCWWB).
Applicants must be between the ages of 18-60 years.
Applicants should be working as a construction worker for at least 90 days.

Application Process Of The Insurance Scheme For Construction Workers

Interested and eligible applicants can apply for the Sarkari Yojana by following some simple steps mentioned below in detail:

Step 1: Please write a request to be part of the Insurance Scheme For Construction Workers.

Step 2: Attach the supporting documents.

Step 3: Send the written application with all the documents to the Member Secretary of BOCWWB for approval.

Documents Needed For The Insurance Scheme For Construction Workers

Applicants may need to submit some supporting documents to avail of the benefits of the Sarkari Yojana such as:

Proof of age such as a birth certificate
Proof of address like utility bills
Details of current workplace
ID proof such as an Aadhaar card

Conclusion

The Insurance Scheme for Construction Workers by the Union Territory of Dadra & Nagar Haveli has proven itself to be very useful for the construction workers of the U.T. It is a step in the right direction which sends a strong message that every life matters, especially the lives of construction workers.

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