Bihar Pravasi Majdoor Bima Yojana — Quick Overview
| Scheme Name | Bihar Pravasi Majdoor Durghatna Bima Yojana 2026 — Free Accident Insurance ₹2 Lakh for Migrant Workers | labour.bih.nic.in |
| State | Bihar (बिहार) |
| Launched By | Government of Bihar |
| Launch Year | 2019 |
| Benefit | Death: ₹2 lakh | Permanent full disability: ₹1 lakh | Partial disability: ₹75,000 — FREE premium, state-funded |
| Category | Employment |
| Beneficiaries | Over 10 lakh Bihar migrant workers registered under PADAM |
| Last Verified | 26 May 2026 |
| Official Portal | https://labour.bih.nic.in |
What is Bihar Pravasi Majdoor Bima Yojana?
Bihar Pravasi Majdoor Durghatna Bima Yojana (PADAM) provides free accident insurance coverage to Bihar migrant workers who travel to other states for employment. The scheme is entirely state-funded — zero premium for workers. Coverage: death ₹2 lakh, permanent full disability ₹1 lakh, permanent partial disability ₹75,000. Workers can register at Bihar Labour Department offices or at designated railway station counters (Patna Junction and other major stations) before departing for work. Run by Labour Department, Bihar. Portal: labour.bih.nic.in.
Under this scheme, eligible beneficiaries receive Death: ₹2 lakh | Permanent full disability: ₹1 lakh | Partial disability: ₹75,000 — FREE premium, state-funded. The scheme was launched in 2019 and is implemented by the Government of Bihar.
बिहार प्रवासी मजदूर दुर्घटना बीमा योजना (PADAM) — दूसरे राज्यों में काम करने जाने वाले बिहार मजदूरों को मुफ्त दुर्घटना बीमा। शून्य premium। मृत्यु: ₹2 लाख | पूर्ण विकलांगता: ₹1 लाख | आंशिक विकलांगता: ₹75,000। railway station पर या labour.bih.nic.in पर registration करें।
मृत्यु: ₹2 लाख | पूर्ण विकलांगता: ₹1 लाख | आंशिक विकलांगता: ₹75,000 — शून्य premium — राज्य funded
बिहार प्रवासी मजदूर दुर्घटना बीमा योजना (PADAM) उन बिहारी मजदूरों के लिए है जो रोजी-रोटी की तलाश में दूसरे राज्यों में जाते हैं। इस योजना के तहत दुर्घटना में मृत्यु होने पर परिवार को ₹2 लाख, पूर्ण विकलांगता पर ₹1 लाख और आंशिक विकलांगता पर ₹75,000 दिए जाते हैं। यह बीमा पूरी तरह सरकारी खर्च से है — मजदूर को कोई premium नहीं देना। पटना जंक्शन और अन्य प्रमुख रेलवे स्टेशनों पर जाने से पहले registration होती है।
📌 फायदा: मृत्यु: ₹2 लाख | पूर्ण विकलांगता: ₹1 लाख | आंशिक विकलांगता: ₹75,000 — शून्य premium
पात्रता:
बिहार के प्रवासी मजदूर, आयु 18-59 वर्ष, बिहार छोड़ने से पहले registration अनिवार्य।
अर्ज कसा करावा:
Labour Department Office या Patna Junction railway counter पर जाएं, Aadhaar, photo, bank passbook लेकर PADAM form भरें। Online: labour.bih.nic.in पर।
Benefits of Bihar Pravasi Majdoor Bima Yojana
✅ Death: ₹2 lakh | Permanent full disability: ₹1 lakh | Partial disability: ₹75,000 — FREE premium, state-funded
मृत्यु: ₹2 लाख | पूर्ण विकलांगता: ₹1 लाख | आंशिक विकलांगता: ₹75,000 — शून्य premium — राज्य funded
Who is Eligible for Bihar Pravasi Majdoor Bima Yojana?
- ✓ Bihar permanent resident migrant worker who travels to other states for employment
- ✓ Age 18 to 59 years at time of registration
- ✓ Must register BEFORE leaving Bihar for work (at Labour Department office or railway station counter)
- ✓ Informal sector workers — construction, agriculture, factory, domestic work all covered
- ✓ Registration is free — no fee, no premium required
- ✓ Aadhaar Card mandatory for registration
Documents Required for Bihar Pravasi Majdoor Bima Yojana
How to Apply for Bihar Pravasi Majdoor Bima Yojana Online?
- 1काम पर जाने से पहले (departure से पहले) बिहार में registration करना अनिवार्य है
- 2नजदीकी Labour Department Office में जाएं या Patna Junction / major railway station counter पर जाएं
- 3PADAM Registration Form भरें — नाम, आधार, destination state, work type
- 4Aadhaar Card, photo, और bank passbook जमा करें
- 5Registration card / certificate मिलेगा — इसे हमेशा साथ रखें
- 6Online: labour.bih.nic.in पर भी registration कर सकते हैं
- 7दुर्घटना होने पर: परिवार तुरंत Labour Department और संबंधित राज्य के बिहार प्रवासी सहायता केंद्र को सूचित करें
- 8Death/disability claim: labour.bih.nic.in पर claim form भरें + documents जमा करें → ₹2 लाख/₹1 लाख/₹75,000 मिलेगा
Official Government Portal — Bihar
Apply directly on the official Bihar government website. This is the only authorised portal — never pay anyone to apply on your behalf. Application is completely free.
🔗 labour.bih.nic.in — Pravasi Majdoor RegistrationFrequently Asked Questions — Bihar Pravasi Majdoor Bima Yojana
Common Questions About Bihar Government Schemes
What is Bihar Student Credit Card Yojana?+
It is a Bihar state scheme providing education loans up to ₹4 lakh at 4% simple interest (1% for girls and disabled) to Class 12 passed students for pursuing higher education.
How to apply for Bihar Student Credit Card?+
Apply online at 7nishchay-yuvaupmission.bihar.gov.in or visit your nearest District Registration and Counselling Centre (DRCC) with your documents.
How much money is given under Kanya Utthan Yojana?+
₹2,000 at birth (for BPL families); ₹1,000 at immunisation; sanitary napkin allowance ₹300/year from Class 7; uniform allowance ₹600–₹1,500; and ₹25,000 on passing Class 12 and ₹50,000 on graduating.
How to apply for Kanya Utthan Yojana graduation benefit?+
Apply online at medhasoft.bih.nic.in. Log in with your registration number, fill the application form, and upload required documents.
मुख्यमंत्री उद्यमी योजना बिहार में क्या मिलता है?+
₹10 लाख — ₹5 लाख अनुदान (वापस नहीं देना) और ₹5 लाख ब्याज-मुक्त ऋण जो 84 महीने की EMI में चुकाना होता है।
📰 Latest News & Updates — Bihar Pravasi Majdoor Bima Yojana
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