Shreya Gupta
On 3rd May, 2025, Jharkhand Chief Minister Hemant Soren officially launched the Advocates Health Insurance Scheme during an event in Ranchi. The scheme, which became effective from 1st May 2025, is designed to benefit nearly 27,000 advocates and their families who are registered under the Jharkhand Advocates’ Welfare Fund Trustee Committee. In the initial phase, 15,000 advocates have already been linked to the scheme. A key highlight of the initiative is that beneficiaries do not need to pay any premium amount initially, making it highly accessible. The health insurance plan offers cashless medical treatment coverage of up to ₹5 lakh per family annually for general illnesses and up to ₹10 lakh for critical illnesses, applicable both within Jharkhand and outside through the network of over 2,500 empanelled hospitals, in collaboration with Tata AIG Health Insurance Company, the selected provider via L1 bidding.
The scheme also defines the dependents eligible for coverage, which includes spouse, unemployed sons up to 25 years, unmarried/widowed/abandoned daughters, minor siblings, and dependent parents with a pension of less than ₹9,000 per month. Additionally, disabled dependents are eligible for lifetime coverage. In cases involving female advocates, one parent or mother-in-law can also be counted as a dependent. However, if both spouses are state government employees, they cannot be dependents of each other, and their children will be considered dependents of only one.
For Category C applicants, i.e., advocates registered under the High Court-level Trustee Committee, the premium for the current policy period (1st May 2025 – 28th February 2026) is ₹5,000 per family, payable collectively through a bulk payment system by April 23, 2025. For the next policy cycle (1st March 2026 – 28th February 2027), the premium will increase to ₹6,000, to be paid by 20th February 2027. These rates are subject to revision by the concerned authority. A PVC health card will be issued free of cost to each beneficiary and their dependents. Furthermore, the insurance includes 15 days of pre-hospitalization and 30 days of post-hospitalization care, with all such expenses borne by the insurance provider.
Even if an advocate or their family already holds separate health insurance from a private or Government provider, they can still benefit from this scheme. Additionally, Tata AIG will maintain a corporate buffer of ₹50 crores from its own funds to ensure seamless implementation and emergency support. This comprehensive, Government-supported initiative aims to provide much-needed healthcare security to the legal community in Jharkhand.
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