The New Group Insurance Scheme for Haryana Government Employees 2025 (under the existing Haryana Government Employees New Group Insurance Scheme, 1985) is designed to provide life-insurance and savings fund benefits to state government employees. This detailed guide explains eligibility, contribution, benefits, claims procedure, tables of benefits for 2025, and important things you should know.
1. What is the Group Insurance Scheme?
The scheme is a group-insurance cum savings fund carried out under the 1985 scheme for Haryana Government employees. It combines mandatory monthly subscription by the employee (with matching contribution by the Government) and offers two major benefits: (i) life/accidental insurance cover on death in service or retirement, and (ii) a savings fund component that accumulates interest and is paid out on retirement, resignation or death.
2. Who is eligible?
- All regular Haryana Government employees included in the Schedule of the scheme (“Group-A, B, C” as notified) and whose appointment is confirmed.
- Employees who were admitted into the scheme upon joining, via Form-I or Form-II as per the rule.
- Employees whose subscriptions continue and whose records are maintained in the scheme ledger.
- In death cases: nominees/legal heirs of the subscriber are eligible if the subscriber was covered under the scheme.
3. Subscription / Contribution
Every eligible employee pays a fixed monthly subscription (deducted from salary) and the Government contributes a matching amount. The exact contribution slabs and subscription amount are fixed by the State Government. The savings fund component grows cumulatively and interest is credited periodically (quarterly or annually) as per government notification. For example, the table of benefits for the period 01-04-2025 to 30-06-2025 has been issued. :contentReference[oaicite:1]{index=1}
4. Benefits under the Scheme
The benefits are two-fold:
- Insurance/Death Benefit: On death of the subscriber while in service, the insurance cover (as notified) becomes payable to the nominee/ legal heir. The cover amount may depend on the number of years of service and contribution.
- Savings Fund Maturity Payment: On retirement, resignation, or death (if subscriber leaves service), the savings fund accumulated (subscriptions + Government contribution + interest) becomes payable to the subscriber/nominee. Tables of benefits (for savings fund) are published quarterly. :contentReference[oaicite:2]{index=2}
5. Table of Benefits – How It Works in 2025
The State issues a “Table of Benefits for Savings Fund” at regular intervals (quarterly). For example, the circular dated 4/3/97-3 NGIS provides detailed benefit tables for the period 01-07-2025 to 30-09-2025 and earlier. :contentReference[oaicite:3]{index=3}
| Period | Key Benefit Rate / Interest | Remarks |
|---|---|---|
| 01-04-2025 to 30-06-2025 | As per table issued | Latest available quarter |
| 01-07-2025 to 30-09-2025 | Table published | Future credit period |
6. How to Claim Benefits
- Obtain the correct claim form (for retirement, resignation or death) from your DDO or Scheme Office.
- Fill in subscriber details: name, employee number, scheme code, date of joining, service entries.
- Attach required documents: nomination form, service book extract, last pay certificate, monthly subscription schedule, death certificate (in case of death), bank account details etc.
- DDO forwards the claim to the Scheme Branch (HR Department) verifying that subscriptions have been regular and records updated.
- Government scrutiny: Scheme office verifies ledger, interest credited, and sanction is passed by competent authority.
- Payment is made to subscriber’s bank account or to the nominee’s account in death cases.
7. Important Terms & Conditions
- Nomination must be valid and on record; failure to nominate may delay claim.
- Subscribers must not have had any break that invalidates subscription (as per rules).
- Service period may impact benefit quantum (especially if subscriber had less than minimum service required).
- Payment is subject to the latest tables of benefits; interest or rates may change quarterly. :contentReference[oaicite:4]{index=4}
8. Common Mistakes to Avoid
- Not submitting nomination or not updating it after major life events.
- Ignoring the latest Table of Benefits and expecting outdated rate.
- Delay in submission of claim forms causing interest credit loss.
- Missing subscription entries in the ledger – always check your contributions annually.
By keeping your subscription records updated, verifying your nomination, and submitting claim forms in time, you ensure that you and your family receive the full benefit under the Group Insurance Scheme without complication.