The salient features of the scheme are as follows :-

1.Short title and commencement.

  • This scheme may be called the Gramin D ak Sevaks’ Group Insurance scheme, 2010.
  • It shall come into force on the date of its publication in the Official Gazette.

2. Application. – The Scheme shall apply to all Gramin Dak Sevaks of the Department of Posts.

3. Objective of Scheme. – The scheme is intended to provide for the Gramin Dak Sevaks of the Department of Posts, at a low cost and on a wholly contributory and self-financing basis, the twin benefits of an Insurance Cover to help their families in the event of death while in service and a lumpsum payment to augment their resources on completion of service in the Department.


  • The Schemes shall be compulsory for all those Gramin Dak Sevaks employed on or after the date of commencement of the Scheme.
  • The Scheme shall be optional for those Gramin Dal Sevaks in service prior to the date of commencement of the Scheme. The employee shall give his option adopting the Scheme in Form – I or Form – II,  as the case may be, appended to this scheme.
  • The option once exercised or not exercised shall be treated as final and no further choice shall be available.
  • The last date for exercising option to join or option not to join the Scheme by the Gramin Dak Sevaks employed before the date of commencement of the scheme is 31st July, 2010.
  • The minimum age of entry to the Scheme shall be Nineteen years and maximum shall be Fifty years of age as on 1st May, 2010.

5. Recovery of monthly subion.

  • In order to provide an Insurance Cover of Fifty thousand rupees, a monthly subion of Fifty rupees shall be deducted from the salary bills of Gramin Dak Sevaks.
  • The subion shall be recovered every month including the month in which Gramin Dak Sevaks ceases to be in employment on account of retirement, death, resignation, removal, etc., from service.
  • For the periods when the Gramin Dak Sevaks is not on duty, he shall be personally responsible to credit his premia in cash and in case of default, the arrear subion with the interest at the rate of one rupee per month of default shall be recovered from the salary of the Gramin Dak Sevak as and when he joins duty and draws salary.
  • If Gramin Dak Sevak dies when not on duty before recovery of premium, the arrears of subion due from him shall be recovered with interest as indicated at (3) above from the amount of benefits payable to his legal heir or nominee.

6. Financing of Scheme. -  The Scheme shall be self-financing, i.e., the entire amount of administration expenses, if any, shall be borne out of the insurance fund.

7. Loan or withdrawal from Fund. – There shall be no provision for loan or withdrawal from this Scheme fund and no bonus shall be given to member of this Scheme.

8. Management of Fund.;

  • The fund shall be called Gramin Dak Sevaks’ Group Insurance Fund and shall be maintained separately and having  no connection with the Post Office Insurance Fund.
  • The fund shall be maintained by the Department of Posts, with the advice and guidance of an Actuary on retainer basis as applicable to the Post Office Insurance Fund.

9. Payment from Insurance Fund or Savings Fund.

  1. The Scheme shall be divided in two funds, namely, the Insurance Fund and the Savings Fund, as per apportionment specified in paragraph 14.
  2. The mode of payment from respective funds shall be as under, namely:-
    1. The amount of Insurance Cover shall be Fifty thousand rupees for each unit of subion of Fifty rupees per month to be paid to the families of those Gramin Dak Sevaks who unfortunately die, due to any cause, including suicide [reference section 309 of Indian Penal Code, 1860 (No. 45 of 1860) while in service;
    2. the total accumulation of savings together  with in interest, to be decided from time to time, shall be payable to the member on his retirement after attaining the age of superannuation or cessation of his employment with the Department or to his family after his death while in service;
    3. in the case of death of a member while in service, the payment of amount of insurance shall be in addition to the payment from savings fund.

10. Nomination. -  The Head Post Office shall obtain a nomination in Form-III annexed to this Scheme from the Gramin Dak Sevaks who join the Scheme nominating one or more persons who shall be beneficiary of the amount due from the Scheme in the event of death of the insured person and if nomination is in favour of more than one person, then the insurant should specify the share payable to each nominee.

11.Accounting procedure.

  • The transaction relating relating to  the Scheme shall be accounted in accordance with procedure laid down separately.
  • The Government dues recoverable from a member of the Scheme shall not be adjusted from the amounts payable under the Scheme.

12.Sanction of claims. – The sanction of claims shall be issued by the respective Divisional Superintendents or the Gazetted Postmasters, as the case may be, on the basis of credits certificate furnished by the Head Postmasters, as the case may be, on the basis of credits certificate furnished by the Head Postmasters concerned and the claims shall be processed by the Head Post Offices concerned.

13.Other features of Scheme.

  • No medical examination shall be necessary to join the Scheme.
  • Every Gramin Dak Sevak shall be insured on ‘as is where is’ basis subject to age restriction.
  • On the absorption or promotion in the Department, the savings component shall be paid to the Gramin Dak Sevak concerned and he shell cease to be a member of the Scheme from the date of his absorption or promotion.

14.Savings and insurance promotion.

  • Out of the monthly contribution of Fifty rupees, the amount of Seventeen rupees and fifty paise and Thirty-two rupees and fifty paise shall go to the insurance Fund and Savings Fund respectively of the scheme.
  • The amount of Fifty rupees is subject to revision after the Scheme works for eighteen months and the ‘Actuary’ is able to carry out a valuation.
  • The break-up of savings and insurance portions shall also finally be decided in accordance with the results of the proposed actuarial valuation.

15.Interpretation and clarification. – In the implementation of the Scheme, if any doubt arises in regard to interpretation of any of the provisions of the Scheme or if any, point requires clarification, the matter may be referred to the Postal Life Insurance Directorate, Chanakyapuri Post Office Complex, New Delhi – 110 021.

16.Review of the Scheme. - The working of the Scheme will be reviewed every three years to ensure that the Scheme remains self-financing and self-supporting.

Page Last Updated On : 18-01-2019