Chief Minister Traders: Let us talk about something that every trader, shopkeeper, and small business owner in Haryana genuinely needs to know but most have never even heard of.
Running a business takes everything out of you. You are up early, working late, managing customers, handling stock, chasing suppliers, paying taxes, and somehow keeping everything together day after day. And in the middle of all that daily grind the one thought that almost never crosses your mind is — what happens to my family and my business if something happens to me?
Because here is the truth that nobody likes to think about. An accident does not give you a warning. It does not check whether you are ready or whether your family can manage without you. One road accident, one bad fall, one unexpected injury — and the person who was holding the entire family and business together is suddenly gone or permanently unable to work. And for a family that depends entirely on a small business for its daily income that kind of situation is not just painful. It is financially devastating in a way that can take years to recover from.
The Haryana Government saw this reality and did something real about it. The Mukhyamantri Vyapari Samuhik Niji Durghatna Bima Yojana — also known as the Haryana Chief Minister Traders Group Personal Accident Insurance Scheme — was launched specifically to give the trading community of Haryana a proper financial safety net for exactly these situations. Under this scheme eligible traders get insurance coverage of up to Rs. 5 lakh in case of accidental death or permanent disability. And the part that most traders cannot believe when they first hear it — the entire premium is paid by the Haryana Traders Welfare Board. Not a single rupee comes out of the trader’s pocket.
This complete guide covers everything you need to know — what this scheme is, who qualifies, what coverage you get, what documents are needed, and exactly how the claim process works.
The Haryana Chief Minister Traders Group Personal Accident Insurance Scheme officially known as Mukhyamantri Vyapari Samuhik Niji Durghatna Bima Yojana or MMVSNDBY is a group personal accident insurance scheme run by the Haryana Traders Welfare Board HTWB under the Industries and Commerce Department of Haryana.
The scheme was built around one clear and straightforward purpose — protecting the trading community of Haryana from the financial destruction that can follow an accident. Traders run small businesses, support entire families, employ local workers, and keep the local economy moving every single day. But the hard reality is that most of them have no personal accident insurance of their own. No safety net. Nothing to fall back on if the worst happens. This scheme changes that completely.
Under this scheme all eligible registered traders in Haryana are enrolled as a group and covered under a group personal accident insurance policy. The insurance company is selected by the Haryana Traders Welfare Board and the entire premium for the group policy is paid by the Board itself. Individual traders pay absolutely nothing — the government covers that cost entirely on their behalf.
The scheme covers accidental death, permanent total disability, permanent partial disability, and loss of body organs or eyesight due to an accident. Coverage goes up to Rs. 5 lakh depending on the nature and circumstances of the claim.
Details | Information |
Scheme Name | Mukhyamantri Vyapari Samuhik Niji Durghatna Bima Yojana |
Also Known As | CM Traders Group Personal Accident Insurance Scheme |
Run By | Haryana Traders Welfare Board HTWB |
Department | Industries and Commerce Department, Haryana |
Maximum Coverage | Rs. 5 Lakh |
Premium Payment | Fully Paid by Haryana Traders Welfare Board |
Trader’s Premium Contribution | Zero — Completely Free for Traders |
Claim Filing Deadline | Within 30 Days of Incident |
Coverage Type | Accidental Death, Permanent Disability, Loss of Organs |
Nominee | Spouse or Legal Heirs |
Let us get straight to the eligibility conditions so you know exactly where you stand:
Residency
You must be a permanent resident of Haryana. This scheme is only for traders operating within Haryana — traders from other states are not eligible.
Type of Trader
The scheme covers small and marginal traders of Haryana. This includes proprietors of proprietorship firms, all partners of partnership firms, all designated partners of LLPs, the Karta of Hindu Undivided Families, and directors of companies — as long as they are properly registered under the scheme.
GST Registration
This one is non-negotiable. You must be a taxpayer registered under the GST Act — either under State GST or Central GST jurisdiction in Haryana. Traders registered under Haryana GST as on 31st March of the relevant year or on the date of registration are eligible. No GST registration means no coverage under this scheme.
Annual Turnover
For the basic coverage of Rs. 5 lakh your annual turnover must be below Rs. 20 lakh. Traders with higher turnovers may be eligible under the companion scheme Mukhyamantri Vyapari Kshatipurti Bima Yojana which provides higher coverage amounts based on turnover slabs.
Haryana Traders Association Registration
You must hold a valid registration certificate issued by the Haryana Traders Association. This confirms you are a legitimate and recognized member of the trading community in Haryana.
Quick Summary:
Condition | Requirement |
Residency | Permanent Resident of Haryana |
GST Registration | Valid HGST or GST Registration Mandatory |
Annual Turnover | Below Rs. 20 Lakh for Basic Coverage |
Trader Type | Small and Marginal Traders |
Association Registration | Haryana Traders Association Certificate Required |
Business Status | Permanently Operating in Haryana |
Let us be completely clear about what you and your family are protected against under different situations:
Accidental Death
If a registered trader dies due to an accident the family receives the full coverage amount of Rs. 5 lakh. The nominee — which is the spouse — receives this amount directly. If there is no spouse the amount goes to the legal heirs. This is the most critical coverage this scheme provides and the one that makes the biggest difference to a family that has just lost its breadwinner.
Permanent Total Disability
If the accident leaves the trader permanently and completely unable to work — such as losing both hands, both legs, both eyes, or a combination of these — the trader receives 100 percent of the insured amount which is Rs. 5 lakh.
Permanent Partial Disability
Not every accident takes everything away. Sometimes the damage is permanent but partial — meaning the trader survives but is left with a lasting physical loss that changes their life and their ability to work in a real and significant way.
If an accident results in permanent partial disability — losing one hand, one leg, or one eye for example — the trader receives a percentage of the total insured amount. The exact percentage is not the same for every situation. It depends on which body part was affected and how serious and permanent the damage is as defined in the insurance policy terms. A more significant permanent loss means a higher percentage of the insured amount is paid out.
Loss of Two Body Organs or Both Eyes
Losing two body organs or both eyes permanently in an accident is not just physically devastating — it changes virtually every aspect of a person’s daily life and completely takes away their ability to earn and support their family the way they used to.
The scheme fully recognises the weight of this kind of loss. If an accident causes permanent loss of or irreversible damage to two body organs or both eyes together the trader receives the complete full coverage amount with no deductions and no proportionate calculations. The entire insured sum is paid out.
Loss of One Body Organ or One Eye
If the accident permanently takes away one body organ or one eye the trader receives a proportionate amount based on the terms of the insurance policy that is in force at the time of the incident. It is not the full amount but it is genuine and meaningful financial support that directly acknowledges the lasting impact that losing even one organ or one eye has on a person’s life, their work, and their ability to provide for their family going forward.
What is Not Covered
This is equally important to know. The scheme covers only accidental death and accidental disability. Death due to natural causes or illness is not covered. Disability arising from illness rather than a direct accident is also not eligible. Fraudulent claims are strictly disqualified. So to be completely clear — if it is an accident you are covered. If it is illness or natural causes you are not.
The nominee under this scheme is the spouse of the registered trader. If the trader does not have a spouse the claim settlement goes to the legal heirs.
Now here is something genuinely thoughtful about this scheme. If the legal heirs happen to be minor children the Haryana Traders Welfare Board steps in and makes sure that the claim amount is placed in a Fixed Deposit in the name of the minor child. That Fixed Deposit stays untouched until the child turns 18. The moment they reach adulthood the full amount along with all the interest accumulated over the years is handed over to them directly.
This means the money does not get spent, does not get lost, and does not disappear. It sits safely and grows until the child is old enough to actually use it. That is a genuinely well thought out provision.
Yes absolutely. This is one of the best parts of this scheme that most traders do not realise. The coverage you get under this scheme is completely additional to any other personal accident insurance you may already have privately. It does not replace anything, it does not reduce anything, and it does not interfere with any existing policy in any way.
So if you already have a personal accident policy from a private insurance company and something happens to you your family can claim both — the private policy and this government scheme — completely independently. The two work alongside each other. The government scheme pays on top of whatever protection you already have in place.
The entire premium for the group insurance policy under this scheme is paid by the Haryana Traders Welfare Board. Every single rupee of it. Not a paisa is collected from individual traders.
So as an eligible registered trader in Haryana you are automatically covered under a group personal accident insurance policy at absolutely zero cost to yourself. No annual premium to remember, no monthly deduction, no renewal fees, no hidden charges anywhere. The government handles all of it completely on your behalf.
The insurance coverage runs for one year from the date the agreement is signed between the Haryana Traders Welfare Board and the selected insurance company. This can be extended for another six months with prior approval from the State Government on the same terms and conditions. After that the agreement is renewed for the next cycle and coverage continues.
For Registration:
- Aadhaar Card of the trader
- PAN Card
- Valid GST or HGST Registration Certificate
- Registration Certificate from Haryana Traders Association
- Business registration documents
- Bank Account passbook copy
- Passport size photograph
- Address Proof
For Death Claim:
- Death Certificate of the insured trader
- Post-Mortem Report confirming accidental death
- FIR from police if applicable
- Identity proof of the claimant nominee
- Relationship proof of nominee with the deceased
- Bank account details of the nominee
- Filled and signed claim form
For Disability Claim:
- Medical certificate from a recognized hospital confirming permanent disability
- Disability Certificate from Medical Board
- FIR or accident report from police
- Hospital admission and discharge records
- Bank account details of the trader
- Filled and signed claim form
Here is exactly what to do if something unfortunate happens:
The moment an accident resulting in death or permanent disability happens inform the Haryana Traders Welfare Board and the insurance company as quickly as possible. Do not wait even a day. The claim must be filed within 30 days of the incident. That deadline is fixed and missing it can mean the claim gets rejected entirely. So move fast.
Do not wait even a single day after informing the authorities. Start collecting your documents immediately — both things need to happen together.
Death certificate, post-mortem report, FIR copy from the police, disability certificate if applicable, hospital records, and identity proofs of the nominee. Go through the list and start gathering everything one by one. Remember the 30 day deadline starts counting from the very day the incident happened. Every day you delay is one less day you have. Move quickly and your claim moves quickly.
Collect the official claim form from the Haryana Traders Welfare Board or the designated insurance company. Now sit down somewhere quiet, open every document in front of you, and fill it in carefully.
Every name, every date, every number you write must match your documents exactly. Not close enough — exactly. Because even one small mismatch is enough to get your claim flagged and delayed. Take the extra few minutes and fill it right the first time.
Once your form is filled and documents are ready, submit everything together as one complete package. Do not submit in parts. And keep one thing firmly in mind — the 30 day deadline from the date of the incident is absolutely final. One day late and the claim can be rejected regardless of how genuine it is.
When you submit, always collect a proper acknowledgement receipt before leaving. Check that the submission date is clearly written on it and keep it somewhere very safe. That receipt is your proof that everything was submitted correctly and on time.
After submission the insurance company carefully goes through all your documents and verifies the circumstances of the accident. Once they are satisfied everything is genuine and complete, the settlement amount is transferred directly into the nominee’s or trader’s bank account. No cash collection, no extra visits, no middlemen — straight into the account cleanly and transparently.
Just make sure your bank account number and IFSC code in the claim form are completely correct and your registered mobile number is active. That is where the payment confirmation will arrive.
The 30 day claim deadline is absolute — do not miss it under any circumstances. This scheme covers only accidental death and disability — not natural death or illness. The entire premium is free — never pay anyone for your coverage. Keep your GST registration, Traders Association certificate, and business documents updated at all times. Make sure your nominee details and bank account information are correctly registered with HTWB. If your legal heirs are minors the HTWB will protect the claim amount through a Fixed Deposit until they turn 18. The coverage under this scheme is completely additional to any private insurance you already have. And never pay any agent or middleman to register or file a claim — always deal directly with the official HTWB office or the designated insurance company.
Contact | Details |
Department | Industries and Commerce Department, Haryana |
Implementing Body | Haryana Traders Welfare Board HTWB |
Official Website | |
Department Helpline | 0172-2701373 |
Department Email | dit-haryana@nic.in |
It is a free group personal accident insurance scheme run by the Haryana Traders Welfare Board for small and marginal traders of Haryana. It provides insurance coverage of up to Rs. 5 lakh in case of accidental death or permanent disability of a registered trader. The entire premium is paid by the Haryana Traders Welfare Board — individual traders pay absolutely nothing for this coverage.
Eligible registered traders get coverage of up to Rs. 5 lakh. The full Rs. 5 lakh is payable in case of accidental death or permanent total disability. For permanent partial disability or loss of one organ or one eye a proportionate amount is payable based on the nature and severity of the condition as defined in the insurance policy.
The entire premium is paid by the Haryana Traders Welfare Board HTWB. Individual traders contribute absolutely nothing towards the premium. The government bears the full cost of the group insurance policy on behalf of all eligible registered traders. It is completely free for the trader.
The claim must be filed with the respective insurance company within 30 days of the date of the incident. This is a hard deadline. Missing it can result in the claim being rejected outright. So if an accident happens do not sit on it — start the claim process immediately and get all documents together as fast as possible.
If the trader passes away and the legal heirs are minor children the Haryana Traders Welfare Board ensures the claim amount is placed in a Fixed Deposit in the name of the minor child. It stays there safely until the child turns 18 years old. Once they reach adulthood the full amount along with all accumulated interest is handed over to them directly. The money is protected and grows until the child is ready to receive it.
Yes completely. The coverage under this scheme sits on top of any personal accident insurance the trader may already have privately. It does not replace or reduce any existing coverage. If something happens the trader's family can claim both the private policy and this government scheme completely independently. They work alongside each other with no interference whatsoever.