Hospitalisation Relief Scheme - Telangana

Why was the Hospitalisation Relief Scheme Introduced

Before the Hospitalisation Relief Scheme, most construction workers in Telangana faced severe financial vulnerability whenever an unexpected accident or illness led to hospitalisation. With no employer-provided sick leave or safety nets in the informal construction sector, taking time off to recover meant a complete loss of daily wages alongside rising medical expenses.

The Government of Telangana introduced the scheme to extend direct income protection to registered construction workers during periods of temporary disability or illness. The scheme provides fixed daily financial assistance during hospital stays of 5 consecutive days or more. While government health insurance schemes like Ayushman Bharat Yojana, CGHS, and PMASBY cover inpatient medical expenses, they do not compensate for lost daily earnings. The Hospitalisation Relief Scheme fills this gap by providing direct financial assistance to protect workers' daily livelihoods while they recover.

Hospitalisation Relief Scheme - Key Highlights

Who is Eligible for the Hospitalisation Relief Scheme

To be eligible for the Hospitalisation Relief Scheme, an applicant must meet the following criteria:

• Board Registration: You must be a registered building or other construction worker with the Telangana Building & Other Construction Workers Welfare Board (tbocwwb.telangana .gov.in).
• Hospitalisation Duration: You must be hospitalized for at least 5 consecutive days due to an accident or a disease leading to temporary disability.
• Reason for Admission: Hospitalisation must be for medical treatment of accidental injury or illness (routine checkups or minor treatments without at least 5 days of inpatient admission are not covered).

What Hospitalisation Relief Scheme Covers

• Daily Wage Loss Allowance: Beneficiaries get financial support worth ₹300 for each day during their hospital stay in order to compensate for the loss of income.
• Maximum Monthly Limit: The total financial assistance available through this scheme is limited to ₹4,500 per month.
• Duration of Hospitalisation: In order to be eligible for coverage, the worker should remain in a hospital for a period of 5 or more days.
• Conditions Covered by the Scheme: The scheme is applicable for inpatient care due to accidental injury or illness leading to temporary disability.
• Extension Due to Serious/Terminated Illnesses: If the illness falls under the category of serious or terminal, the duration of coverage can be extended up to 3 months.

Documents Required to Apply for Hospitalisation Relief Scheme

To apply for the Hospitalisation Relief Scheme under the Telangana Building & Other Construction Workers Welfare Board (TBOCWWB), you need to submit the following documents:

Documents for Registration & Identification of Workers

• Passport Size Photograph
• Worker Registration Card: Attested copy as per the BOCW Act.
• Copy of Renewal Challan: As proof of active registration / payment of fees.

Medical & Hospital Documents

• Hospital Admission / Discharge Card: As proof of continuous stay in the hospital for a minimum of five days.
• Medical Certificate / Doctor Certificate: As issued by a medical officer of rank not less than Assistant Civil Surgeon in a Government Hospital or Primary Health Centre (PHC).

Financial Documents:

• Bank Passbook: Attested copy of the first page showing the account number and IFSC code of the applicant.
• Copy of Receipt With Stamp of Advance Payment: Attested copy signed by the applicant for the claim.
• Digital Health Identification Card (Optional but Recommended): Copy/Number of Ayushman Card / ABHA Health ID.

How to Apply Step-by-Step Hospitalisation Relief Scheme

Step 1: Download the Application Form:

• Visit the Telangana BOCW Board Official Portal (tbocwwb.telangana.gov.in).
• Click on the Downloads option in the top menu and download the application form for the Hospitalisation Relief Scheme. Alternatively, obtain a physical copy from your local Labour Department office.

Step 2: Filling in the Mandatory Details

• Mandatory fields should be filled in, including BOCW registration details, admission/discharge dates to the hospital, etc.

Step 3: Submission of Required Documents

• You need to self-attest and attach copies of your Worker Registration Card, Renewal Challan, Hospital Admission Card/Discharge Certificate, Medical Certificate (issued by Govt. Hospital/PHC Assistant Civil Surgeon), first page of your Bank Passbook and Advance Stamped Receipt.

Step 4: Submission to Assistant Labour Officer:

• The duly filled form along with all the documents must be submitted to the concerned Assistant Labour Officer (ALO) or Assistant Commissioner of Labour.

Step 5: Receiving the Acknowledgement

• It is important that you receive the signed acknowledgement from the officer. It must bear the date and time of submission and your application/reference number as well
• After verification by the Labour Department, the relief fund is paid into the bank account of the person applying.

How to Find out the Status of the Application

In order to find out the status of your Hospitalisation Relief Scheme application, you may use any one of the following methods:

By online method using the Telangana Labour Department Portal

• Via online method through the Telangana Labour Department Website
• Visit the page of Telangana Labour Department Application Status
• Visit the portal page
• Provide your BOCW Registration Number / Application Reference Number
• Click on the Search / Submit button.

Via Mobile App

• Download the official TbocwwBoard app from the Google Play Store.
• Open the app and select Claims Application Status.
• Type in your worker registration number or scan the QR code printed on your worker registration card to check progress.

Offline at District Labour Office

• Go to the office of the Assistant Labour Officer (ALO) or Assistant Commissioner of Labour from whom you had made your claim.
• Submit your acknowledgement receipt along with your registration card.

Support and Contact Information

Other Government Schemes

• Mukhyamantri Noni Sashaktikaran: is a state scheme of Chattisgarh, which involves an initial amount of Rs. 20,000 for the empowerment of daughters of construction workers.
• Ayushman Bharat (AB PM-JAY): Health insurance flagship scheme under which Rs. 5 Lakhs of cover against cashless hospitalisation is provided to each family per year.
• Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY): Central Life Insurance scheme that offers cover of Rs. 2 lakhs in case of death due to any reason.
• Nirmaan Shramik Mrtyu Evan Divyaang Sahaayata Yojana: introduced to provide financial and social security to construction workers and their families in cases of natural death, accidental death, or permanent disability during work.
• Pradhan Mantri Suraksha Bima Yojana (PMSBY): Accidental Insurance that offers cover of Rs. 2 lakhs in case of accidental death and total disability, and Rs. 1 lakh in case of partial disability.

Other Government Schemes of Telangana

• Telangana New Employees Health Scheme (NEHS): state health insurance which offers a cashless treatment at empanelled hospitals for low income households.
• PMJAY Telangana: Joint state and Central Health Scheme that offers a medical coverage of up to ₹5 lakh per year to low-income families.
• Relief and Welfare Measures for Anganwadi & ASHA Workers: Grants that include health insurance provided by the state government for health care workers in case of emergencies or surgery.
• Rajiv Aarogyasri Scheme Telangana: community health insurance scheme, which provides cashless medical treatment for serious ailments free of cost, to the Below Poverty Line (BPL) families.