Accident Insurance in Haryana – the Need for One by the Government
12th September 2014
In Haryana, every year almost thousands of people die in various accidents involving vehicles of different shapes and sizes across the state. The situation is especially dire in the urban locations as well as the smaller towns and villages. Now, from a financial perspective people in places such as Gurgaon are better placed to counter the aftermath of such situations. Most of the people in these places are either filthy rich from having sold their agricultural land to the real estate giants, or are working professionals who are doing well in life. The situation though is not the same in the rural and suburban locations.
In these places people are either economically well off or are languishing in utter poverty. In fact, if statistics are to be believed a significant portion of the population in Haryana’s rural areas live below the poverty line without any access to even the basic facilities. For them insurance is a concept that is unheard of – at least for a significant majority. For ones, who are getting by somehow, the costs of insurance could be so high that they cannot afford such things in life.
For them, if they are involved in an accident as victims, it could mean that the costs of treatment are so high that there is almost no way out for them. The question is why does the government not have a proper constructive insurance policy for these poor and hapless people? The common riposte of the authorities in such cases is to offer some compensation for the deceased as well as the injured. While something is better than nothing the question that arises is, is this enough? The answer, perhaps, would be not.
What is needed is that the government should provide accident insurance facilities for people in Haryana. In the cities and towns, this benefit could be extended to the people who, due to their poor economic condition, may not avail the charges of private service providers. However, for this to be done effectively, the state government needs to conduct a comprehensive research of people, who genuinely need such benefits. Without such initial processes, it would be hard for the government to conduct this plan viably and it could very well turn out to be a disaster.
However, such facilities are especially needed in the rural areas, where the numbers of poor people are greater. In case the government is unable to execute this plan owing to paucity of funds then it can talk with the nationally owned insurers to offer special programs tailored for the poor people over here. The same can be done with the private companies as well. However, they need to be given some sops such as tax benefits. In the end the question pertains to mass welfare which needs to be executed.