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The erstwhile princely state of Mysore under the visionary eye of the then Dewan Sir K. Sheshadri Iyer, pioneered and promoted Life Insurance to ensure ‘INSURANCE SECURITY FOR GOVT. SERVANTS’ which signalled the establishment of Mysore Government Insurance Department on 20.07.1891.  This was later christened as Karnataka Government Insurance Department.

The KGID assures adequate financial security for the Govt. Employees on their attaining the age of 55 years and financial benefits to their dependents in the event of untimely death while in service.

The scheme which was first started for male government servants in the year 1891, was extended to female government servants in the year 1894 and later on to the general public of the then state of Mysore in the year 1915.

In the year 1946, the department entered the field of Motor Insurance.

Consequent on the nationalization of Life Insurance business in India in the year 1956, the public branch of the department was merged with L.I.C of India, leaving the department with the Compulsory Life Insurance Scheme for state government servants only as per Section 118(c) of the Insurance Act 1938.

Similarly, the General Insurance business in India was also nationalized in the year 1973.  Thereafter, from 1973 onwards the department was left with the Compulsory Motor Insurance only for government vehicles and vehicles in which the state government have substantial financial interest.

The Department also administers Family Benefit Fund Scheme.  The administration of the Group Insurance Scheme for state government employees was also transferred to this department w.e.f. 10.03.2011.

The Department has the unique honour of being a pioneer State Insurance Department completing more than 100 years of experience. 

The Department is being run on modern accepted maxims of insurance principle with low premium rate; low expenses of management and high bonus rate to policyholders.  The expenditure of the department comes under non-plan scheme initially and at the end of the year is debited to Insurance Fund.  There is no direct contact with the general public.


Last Updated: 26-02-2020 12:43 PM Updated By: Admin

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