RAS question
What is the accidental death benefit amount under MAAY's MCDBY component?
Correct answer: (C) ₹5 lakh.
Under the Mukhyamantri Ayushman Accident Insurance Scheme's MCDBY component, the accidental death benefit for one insured family member is Rs 5 lakh.
Explanation
MAAY's MCDBY component provides accident insurance support to families insured under state government health schemes. The official scheme page says the cover is meant for accidents covered by the scheme and lists the payable benefits by type of accident damage. In that table, the benefit for the death of a family member in an accident is 5 lakh rupees. The higher Rs 10 lakh figure applies only when more than one family member dies in an accident, while the disability entries carry different amounts. Therefore, for the question asking the accidental death benefit amount under the MCDBY component for one member, the supported answer is Rs 5 lakh.
Why the other options are wrong
- (A) Rs 1 lakh is not listed as the accidental death benefit; the official table gives 5 lakh rupees for the death of one family member in an accident.
- (B) Rs 2.5 lakh does not match any benefit amount stated for accidental death in the cited scheme table.
- (D) Rs 10 lakh is payable only if more than one family member dies in an accident, not for the death of a single insured family member.
Concept
This tests Rajasthan welfare-scheme provisions, especially benefit amounts under state insurance-linked schemes. Such questions recur in RAS because exact eligibility and payout figures are part of applied state administration.