Punjab Government Employees Group Insurance Scheme 1982 🌟
The Punjab Government Employees Group Insurance Scheme (GIS) 1982 is a lifeline for Punjab Government workers, ensuring financial protection for them and their loved ones. Rolled out on October 2, 1982, this initiative has been a key pillar of employee welfare, blending insurance coverage with a savings plan.
In this guide, we’ll explore the essentials of the GIS—its coverage, mechanics, benefits, and the latest updates that have significantly boosted its payouts. Whether you’re a Punjab Government employee or just eager to learn more, let’s dive into this valuable scheme! 🚀
What is the Punjab Government Employees Group Insurance Scheme 1982? 🤔
Launched under the Punjab Civil Service Rules Volume II, Chapter 15, Appendix VII, the GIS 1982 is a compulsory scheme for most Punjab Government employees. Announced on August 15, 1982, its core purpose is to provide financial security to employees during their service and to their families in case of untimely death.
It falls under the Punjab Government Employees Welfare Fund Ordinance, 1969, and has seen periodic revisions, including a major payout enhancement in 2023.
Who Can Join the GIS 1982? 👥
✅ Mandatory Enrollment
- All employees joining Punjab Government service on or after August 15, 1982 are automatically enrolled.
🕰️ For Pre-1982 Employees
- Those already in service before August 15, 1982, could opt out by September 30, 1982.
- If they did not opt out, they were automatically included.
🚫 Not Eligible
- Employees on deputation from other states
- Part-time, ad-hoc, work-charged, or public sector employees
- Persons appointed after the age of 50
- Minors: Cannot opt out until reaching the age of majority
🆕 For those joining after January 1, 1990, insurance coverage begins from the date of joining, and full membership starts from the next anniversary (October) of the scheme.
How Does the GIS 1982 Work? ⚙️
💰 Contribution Rates
- Since January 1990, employees contribute ₹5 per month per ₹5,000 of insurance cover.
- Contributions are divided between an Insurance Fund and a Savings Fund.
📝 Administration & Process
- The Head of Office informs new employees and records their participation.
- Monthly reports (including date of birth, group, etc.) are submitted to the Drawing & Disbursing Officer.
- Contributions are logged in Form GIS-11.
- Employees nominate their beneficiaries via a designated nomination form.
🆕 As of May 31, 2025, some processes (like online nominations) may have been digitized. Please check with your Head of Office.
What Benefits Does GIS 1982 Offer? 🎁
🕊️ If the Employee Dies During Service
The nominee(s) will receive:
- Insurance Amount: Full eligible insurance at the time of death
- Savings Fund (Base Group): Accumulated savings during tenure
- Extra Units: Additional savings from promotions or group changes
🏁 On Leaving Service (Retirement/Resignation/Dismissal)
The employee receives:
- Savings Fund (Base Group)
- Extra Units for any upgraded contributions
💳 How Are Payments Processed?
- Head of Office contacts nominee using Form G.I. No. 5
- Nominee applies via Form G.I. No. 6
- Two payments are made:
- Savings Fund: Form G.I. No. 20(i)
- Insurance Amount: Through separate sanction
📈 Big Update: 2023 Rate Hike!
To enhance the scheme’s effectiveness, the Punjab Government quadrupled GIS contributions and payouts from January 1, 2023:
| Group | Previous Contribution | New Contribution | Previous Payout | New Payout |
|---|---|---|---|---|
| A | ₹120/month | ₹480/month | ₹1.2 lakh | ₹4.8 lakh 🎉 |
| B | ₹60/month | ₹240/month | ₹60,000 | ₹2.4 lakh 🎉 |
New payouts now range from ₹60,000 to ₹4.8 lakh, significantly strengthening employee welfare support.
⚠️ Note: These rates are as of January 2023. Further revisions may have been implemented by May 31, 2025. Always refer to the latest government notifications.
Key Points to Understand 📝
⚖️ Legal Clarification
- GIS benefits are only payable on death during service or within 5 years of retirement.
- Retirement alone does not entitle an employee to insurance benefits.
- A 2016 Peshawar High Court judgment does not apply to Punjab.
📋 Administrative Duties
Heads of Offices are responsible for:
- Ensuring participation
- Maintaining nomination records
- Processing payments accurately
🏢 Insurance Provider Requirements
- Must have 10+ years of life insurance experience
- Must be registered with the Company Security Exchange Commission of Pakistan
⚠️ As of May 31, 2025, new rules or updates may have been issued. Check for the latest changes.
📥 Download Important Resources
Get official documents and reference files:
- 📜 Group Insurance Scheme 1982
- 📖 Appendix-VII of CSR Volume II
- 📋 GIS Forms (GI-5, GI-6, GI-20(i), etc.)
- 📊 Table of GIS up to 2020
- 📄 2023 Rate Hike Notification
- 📋 Administrative Instructions for GIS
- ⚖️ Punjab Government Employees Welfare Fund Ordinance 1969
(Replace # with actual download links on your website)
🌟 Why GIS 1982 Is So Important
The Group Insurance Scheme 1982 is more than just a policy—it’s a crucial safety net for employees and their families. It combines the power of insurance and savings into one system. The 2023 rate hike underscores the government’s commitment to employee welfare, making GIS more effective and meaningful than ever before.
✅ Final Words
If you’re a Punjab Government employee:
- Know the scheme in detail 🧠
- Keep your nominations updated 📝
- Confirm your monthly contributions are recorded 💳
While this article is based on verified sources (like PunjabCivilRules.com), it’s important to cross-check with official records and stay informed of new updates.