Under this arranegment, the state government employees will get benefits at zero cost includes minimum Rs 10 lakh for Term Life Insurance (coverage for employees in the event of natural death, including death due to illness or accident), minimum Rs 1 crore for accidental death, up to Rs 1 crore for Permanent Total Disability, up to Rs 80 lakh for Permanent Partial Disability, minimum Rs 2 crore for Air Accidental Insurance (coverage for employees in case of death due to an air crash).