Sarkari Yojana
Group Accident Insurance Scheme under PMMSY: Medical Treatment – Gujarat
About Group Accident Insurance Scheme under PMMSY: Medical Treatment – Gujarat
Introduced by the Agriculture, Farmers Welfare and Co-operation Department, Government of Gujarat, the “Group Accident Insurance Scheme under PMMSY” includes a component named “Permanent Partial Disability”. Under PMMSY’s Insurance of Fishers sub-component, cover is given to fishers, including fishermen, fish workers, fish farmers and others directly involved in fishing and related activities. This particular sub-scheme covers Medical Treatment. The scheme is carried out by the National Fisheries Development Board (NFDB) and M/s Oriental Insurance Company Limited (OICL); the Central and State Governments split the premium, so the beneficiary contributes nothing. The Commissioner of Fisheries acts as implementing agency.
Objective of scheme:
- To support fishermen and their families financially when death/injury occurs.
Scheme Overview
State Government
Individual
Scheme Details
Eligibility Requirements
To qualify for Group Accident Insurance Scheme under PMMSY: Medical Treatment - Gujarat, applicants must satisfy the following conditions:
Coverage is for fishers - fishermen, fish workers,…
Coverage is for fishers - fishermen, fish workers, fish farmers and other persons directly involved in fishing or fisheries-related activities.
The fisher should be aged from 18 to…
The fisher should be aged from 18 to 70 years.
The insured person must have been below 71…
The insured person must have been below 71 years of age when the accident happened.
The State/Union Territory (UT) fisheries department must have…
The State/Union Territory (UT) fisheries department must have approved the applicant.
An "Appropriate Authority" must verify and certify the…
An "Appropriate Authority" must verify and certify the claimant or insured fisher at the claim stage.
The fisher needs to be registered at the…
The fisher needs to be registered at the relevant district office.
Benefits Provided
Group Accident Insurance Scheme under PMMSY: Medical Treatment - Gujarat provides the following benefits to eligible applicants:
Sr. No.:
1 | Name of Component: Medical Treatment | Standard of assistance: ₹25,000/- Mode of Disbursement:
Through Direct Bank Transfer (DBT), the claim money…
Through Direct Bank Transfer (DBT), the claim money is credited to the savings account of the claimant, nominee or legal heir. Expected Time of Disbursement:
Once the full set of claim documents reaches…
Once the full set of claim documents reaches the insurance company, it settles the claim within 15 working days; any delay beyond this attracts 10% simple interest on the admissible claim from the date of submission until the date of payment.
Documents Required
Applicants should keep the following documents ready before starting the application:
Documents (duly filled in all respects) common to all claims:
A filled Intimation Form
A filled Intimation Form
A filled Claim Form
A filled Claim Form
Either a cancelled cheque, a copy of the…
Either a cancelled cheque, a copy of the first Bank Pass Book page, or a copy of the bank account statement of the claimant/insured/nominee/legal heir/s, attested by a gazetted officer and also self-attested
Certification issued by the Appropriate Authority
Certification issued by the Appropriate Authority
One ID from the Government of India's list…
One ID from the Government of India's list of documents acceptable from the general public as proof of identity and address, that is, one acceptable Government of India-issued proof of identity and address
For claim documents or certificates, the law of…
For claim documents or certificates, the law of the land as read with the area's customs and traditions overrides the documents set out in this agreement. Other documents required for specific kinds of accidents:
Road/Railway Accident:
FIR or Railway Protection Force (RPF) report, Spot Panchnama, Inquest Panchnama, Post Mortem Report, Valid Driving License (if the insured was the driver) and Death Certificate.
Drowning:
FIR/Police Report, Post Mortem Report, Spot Panchnama, Inquest Panchnama, Death Certificate, together with statements from two witnesses.
Missing at Sea:
The family's declaration and an Appropriate Authority's certificate.
Fire:
FIR/Police Report, Post Mortem Report and Death Certificate; if the body has been completely charred, a declaration from a family member plus an Appropriate Authority's certificate.
Poisonous Substances:
FIR/Police Report, Post Mortem Report, Viscera Report, Forensic Lab Report and Death Certificate.
Lightning/Electric Shock:
FIR/Police Report, Post Mortem Report, Inquest Panchnama, Spot Panchnama and Death Certificate.
Machinery:
FIR/Police Report, Post Mortem Report, Spot Panchnama, Inquest Panchnama and Death Certificate.
Murder:
FIR, Spot Panchnama, Inquest Panchnama, Post Mortem Report, Death Certificate and the Final Police Report if required.
Falling from Heights/Naxalite Murder/Riots
FIR/Police Report, Spot Panchnama, Inquest Panchnama, Post Mortem Report and Death Certificate.
Animal-related Injury (e.g., snake bite, rabies):
A certificate by a registered medical practitioner stating the cause of death/disablement; also, if available, the FIR/Police Report, Inquest Panchnama, Post Mortem Report/Forensic Lab Report, Viscera Report (where the Post Mortem Report gives no conclusion) and Death Certificate. Additional Documents for Specific Claims
Accidental Hospitalisation:
The original consolidated hospital bill itemising each charge, the original payment receipt, matching prescriptions, the treating doctor's certificate, a copy of the MLC and the original detailed discharge summary. Note: Only certified or true copies of the First Information Report (FIR) and Post Mortem Report are needed, not the originals.
How to Apply
Offline Application
Applicants can apply for Group Accident Insurance Scheme under PMMSY: Medical Treatment - Gujarat through the offline application process outlined below.
Fishers, or their legal heirs, should take the…
Fishers, or their legal heirs, should take the necessary documents to the relevant district office to claim assistance.
Notice of the claim must be given within…
Notice of the claim must be given within 90 days of the accident using one of these accepted means:
Writing to the Insurance Company/NFDB Insurance Cell/Intermediary
Writing to the Insurance Company/NFDB Insurance Cell/Intermediary.
Emailing support@pmmsygais.com.
Using the IT & ITES platforms offered by the intermediary.
Calling the NFDB Toll-Free Number (1800-425-1660).
Informing the "Appropriate Authorities".
Exclusions / Who Is Not Eligible
**The scheme does not cover claims for death, injury, or disablement resulting from:**
- Suicide or attempted suicide.
- Self-inflicted injury.
- Pregnancy, childbirth, or related consequences.
- Pre-existing physical or mental defects or infections.
- Influence of intoxicating liquor or drugs.
- Venereal diseases or insanity.
- Engaging in aviation or ballooning, except as a passenger on a licensed aircraft.
- Committing a breach of law with criminal intent.
- Ionizing radiation or radioactive contamination from nuclear fuel or waste.
- Nuclear weapons material.
- Service in the armed forces.
- Murder by an immediate beneficiary or nominee.
- War, invasion, civil war, rebellion, or other hostilities.
- Natural death.
- Funeral or ambulance charges (except for accidental hospitalisation claims).
- Weekly compensation or child education funds.
Official Application & Website
Verify the latest eligibility, dates and instructions before applying.