Group Accident Insurance Scheme under PMMSY: Accidental death or Permanent Total Disability Gujarat

Applicants must be fishers, meaning fishermen, fish workers,…

Applicants must be fishers, meaning fishermen, fish workers, fish farmers or anyone else directly engaged in fishing or fisheries-related work.

Age has to be between 18 and 70…

Age has to be between 18 and 70 years.

On the date of the accident, the insured…

On the date of the accident, the insured must not have reached 71 years of age.

Approval by the State/Union Territory (UT) fisheries department…

Approval by the State/Union Territory (UT) fisheries department is necessary.

When a claim is made, an "Appropriate Authority"…

When a claim is made, an "Appropriate Authority" has to verify and certify the claimant or insured fisher.

Registration at the concerned district office is required

Registration at the concerned district office is required.

Sr. No.:

1 | Name of Component: Accidental death or Permanent Total Disability | Standard of assistance: ₹5,00,000/- | Minimum Time Limit (in Years) for Reclaiming Benefits: Once to the legal heir after death Mode of Disbursement:

The claim is paid by Direct Bank Transfer…

The claim is paid by Direct Bank Transfer (DBT) straight into the savings account of the claimant, nominee or legal heir. Expected Time of Disbursement:

Claims are settled by the insurance company within…

Claims are settled by the insurance company within 15 working days of receiving all claim documents. If settlement takes longer, the insurer pays 10% simple interest on the admissible amount from the date documents were submitted until payment.

The Intimation Form

The Intimation Form

The Claim Form

The Claim Form

A cancelled cheque of the claimant/insured/nominee/legal heir/s (or)…

A cancelled cheque of the claimant/insured/nominee/legal heir/s (or) a copy of the first page of their Bank Pass Book (or) a copy of their bank account statement, attested by a gazetted officer and self-attested

The Appropriate Authority's certification

The Appropriate Authority's certification

Any one ID from the Government of India's…

Any one ID from the Government of India's list of documents accepted from the public as proof of identity and proof of address, i.e., any one Government of India-issued ID accepted as proof of identity and address

Where claim documents or certificates are concerned, the…

Where claim documents or certificates are concerned, the law of the land read with local customs and traditions will take precedence over the documents listed in this agreement. Other documents required for specific kinds of accidents:

Road/Railway Accident:

The First Information Report (FIR) or Railway Protection Force (RPF) report, Spot Panchnama, Inquest Panchnama, Post Mortem Report, a Valid Driving License (where the insured was driving) and the Death Certificate.

Drowning:

The First Information Report (FIR)/Police Report, Post Mortem Report, Spot Panchnama, Inquest Panchnama, Death Certificate and two witness statements.

Missing at Sea:

A family declaration along with a certificate from an Appropriate Authority.

Fire:

The First Information Report (FIR)/Police Report, Post Mortem Report and Death Certificate; where the body is fully charred, a family member's declaration and an Appropriate Authority certificate are needed.

Poisonous Substances:

The First Information Report (FIR)/Police Report, Post Mortem Report, Viscera Report, Forensic Lab Report and Death Certificate.

Lightning/Electric Shock:

The First Information Report (FIR)/Police Report, Post Mortem Report, Inquest Panchnama, Spot Panchnama and Death Certificate.

Machinery:

The First Information Report (FIR)/Police Report, Post Mortem Report, Spot Panchnama, Inquest Panchnama and Death Certificate.

Murder:

The First Information Report (FIR), Spot Panchnama, Inquest Panchnama, Post Mortem Report, Death Certificate and, where needed, the Final Police Report.

Falling from Heights/Naxalite Murder/Riots

The First Information Report (FIR)/Police Report, Spot Panchnama, Inquest Panchnama, Post Mortem Report and Death Certificate.

Animal-related Injury (e.g., snake bite, rabies):

A registered medical practitioner's certificate confirming the cause of death/disablement, plus, where available, the First Information Report (FIR)/Police Report, Inquest Panchnama, Post Mortem Report/Forensic Lab Report, Viscera Report (if the Post Mortem Report is not conclusive) and Death Certificate. Additional Documents for Specific Claims

Permanent Total Disability (PTD):

The original detailed discharge summary, the treating doctor's certificate, a copy of the FIR or Medico Legal Certificate (MLC), the first consultation letter, and a disability certificate with photograph from a specialist at a government hospital. Note: Certified or true copies of the First Information Report (FIR) and Post Mortem Report must be given; originals are not needed.