Sarkari Yojana
Group Accident Insurance Scheme under PMMSY: Permanent Partial Disability Gujarat
About Group Accident Insurance Scheme under PMMSY: Permanent Partial Disability Gujarat
One component of the “Group Accident Insurance Scheme under PMMSY”, brought in by the Agriculture, Farmers Welfare and Co-operation Department, Government of Gujarat, is “Permanent Partial Disability”. PMMSY’s Insurance of Fishers sub-component protects fishers, namely fishermen, fish workers, fish farmers and all others directly engaged in fishing and associated activities, and this sub-scheme specifically covers permanent partial disability (PPD). Implementation lies with the National Fisheries Development Board (NFDB) and M/s Oriental Insurance Company Limited (OICL). The Central and State Governments bear the premium jointly, with no share from the beneficiary, and the Commissioner of Fisheries is the implementing agency.
Objective of scheme:
- To offer financial aid to a fisherman or the fisherman’s family following death/injury.
Scheme Details
Eligibility Requirements
To qualify for Group Accident Insurance Scheme under PMMSY: Permanent Partial Disability Gujarat, applicants must satisfy the following conditions:
The scheme covers fishers
The scheme covers fishers: fishermen, fish workers, fish farmers and any other individual directly working in fishing or fisheries-related activities.
Applicants must fall in the 18 to 70…
Applicants must fall in the 18 to 70 years age bracket.
The insured person cannot have been 71 years…
The insured person cannot have been 71 years of age on the accident date.
The applicant needs approval from the State/Union Territory…
The applicant needs approval from the State/Union Territory (UT) fisheries department.
Verification and certification of the claimant or insured…
Verification and certification of the claimant or insured fisher by an "Appropriate Authority" is required when claiming.
The applicant must have registered at the concerned…
The applicant must have registered at the concerned district office.
Benefits Provided
Group Accident Insurance Scheme under PMMSY: Permanent Partial Disability Gujarat provides the following benefits to eligible applicants:
Sr. No.:
1 | Name of Component: Permanent Partial Disability | Standard of assistance: ₹2,50,000/- Mode of Disbursement:
Claim money is transferred by Direct Bank Transfer…
Claim money is transferred by Direct Bank Transfer (DBT) into the savings account of the claimant, the nominee or the legal heir. Expected Time of Disbursement:
After complete claim papers are received, the insurer…
After complete claim papers are received, the insurer has 15 working days to settle; for any claim settled later, it owes 10% simple interest on the admissible sum, calculated from the document submission date to the payment date.
Documents Required
Applicants should keep the following documents ready before starting the application:
Documents (duly filled in all respects) common to all claims:
Intimation Form, completed
Intimation Form, completed
Claim Form, completed
Claim Form, completed
For the claimant/insured/nominee/legal heir/s
For the claimant/insured/nominee/legal heir/s: a cancelled cheque, or a copy of the Bank Pass Book's first page, or a copy of the bank account statement, each attested by a gazetted officer with self-attestation
Certificate from the Appropriate Authority
Certificate from the Appropriate Authority
One of the IDs on the Government of…
One of the IDs on the Government of India list of documents accepted from citizens as proof of identity and address, meaning a single acceptable Government of India-issued identity and address proof
As regards claim documents or certificates, the law…
As regards claim documents or certificates, the law of the land, together with the customs and traditions of the region, shall prevail over the documents mentioned in this agreement. Other documents required for specific kinds of accidents:
Road/Railway Accident:
Required: FIR or Railway Protection Force (RPF) report, Spot Panchnama, Inquest Panchnama, Post Mortem Report, a Valid Driving License if the insured was driving, and Death Certificate.
Drowning:
Required: FIR/Police Report, Post Mortem Report, Spot Panchnama, Inquest Panchnama, Death Certificate and the statements of two witnesses.
Missing at Sea:
Required: a declaration from the family and a certificate issued by an Appropriate Authority.
Fire:
Required: FIR/Police Report, Post Mortem Report and Death Certificate; for a completely charred body, a declaration by a family member and a certificate by an Appropriate Authority.
Poisonous Substances:
Required: FIR/Police Report, Post Mortem Report, Viscera Report, Forensic Lab Report and Death Certificate.
Lightning/Electric Shock:
Required: FIR/Police Report, Post Mortem Report, Inquest Panchnama, Spot Panchnama and Death Certificate.
Machinery:
Required: FIR/Police Report, Post Mortem Report, Spot Panchnama, Inquest Panchnama and Death Certificate.
Murder:
Required: FIR, Spot Panchnama, Inquest Panchnama, Post Mortem Report, Death Certificate and, if necessary, the Final Police Report.
Falling from Heights/Naxalite Murder/Riots
Required: FIR/Police Report, Spot Panchnama, Inquest Panchnama, Post Mortem Report and Death Certificate.
Animal-related Injury (e.g., snake bite, rabies):
Required: a registered medical practitioner's certificate on the cause of death/disablement and, when available, the FIR/Police Report, Inquest Panchnama, Post Mortem Report/Forensic Lab Report, Viscera Report (if the Post Mortem Report is inconclusive) and Death Certificate. Additional Documents for Specific Claims
Permanent Partial Disability (PPD):
Required: the original detailed discharge summary, a certificate from the treating doctor, a copy of the FIR or Medico Legal Certificate (MLC), the first consultation letter, and a government hospital specialist's disability certificate bearing a photograph. Note: Submit certified or true copies of the First Information Report (FIR) and Post Mortem Report rather than the originals.
How to Apply
Offline Application
Applicants can apply for Group Accident Insurance Scheme under PMMSY: Permanent Partial Disability Gujarat through the offline application process outlined below.
The fisher or the legal heirs need to…
The fisher or the legal heirs need to file the required documents with the concerned district office to obtain assistance.
Claim particulars must be communicated no later than…
Claim particulars must be communicated no later than 90 days after the accident through any of these approved routes:
A written letter to the Insurance Company/NFDB…
A written letter to the Insurance Company/NFDB Insurance Cell/Intermediary.
Mail sent to support@pmmsygais.com.
The intermediary's IT & ITES platforms.
A call to the NFDB Toll-Free Number (1800-425-1660).
The "Appropriate Authorities".
Note:
The full set of claim documents is due within 180 days from the accident.
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.