GAISGUJ1
Group Accident Insurance Scheme under PMMSY: Accidental death or Permanent Total Disability Gujarat
7.2/10The scheme aims to provide financial assistance to fishermen/fishermen's families in case of death or injury. Through this scheme, insurance coverage for death permanent partial disability is provided to eligible fishers.
States / UT: Gujarat
Nodal department: Agriculture, Farmers Welfare and Cooperation Department
Scheme for: Individual
Scheme profile
DBT (direct benefit transfer): No
Categories: Agriculture,Rural & Environment, Banking,Financial Services and Insurance
Sub-categories: Insurance
Target beneficiaries: Individual
Tags: Accident, Death, Disability, Fishermen
Details
The scheme "Group Accident Insurance Scheme under PMMSY" with a component "Accidental death or Permanent Total Disability" is introduced by the Agriculture, Farmers Welfare and Co-operation Department, Government of Gujarat. Insurance of Fishers is one of the sub-components of the PMMSY, and it provides insurance coverage to fishers, which includes fishermen, fish workers, fish farmers, and other individuals directly involved in fishing and related activities. The sub scheme offers coverage for death, permanent total disability (PTD). The National Fisheries Development Board (NFDB) and M/s Oriental Insurance Company Limited (OICL) implement the scheme. The premium cost is shared between the Central and State Governments, with no contribution from the beneficiary. The implementing agency of the scheme is the Commissioner of Fisheries.
Objective of scheme:
- To financially assist the fisherman/fisherman's family in case of death/injury.
Benefits
- Sr. No. Name of Component Standard of assistance Minimum Time Limit (in Years) for Reclaiming Benefits 1. Accidental death or Permanent Total Disability₹5,00,000/-Once to the legal heir after death Mode of Disbursement:
- The claim amount is deposited directly into the claimant's, nominee's, or legal heir's savings account via Direct Bank Transfer (DBT). Expected Time of Disbursement:
- The insurance company will settle the claim within 15 working days of receiving the complete claim documentation. If a claim is not settled within this period, the insurance company will pay a simple interest of 10% on the admissible claim amount from the date of document submission until the payment date
Sr. No.Name of ComponentStandard of assistance*Minimum Time Limit (in Years) for Reclaiming Benefits**1. Accidental death or Permanent Total Disability₹5,00,000/-Once to the legal heir after death
Mode of Disbursement:
- The claim amount is deposited directly into the claimant's, nominee's, or legal heir's savings account via Direct Bank Transfer (DBT).
Expected Time of Disbursement:
- The insurance company will settle the claim within 15 working days of receiving the complete claim documentation. If a claim is not settled within this period, the insurance company will pay a simple interest of 10% on the admissible claim amount from the date of document submission until the payment date.
Eligibility
- The applicant must be a fisher, which includes fishermen, fish workers, fish farmers, and any other person directly involved in fishing or fisheries-related activities.
- The applicant must be between 18 and 70 years old.
- The insured person should not have been 71 years of age on the date of the accident.
- The applicant must be approved by the State/Union Territory (UT) fisheries department.
- At the time of a claim, the claimant or insured fisher must be verified and certified by an "Appropriate Authority".
- The applicant should have registered himself in the concerned district office.
Exclusions
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.
How useful is this scheme?
A practical look at this scheme for citizens
AI-generated insights showing how useful, accessible, and practical this scheme may be — combining deterministic scoring rules with a public-policy LLM analyst.
- Accessibility7.0
- Financial impact9.5
- Rural utility7.0
- Awareness4.5
- Simplicity5.0
- Inclusivity7.0
What problem does this scheme solve?
The scheme provides essential financial support to fishermen and their families in case of accidents, addressing a critical need in the fishing community.
Key challenges addressed
- Financial assistance for accidental death or permanent disability
Most beneficial for
- Fishermen
- Fish workers
- Fish farmers
Likely challenges
- Awareness of the scheme
- Complexity in claim submission
Practical insights for citizens
The scheme is practical but requires better awareness and support for claim processes.
Rural challenges
- Limited awareness of the scheme
- Access to district offices may be difficult
Digital challenges
- Low digital literacy among target beneficiaries
Implementation bottlenecks
- Verification process can delay claims
Awareness challenges
- Lack of outreach in fishing communities
Application analysis
- Application mode
- Offline office
- Documents burden
- Moderate, requires specific documentation
- Verification complexity
- Moderate, requires certification from authorities
- Office dependency
- High, requires interaction with district office
- DBT dependency
- Yes, benefits are disbursed via Direct Bank Transfer
- CSC support
- Limited
- Estimated citizen effort
- Moderate effort required for claim submission
Estimated beneficiary reach
Benefit analysis
- Benefit type
- Cash
- Benefit frequency
- One-time payment
- Benefit practicality
- High, as it provides substantial financial support
- Financial meaningfulness
- Very high, given the amount of ₹5,00,000
- Long-term impact
- Positive, as it provides security to fishing families
Plain-language guidance
This scheme offers financial help to fishermen and their families in case of accidents. It provides up to ₹5,00,000 for accidental death or permanent disability.
- Who should apply
- Fishermen, fish workers, and fish farmers aged 18 to 70.
- Who may struggle
- Individuals unfamiliar with the claim process or lacking necessary documents.
- Best application route
- Apply through the local district office with required documents.
This intelligence section is generated by an AI policy analyst combined with rule-based scoring. Scores and narrative are estimates derived from the publicly available scheme information shown on this page; actual experience may vary by state, district, and department. Always confirm details on the official portal before you apply.
Application Process
Offline
- Fishers or their legal heirs must submit the required documents to the concerned district office for assistance.
- The claim details must be intimated within 90 days of the accident via one of the following recognised communication methods:
- Letter to the Insurance Company/NFDB Insurance Cell/Intermediary.
- Email to support@pmmsygais.com.
- Through the IT & ITES platforms provided by the intermediary.
- Via the NFDB Toll-Free Number (1800-425-1660).
- To the "Appropriate Authorities".
Note: All claim documents must be submitted within 180 days of the accident.
Clarifications
Additional points from the scheme information published on myScheme (not legal advice).
- What is the scheme is about?
The Group Accident Insurance Scheme (GAIS) is a component of the Pradhan Mantri Matsya Sampada Yojana (PMMSY) that provides insurance coverage to fishers, fish workers, fish farmers, and others involved in fishing-related activities
- What does the Accidental Death or Permanent Total Disability (PTD) benefit cover?
The scheme provides a benefit of ₹5,00,000/- for accidental death or permanent total disability.
- What is considered a "Permanent Total Disability" under this scheme?
Permanent Total Disability is defined as an injury that, within 12 months of the accident, is the sole and direct cause of the insured person being permanently, totally, and absolutely disabled from engaging in any occupation or employment.
- Who is eligible for this benefit?
Eligible individuals are men and women fishers between the ages of 18 and 70, as approved by the State/UT fisheries department. The insured person must not have completed 71 years of age on the date of the accident.
- What is the policy's duration?
The insurance cover is valid for a period of 12 months.
- How is the premium paid for the insurance?
The entire premium amount is paid by the Central and State Governments, with no contribution from the beneficiary.
- How do I report a claim for accidental death or permanent total disability?
The claim must be intimated to M/s Oriental Insurance Company Limited (OICL) within 90 days from the date of the accident.
- What documents are required to file a claim?
Common documents include the Intimation Form, Claim Form, a cancelled cheque or bank passbook copy, Certification by an Appropriate Authority, and a government-issued ID. Additional documents, such as the First Information Report (FIR) and Post Mortem Report, are required for specific accidents.
- Where do I submit the claim documents?
All hard copies of the insurance claim documents should be sent to the Insurance Cell at the National Fisheries Development Board (NFDB) after being uploaded to the PMMSY-GAIS MIS Portal.
- How long does it take for a claim to be settled?
The insurance company will settle a claim within 15 working days of receiving all complete documentation.
- What happens if the insurance company delays the claim payment?
If an admissible claim is not settled within 15 days, the insurance company will pay a simple interest of 10% on the claim amount from the date of document submission until the date of payment.
- Will the claim be paid to the family or the insured person?
The payment is made directly to the claimant, nominee, or legal heir's savings account via Direct Bank Transfer (DBT).
- Are there any exclusions to the accidental death or PTD coverage?
Yes, the policy does not cover death or disability resulting from suicide, self-inflicted injury, pre-existing conditions, drug or alcohol use, criminal acts, or war. Natural death is also not covered.
- What is the role of the State/UT Fisheries Department in the claims process?
The State/UT department is responsible for identifying and verifying the fishers to be insured, forwarding claim intimations, and ensuring all claim documents are verified and submitted on time.
Official links
- https://www.myscheme.gov.in/schemes/gaisguj1
- https://cof.gujarat.gov.in/Home/SchemesDetailsPage/A36Rf7FTT%E2%9C%A4556gX2TyXKFw%E2%99%AC%E2%99%AC
- https://cof.gujarat.gov.in/ViewFile?fileName=aPNBWj81zn2Uij94k1vn%E2%9C%A4QVwFnxM0iwP0xrtm2ICpfl26QvK6GRM3KEwlWQ%E2%9C%A44yumSy1C4Md5FslYDZmDO9NEF6rHRSQPkjt2MlGbaG1aRssKwRVQvGjQuM8hDcBKoqrL7vGSr6A2C%E2%9C%A42wm83ErUNhHg%E2%99%AC%E2%99%AC
References
- Guidelines
- https://cof.gujarat.gov.in/Home/SchemesDetailsPage/A36Rf7FTT%E2%9C%A4556gX2TyXKFw%E2%99%AC%E2%99%AC
- Guidelines Issued By NFDB Hyderabad
- https://cof.gujarat.gov.in/ViewFile?fileName=aPNBWj81zn2Uij94k1vn%E2%9C%A4QVwFnxM0iwP0xrtm2ICpfl26QvK6GRM3KEwlWQ%E2%9C%A44yumSy1C4Md5FslYDZmDO9NEF6rHRSQPkjt2MlGbaG1aRssKwRVQvGjQuM8hDcBKoqrL7vGSr6A2C%E2%9C%A42wm83ErUNhHg%E2%99%AC%E2%99%AC
Apply
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Frequently asked questions
- What is the purpose of Group Accident Insurance Scheme under PMMSY: Accidental death or Permanent Total Disability Gujarat?
- Group Accident Insurance Scheme under PMMSY: Accidental death or Permanent Total Disability Gujarat is a government welfare initiative designed to support Individual, Individual through benefits related to Agriculture,Rural & Environment, financial assistance, subsidies, social welfare, healthcare, education, or livelihood support.
- Who can apply for Group Accident Insurance Scheme under PMMSY: Accidental death or Permanent Total Disability Gujarat?
- Eligibility for Group Accident Insurance Scheme under PMMSY: Accidental death or Permanent Total Disability Gujarat may depend on factors such as income category, age, gender, occupation, state of residence, social category, and government-defined beneficiary criteria.
- What benefits are offered under Group Accident Insurance Scheme under PMMSY: Accidental death or Permanent Total Disability Gujarat?
- Benefits under Group Accident Insurance Scheme under PMMSY: Accidental death or Permanent Total Disability Gujarat may include financial assistance, subsidies, scholarships, insurance support, healthcare benefits, pension support, training assistance, or welfare services depending on the scheme guidelines.
- Which department manages Group Accident Insurance Scheme under PMMSY: Accidental death or Permanent Total Disability Gujarat?
- Group Accident Insurance Scheme under PMMSY: Accidental death or Permanent Total Disability Gujarat is managed by Agriculture, Farmers Welfare and Cooperation Department and may be implemented through district offices, online portals, CSC centres, banks, or authorised government agencies.
- Can users apply online for Group Accident Insurance Scheme under PMMSY: Accidental death or Permanent Total Disability Gujarat?
- Yes, eligible applicants may be able to apply online for Group Accident Insurance Scheme under PMMSY: Accidental death or Permanent Total Disability Gujarat through official government portals, authorised service centres, or digital application systems depending on the implementation process.
- Is Aadhaar mandatory for Group Accident Insurance Scheme under PMMSY: Accidental death or Permanent Total Disability Gujarat?
- Many government schemes may require Aadhaar verification, identity proof, or linked bank account details for beneficiary validation and direct benefit transfer processing.
- Where can users apply for Group Accident Insurance Scheme under PMMSY: Accidental death or Permanent Total Disability Gujarat?
- Applications for Group Accident Insurance Scheme under PMMSY: Accidental death or Permanent Total Disability Gujarat may be submitted through government departments, official scheme portals, CSC centres, district offices, welfare departments, or authorised service centres.
- What documents may be required for Group Accident Insurance Scheme under PMMSY: Accidental death or Permanent Total Disability Gujarat?
- Applicants may need Aadhaar card, income certificate, residence proof, bank account details, caste certificate, photographs, educational records, or occupation-related documents depending on scheme eligibility requirements.
- Is income certificate required for Group Accident Insurance Scheme under PMMSY: Accidental death or Permanent Total Disability Gujarat?
- Income certificate requirements may vary depending on beneficiary category, subsidy eligibility, and financial assistance criteria defined under Group Accident Insurance Scheme under PMMSY: Accidental death or Permanent Total Disability Gujarat.
- Is Group Accident Insurance Scheme under PMMSY: Accidental death or Permanent Total Disability Gujarat available in all states?
- No, Group Accident Insurance Scheme under PMMSY: Accidental death or Permanent Total Disability Gujarat is primarily available for eligible residents of Gujarat and may be implemented through state government departments and local administrative offices.
- Can residents outside Gujarat apply for Group Accident Insurance Scheme under PMMSY: Accidental death or Permanent Total Disability Gujarat?
- Eligibility for Group Accident Insurance Scheme under PMMSY: Accidental death or Permanent Total Disability Gujarat is generally limited to residents of Gujarat unless otherwise specified in the official scheme guidelines.
- Can small and marginal farmers apply for Group Accident Insurance Scheme under PMMSY: Accidental death or Permanent Total Disability Gujarat?
- Eligible small and marginal farmers may apply for Group Accident Insurance Scheme under PMMSY: Accidental death or Permanent Total Disability Gujarat subject to land ownership records, income eligibility, and agricultural beneficiary criteria.
- Does Group Accident Insurance Scheme under PMMSY: Accidental death or Permanent Total Disability Gujarat provide subsidy support for farmers?
- Group Accident Insurance Scheme under PMMSY: Accidental death or Permanent Total Disability Gujarat may provide agricultural subsidies, financial assistance, crop support, irrigation benefits, insurance coverage, or farming-related welfare assistance depending on the scheme structure.
- Does Group Accident Insurance Scheme under PMMSY: Accidental death or Permanent Total Disability Gujarat provide healthcare or insurance support?
- Group Accident Insurance Scheme under PMMSY: Accidental death or Permanent Total Disability Gujarat may provide healthcare assistance, insurance coverage, cashless treatment support, medical reimbursement, or hospital-related benefits depending on the scheme structure.
- Can beneficiaries use Group Accident Insurance Scheme under PMMSY: Accidental death or Permanent Total Disability Gujarat at government hospitals?
- Eligible beneficiaries may be able to access services at empanelled hospitals, government healthcare facilities, or authorised healthcare providers depending on scheme participation rules.
- Can CSC centres help users apply for Group Accident Insurance Scheme under PMMSY: Accidental death or Permanent Total Disability Gujarat?
- Many government schemes may be accessible through nearby CSC centres, authorised digital service centres, or welfare facilitation offices.
- How can users check the latest updates for Group Accident Insurance Scheme under PMMSY: Accidental death or Permanent Total Disability Gujarat?
- Users should verify official notifications, department announcements, application deadlines, and eligibility updates through authorised government portals or implementing agencies.
- Can beneficiaries track application status for Group Accident Insurance Scheme under PMMSY: Accidental death or Permanent Total Disability Gujarat?
- Certain schemes may provide online application tracking, beneficiary verification systems, or status-check facilities through official portals.
- Where can users get help for Group Accident Insurance Scheme under PMMSY: Accidental death or Permanent Total Disability Gujarat in Gujarat?
- Users in Gujarat may seek assistance through CSC centres, district welfare offices, government departments, agriculture offices, social welfare departments, or authorised facilitation centres.
- Which nearby public services may help with Group Accident Insurance Scheme under PMMSY: Accidental death or Permanent Total Disability Gujarat applications?
- Depending on the scheme, users may require support from Aadhaar centres, CSC centres, banks, hospitals, post offices, or government welfare offices for document verification and application assistance.