GAISGUJ3
Group Accident Insurance Scheme under PMMSY: Medical Treatment - Gujarat
6.2/10The scheme aims to provide financial assistance to fishermen/fishermen's families in case of death or injury. Through this scheme, insurance coverage for Medical Treatment is provided to eligible fishers.
States / UT: Gujarat
Nodal department: Agriculture, Farmers Welfare and Cooperation Department
Scheme for: Family
Scheme profile
DBT (direct benefit transfer): No
Categories: Agriculture,Rural & Environment, Banking,Financial Services and Insurance
Sub-categories: Insurance
Target beneficiaries: Individual
Tags: Accident, Fishermen, Medical Treatment, Insaurance, Injury
Details
The scheme "Group Accident Insurance Scheme under PMMSY" with a component "Permanent Partial 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 Medical Treatment. 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 1. Medical Treatment₹25,000/- 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 assistance1. Medical Treatment₹25,000/-
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.
- Accessibility5.0
- Financial impact8.0
- Rural utility7.0
- Awareness4.5
- Simplicity5.0
- Inclusivity5.0
What problem does this scheme solve?
The scheme provides essential financial support for fishermen and their families in case of accidents, addressing a critical need in the fishing community.
Key challenges addressed
- Financial assistance for medical treatment after accidents
- Insurance coverage for fishermen and their families
Most beneficial for
- Fishermen
- Fish workers
- Fish farmers
Likely challenges
- Awareness of the scheme among potential beneficiaries
- Complexity in the application process
Practical insights for citizens
The scheme is practical but requires significant effort from beneficiaries to navigate the application process.
Rural challenges
- Limited awareness of the scheme
- Access to district offices may be difficult
Digital challenges
- Low digital literacy among target beneficiaries
- Limited access to online resources
Implementation bottlenecks
- Verification process may delay claims
- Dependence on local authorities for certification
Awareness challenges
- Low awareness among fishermen about the scheme's existence and benefits
Application analysis
- Application mode
- Offline office
- Documents burden
- Moderate, requires multiple documents
- Verification complexity
- Moderate, involves certification by authorities
- Office dependency
- High, requires visits to district office
- DBT dependency
- Yes, benefits are disbursed via Direct Bank Transfer
- CSC support
- Limited
- Estimated citizen effort
- Moderate effort required to gather documents and apply
Estimated beneficiary reach
Benefit analysis
- Benefit type
- Cash
- Benefit frequency
- As needed, based on claims
- Benefit practicality
- Practical for immediate medical expenses
- Financial meaningfulness
- Moderately meaningful, as it covers essential medical costs
- Long-term impact
- Positive impact on the financial stability of fishing families in case of accidents
Plain-language guidance
This scheme helps fishermen and their families get financial support for medical treatment if they have an accident. It is important for those involved in fishing activities.
- Who should apply
- Fishermen and fish workers aged 18 to 70 who are registered under the scheme.
- Who may struggle
- Individuals who are not familiar with the application process or lack necessary documents.
- Best application route
- Apply via 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".
Clarifications
Additional points from the scheme information published on myScheme (not legal advice).
- What is the Medical Treatment benefit under the Group Accident Insurance Scheme (GAIS)?
The Medical Treatment benefit provides financial assistance for the medical expenses of a fisher who is injured in an accident.
- What does the medical treatment benefit cover?
The benefit covers costs for medical treatment and hospitalisation resulting from an accident, including the cost of medicines, diagnostic tests, doctor's fees, and hospital charges.
- Who is eligible to claim the medical treatment benefit?
Any fisher between the ages of 18 and 70, who is registered under the scheme, is eligible for this benefit. The insured person must not have completed 71 years of age on the date of the accident.
- How is a claim for medical treatment initiated?
The claim must be intimated to the insurance company within 90 days from the date of the accident.
- What documents are required to file a claim for medical treatment?
You will need the Intimation Form, Claim Form, a cancelled cheque or bank passbook copy, Certification by the Appropriate Authority, and a government-issued ID. Additionally, you will need accident-specific documents.
- What additional documents are specifically required for a medical treatment claim?
You must provide the original consolidated hospital bill with a breakup of each item, original payment receipts, corresponding prescriptions, the treating doctor's certificate, a copy of the Medico Legal Certificate (MLC), and the original detailed discharge summary.
- Do I need to submit the original hospital bills?
Yes, you are required to submit original consolidated hospital bills and payment receipts.
- How long do I have to submit all the claim documents?
All claim documents for medical treatment must be submitted within 180 days of the accident.
- Is there a timeframe for the insurance company to settle a medical treatment claim?
Yes, the insurance company will settle the claim within 15 working days of receiving all complete documentation.
- Are ambulance charges covered under this benefit?
No, ambulance charges are not covered under the accidental hospitalisation claim.
- Does the medical treatment benefit cover pre-existing diseases?
No, the policy does not cover expenses for pre-existing physical or mental defects or illnesses.
Official links
- https://www.myscheme.gov.in/schemes/gaisguj3
- 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: Medical Treatment - Gujarat?
- Group Accident Insurance Scheme under PMMSY: Medical Treatment - Gujarat is a government welfare initiative designed to support Family, 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: Medical Treatment - Gujarat?
- Eligibility for Group Accident Insurance Scheme under PMMSY: Medical Treatment - 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: Medical Treatment - Gujarat?
- Benefits under Group Accident Insurance Scheme under PMMSY: Medical Treatment - 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: Medical Treatment - Gujarat?
- Group Accident Insurance Scheme under PMMSY: Medical Treatment - 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: Medical Treatment - Gujarat?
- Yes, eligible applicants may be able to apply online for Group Accident Insurance Scheme under PMMSY: Medical Treatment - 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: Medical Treatment - 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: Medical Treatment - Gujarat?
- Applications for Group Accident Insurance Scheme under PMMSY: Medical Treatment - 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: Medical Treatment - 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: Medical Treatment - Gujarat?
- Income certificate requirements may vary depending on beneficiary category, subsidy eligibility, and financial assistance criteria defined under Group Accident Insurance Scheme under PMMSY: Medical Treatment - Gujarat.
- Is Group Accident Insurance Scheme under PMMSY: Medical Treatment - Gujarat available in all states?
- No, Group Accident Insurance Scheme under PMMSY: Medical Treatment - 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: Medical Treatment - Gujarat?
- Eligibility for Group Accident Insurance Scheme under PMMSY: Medical Treatment - 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: Medical Treatment - Gujarat?
- Eligible small and marginal farmers may apply for Group Accident Insurance Scheme under PMMSY: Medical Treatment - Gujarat subject to land ownership records, income eligibility, and agricultural beneficiary criteria.
- Does Group Accident Insurance Scheme under PMMSY: Medical Treatment - Gujarat provide subsidy support for farmers?
- Group Accident Insurance Scheme under PMMSY: Medical Treatment - 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: Medical Treatment - Gujarat provide healthcare or insurance support?
- Group Accident Insurance Scheme under PMMSY: Medical Treatment - 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: Medical Treatment - 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: Medical Treatment - 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: Medical Treatment - 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: Medical Treatment - 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: Medical Treatment - 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: Medical Treatment - 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.