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Pradhan Mantri Matsya Sampada Yojana: Accident Insurance Scheme - Uttarakhand
7.1/10Under this scheme, fish farmers are provided insurance coverage of ₹5 lakh in case of accidental death/total permanent disability, ₹2.5 lakh for partial disability, & ₹50,000 for hospitalization. No premium is required to be paid by fish farmers, entire cost of the insurance is fully borne by Dept.
States / UT: Uttarakhand
Nodal department: Department Of Fisheries
Scheme for: Individual
Scheme profile
DBT (direct benefit transfer): No
Categories: Banking,Financial Services and Insurance, Agriculture,Rural & Environment
Target beneficiaries: Individual
Tags: Insurance, Fish Farmer, Accidental Death, Disability, Fisherman
Details
The scheme "Accident Insurance Scheme", a sub-component of the Pradhan Mantri Matsya Sampada Yojana, is implemented by the Department of Fisheries, Government of Uttarakhand. The scheme aims to provide financial security to fish farmers in the event of accidental death, permanent disability, or hospitalization.
Benefits
- Under this scheme, an annual insurance coverage is provided as follows:
- ₹5,00,000/- in case of accidental death or total permanent disability
- ₹2,50,000/- for partial disability (such as loss of limbs, fingers, or partial loss of vision/hearing/speech, etc.)
- ₹50,000/- for hospitalization expenses due to accidents
- The fish farmer is not required to pay any insurance premium. The entire premium amount is borne by the Department
Under this scheme, an annual insurance coverage is provided as follows:
- ₹5,00,000/- in case of accidental death or total permanent disability.
- ₹2,50,000/- for partial disability (such as loss of limbs, fingers, or partial loss of vision/hearing/speech, etc.).
- ₹50,000/- for hospitalization expenses due to accidents.
- The fish farmer is not required to pay any insurance premium. The entire premium amount is borne by the Department.
Eligibility
- The applicant must be a permanent resident of Uttarakhand.
- The applicant must be engaged in fish production or fishing as a profession.
- The applicant may belong to any caste category, including General, Scheduled Caste (SC), Scheduled Tribe (ST), Other Backward Class (OBC), or be a woman.
- The applicant’s age must be between 18 and 70 years at the time of enrollment.
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 utility6.0
- Awareness5.5
- Simplicity4.5
- Inclusivity9.0
What problem does this scheme solve?
The scheme provides essential insurance coverage for fish farmers in Uttarakhand, addressing financial security in case of accidents.
Key challenges addressed
- Financial security for fish farmers
- Support for accidental death and disability
Most beneficial for
- Fish farmers
- Women beneficiaries
Likely challenges
- Awareness of the scheme among potential beneficiaries
- Complexity in the claim process
Practical insights for citizens
Practical for those aware of the scheme, but barriers exist for first-time applicants
Rural challenges
- Limited awareness in rural areas
- Access to local offices may be challenging
Digital challenges
- Low digital literacy among target beneficiaries
- Limited online application options
Implementation bottlenecks
- Delays in claim processing
- Verification of documents can be time-consuming
Awareness challenges
- Low awareness of the scheme among fish farmers
- Need for outreach programs
Application analysis
- Application mode
- Offline office
- Documents burden
- Moderate, requires several documents
- Verification complexity
- Moderate, involves multiple steps
- Office dependency
- High, requires interaction with local offices
- DBT dependency
- Low, as benefits are not directly transferred digitally
- CSC support
- Limited, primarily through local offices
- Estimated citizen effort
- Moderate, requires time to gather documents and submit
Estimated beneficiary reach
Benefit analysis
- Benefit type
- Cash
- Benefit frequency
- As needed, based on claims
- Benefit practicality
- High, as it provides immediate financial support
- Financial meaningfulness
- High, with significant amounts for various situations
- Long-term impact
- Positive, as it encourages fish farming by reducing financial risks
Plain-language guidance
This scheme offers insurance to fish farmers in Uttarakhand, protecting them from financial loss due to accidents. It covers accidental death, disability, and hospitalization without any premium cost.
- Who should apply
- Fish farmers aged 18-70 from Uttarakhand.
- Who may struggle
- First-time applicants and those unfamiliar with the documentation process.
- Best application route
- Apply via local Fisheries Department 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
- To avail of the benefits under the scheme, eligible beneficiaries can obtain the insurance application form through the field personnel of the Fisheries Department.
- The duly filled application form must be submitted along with the fisherman’s Aadhaar card, bank account details, birth certificate, permanent residence certificate, nominee details, and Aadhaar card. The insurance premium is paid by the department. After the fisherman is insured, the department will issue the relevant insurance certificate.
- In the event of an accident, death, or hospitalization, the beneficiary’s family must immediately inform the field personnel/officers of the Fisheries Department in the concerned area.
- In case of an accident, the claim form along with the necessary documents, such as a medical certificate, death certificate, hospitalization certificate, and insurance certificate, must be submitted. The claim amount will then be disbursed accordingly.
Clarifications
Additional points from the scheme information published on myScheme (not legal advice).
- Who is eligible for this insurance scheme?
Fish farmers/fishermen aged 18–70 years from Uttarakhand.
- Is the scheme limited to a specific caste or group?
No, it is open to all caste groups including SC, ST, OBC, and General.
- Is there any fee for enrollment?
No, the entire insurance premium is paid by the government.
- Can women fish farmers apply?
Yes, the scheme is open to women beneficiaries as well.
- How is the claim amount disbursed?
Directly into the beneficiary’s or nominee’s bank account.
- What if the insured person dies in an accident?
The nominee must submit a claim form and required documents.
- How can a fisherman apply for the insurance scheme?
Eligible beneficiaries can obtain the insurance application form through the field personnel of the Fisheries Department and submit it along with the required documents.
- What happens after the submission of the application form?
After verification, the Fisheries Department processes the insurance and issues an insurance certificate to the fisherman.
- Who processes the claim after submission?
The Department of Fisheries, in coordination with the insurance agency, verifies the claim documents and facilitates the disbursement of the claim amount.
Official links
References
- Guidelines (Page No. 249)
- https://uk.gov.in/department92/library_file/file-04-12-2023-06-02-23.pdf
Apply
Apply nowOpens the official application or programme portal in a new tab. If in doubt, confirm details on the ministry site.
Frequently asked questions
- What is the purpose of Pradhan Mantri Matsya Sampada Yojana: Accident Insurance Scheme - Uttarakhand?
- Pradhan Mantri Matsya Sampada Yojana: Accident Insurance Scheme - Uttarakhand is a government welfare initiative designed to support Individual, Individual through benefits related to Banking,Financial Services and Insurance, financial assistance, subsidies, social welfare, healthcare, education, or livelihood support.
- Who can apply for Pradhan Mantri Matsya Sampada Yojana: Accident Insurance Scheme - Uttarakhand?
- Eligibility for Pradhan Mantri Matsya Sampada Yojana: Accident Insurance Scheme - Uttarakhand 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 Pradhan Mantri Matsya Sampada Yojana: Accident Insurance Scheme - Uttarakhand?
- Benefits under Pradhan Mantri Matsya Sampada Yojana: Accident Insurance Scheme - Uttarakhand 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 Pradhan Mantri Matsya Sampada Yojana: Accident Insurance Scheme - Uttarakhand?
- Pradhan Mantri Matsya Sampada Yojana: Accident Insurance Scheme - Uttarakhand is managed by Department Of Fisheries and may be implemented through district offices, online portals, CSC centres, banks, or authorised government agencies.
- Can users apply online for Pradhan Mantri Matsya Sampada Yojana: Accident Insurance Scheme - Uttarakhand?
- Yes, eligible applicants may be able to apply online for Pradhan Mantri Matsya Sampada Yojana: Accident Insurance Scheme - Uttarakhand through official government portals, authorised service centres, or digital application systems depending on the implementation process.
- Is Aadhaar mandatory for Pradhan Mantri Matsya Sampada Yojana: Accident Insurance Scheme - Uttarakhand?
- 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 Pradhan Mantri Matsya Sampada Yojana: Accident Insurance Scheme - Uttarakhand?
- Applications for Pradhan Mantri Matsya Sampada Yojana: Accident Insurance Scheme - Uttarakhand 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 Pradhan Mantri Matsya Sampada Yojana: Accident Insurance Scheme - Uttarakhand?
- 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 Pradhan Mantri Matsya Sampada Yojana: Accident Insurance Scheme - Uttarakhand?
- Income certificate requirements may vary depending on beneficiary category, subsidy eligibility, and financial assistance criteria defined under Pradhan Mantri Matsya Sampada Yojana: Accident Insurance Scheme - Uttarakhand.
- Is Pradhan Mantri Matsya Sampada Yojana: Accident Insurance Scheme - Uttarakhand available in all states?
- No, Pradhan Mantri Matsya Sampada Yojana: Accident Insurance Scheme - Uttarakhand is primarily available for eligible residents of Uttarakhand and may be implemented through state government departments and local administrative offices.
- Can residents outside Uttarakhand apply for Pradhan Mantri Matsya Sampada Yojana: Accident Insurance Scheme - Uttarakhand?
- Eligibility for Pradhan Mantri Matsya Sampada Yojana: Accident Insurance Scheme - Uttarakhand is generally limited to residents of Uttarakhand unless otherwise specified in the official scheme guidelines.
- Can small and marginal farmers apply for Pradhan Mantri Matsya Sampada Yojana: Accident Insurance Scheme - Uttarakhand?
- Eligible small and marginal farmers may apply for Pradhan Mantri Matsya Sampada Yojana: Accident Insurance Scheme - Uttarakhand subject to land ownership records, income eligibility, and agricultural beneficiary criteria.
- Does Pradhan Mantri Matsya Sampada Yojana: Accident Insurance Scheme - Uttarakhand provide subsidy support for farmers?
- Pradhan Mantri Matsya Sampada Yojana: Accident Insurance Scheme - Uttarakhand may provide agricultural subsidies, financial assistance, crop support, irrigation benefits, insurance coverage, or farming-related welfare assistance depending on the scheme structure.
- Does Pradhan Mantri Matsya Sampada Yojana: Accident Insurance Scheme - Uttarakhand provide healthcare or insurance support?
- Pradhan Mantri Matsya Sampada Yojana: Accident Insurance Scheme - Uttarakhand may provide healthcare assistance, insurance coverage, cashless treatment support, medical reimbursement, or hospital-related benefits depending on the scheme structure.
- Can beneficiaries use Pradhan Mantri Matsya Sampada Yojana: Accident Insurance Scheme - Uttarakhand 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 Pradhan Mantri Matsya Sampada Yojana: Accident Insurance Scheme - Uttarakhand?
- 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 Pradhan Mantri Matsya Sampada Yojana: Accident Insurance Scheme - Uttarakhand?
- 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 Pradhan Mantri Matsya Sampada Yojana: Accident Insurance Scheme - Uttarakhand?
- Certain schemes may provide online application tracking, beneficiary verification systems, or status-check facilities through official portals.
- Where can users get help for Pradhan Mantri Matsya Sampada Yojana: Accident Insurance Scheme - Uttarakhand in Uttarakhand?
- Users in Uttarakhand 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 Pradhan Mantri Matsya Sampada Yojana: Accident Insurance Scheme - Uttarakhand 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.