Vidhyadeep Yojana

Vidhyadeep Yojana offers accidental insurance coverage for students enrolled in Primary, Secondary, and Higher Secondary schools across Gujarat. In case of accidental death or permanent disability, financial assistance of up to ₹50,000 is provided to the student's parent or successor, ensuring vital support during unforeseen circumstances.

राज्य नकद

राज्य / केंद्र शासित प्रदेश: गुजरात

नोडल विभाग: Education Department

योजना किसके लिए: Individual

योजना प्रोफ़ाइल

डीबीटी (प्रत्यक्ष लाभ अंतरण): नहीं

श्रेणियाँ: बैंकिंग, वित्तीय सेवाएँ और बीमा

लक्षित लाभार्थी: व्यक्तिगत

टैग: Student, Education, Insurance, Accident, Death, Disability

विवरण

The scheme “Vidhyadeep Yojana” was launched by the Education Department, Government of Gujarat. The scheme aims to provide insurance cover to students studying in primary, secondary, and higher secondary schools in the State. The scheme provides maximum financial assistance up to ₹50,000/- per student in case of accidental death or permanent total disability. The scheme is implemented by the State Insurance Fund (Directorate of Insurance) or private/public sector general insurance companies. The applications for this scheme are accepted by the Office of the District Primary Education Officer / District Education Officer / Administrative Officer (through the Principal of the school concerned).

लाभ

Accidental Death ₹50,000/- per student. Accidental Permanent Disability
In case of loss of two eyes or both limbs or arm/leg due to accident: ₹50,000/-
In case of loss of one eye and one limb due to accident: ₹50,000/-
In case of loss of one eye or one limb due to accident: ₹25,000/-. Conditions
The incident must be unexpected, sudden, and unintentional, and show visible signs of external violence
The claim application must be submitted to the Nodal Officer within ninety (90) days from the date of the accident or death
The benefit amount must not be paid for more than one category if the beneficiary is covered under multiple categories of the overall scheme

Accidental Death

₹50,000/- per student.

Accidental Permanent Disability

In case of loss of two eyes or both limbs or arm/leg due to accident: ₹50,000/-.
In case of loss of one eye and one limb due to accident: ₹50,000/-.
In case of loss of one eye or one limb due to accident: ₹25,000/-.

Conditions

The incident must be unexpected, sudden, and unintentional, and show visible signs of external violence.
The claim application must be submitted to the Nodal Officer within ninety (90) days from the date of the accident or death.
The benefit amount must not be paid for more than one category if the beneficiary is covered under multiple categories of the overall scheme.

पात्रता

For the Student Beneficiary

The beneficiary must be a student studying in all Primary, Secondary, and Higher Secondary schools of Gujarat.

For the Applicant/Claimant

The applicant must be the successor or the disabled beneficiary themselves in case of permanent disability.
The applicant must appear in person with the original identity card.
The applicant must submit the written application in the prescribed format to the local Nodal/Competent Officer.
The application must be submitted within ninety (90) days from the date of death or accident.

अपवर्जन

The claim will not be accepted if the death or injury is due to suicide or attempted suicide, natural death, or any act against the law.
The claim will not be accepted if the death or injury is caused by any disease, age-related factors, food poisoning, or polio.
The claim will not be accepted if the death or injury is due to the deceased's gross negligence, such as driving a vehicle without an effective and valid driving license as per the Motor Vehicle Act, 1988, Section 3.

आवेदन प्रक्रिया

Offline

Step 1: The applicant must obtain the necessary application forms and annexures through the Principal of the concerned school where the student was studying.
Step 2: The applicant must fully and comprehensively fill out the prescribed application form and gather all mandatory supporting documents to substantiate the claim. The application must be accompanied by the original Identity Card.
Step 3: The applicant (the heir in case of death, or the beneficiary in case of permanent disability) must submit the completed application along with all required proofs to the local Nodal/Competent Officer of the controlling office of the relevant department. This submission must be done in person (not via post) within ninety (90) days from the date of the accident or death.
Step 4: The Nodal Officer is responsible for fully checking and verifying the application and must forward the application, along with a certification in the prescribed format, to the Office of the Director of Insurance or the Insurance Company. This forwarding must occur within thirty (30) days of the Nodal Officer receiving the application.

Post-Application Processes

Step 1:**** Resolution by Insurer
The Insurance Company or the State Insurance Fund must decide on the claim approval or rejection within sixty (60) days of receiving the application with complete and satisfactory information/documents.
Step 2:**** Claim Closure Timeline
If the applicant fails to provide all requested documentation and fulfillments within the stipulated time, the claim will be closed automatically. The claim will also be permanently closed twelve months after the date of the accident/death, and no reconsideration request will be accepted thereafter.

*If a claim is rejected, the beneficiary or their heir must first submit a representation to the designated Review Committee within thirty (30) days.
*Legal action against the Review Committee's decision can only be pursued after filing the review, and the legal/quasi-judicial/judicial jurisdiction is exclusively in Gandhinagar.
*Claim inquiries or representations must be made only by the applicant or beneficiary themselves, excluding any third parties like agents or lawyers.

स्पष्टीकरण

myScheme पर प्रकाशित योजना सूचना से अतिरिक्त बिंदु (कानूनी सलाह नहीं)।

If the affected individual happens to be enrolled under this plan while simultaneously qualifying under another state insurance category, will they be eligible to receive compensation from both schemes?: No. Insurance compensation is payable only under one single category, even if the beneficiary is covered under multiple schemes simultaneously under the overall framework.
What is the mandatory time frame within which the necessary application form and all supporting documentation must be submitted to the local Nodal Officer?: The claim application must be submitted within ninety (90) days from the date of the student’s death or the date of the accident causing permanent disability.
If my compensation claim is formally rejected and I exhaust the internal review process, in which location can I file a lawsuit or pursue judicial action?: The exclusive legal, quasi-judicial, and judicial jurisdiction or authority for any resultant legal action is strictly limited to Gandhinagar.
If the student’s designated legal heir who is entitled to receive the compensation amount is still considered a minor, how is the payment handled?: The insurance amount must be paid to the minor's Natural Guardian or legal guardian, provided they submit the court order appointing them under the Guardian and Wards Act.
What specific characteristics must the incident leading to injury or death possess for it to be recognized as an 'accident' eligible for insurance coverage?: The incident must be unexpected, sudden, and unintentional, and must clearly display visible signs of external violence.
When I appear before the concerned Nodal Officer to submit the compensation request and mandatory supporting papers, am I required to carry specific identification proof?: Yes, the applicant (heir or disabled beneficiary) must appear in person and bring the original identity card at the time of claim submission.
Is there a maximum time limit for completing all required documentation and final compliance after the date of the accident or death before the claim is permanently closed?: Yes. The claim will be automatically closed and no request for reconsideration will be accepted twelve months after the date of the accident or death.
Who is considered an eligible participant for receiving financial coverage benefits under this student accident protection scheme implemented by the State Government?: The beneficiary must be a student currently studying in any Primary, Secondary, or Higher Secondary school operating within Gujarat State.
If I need to make an inquiry regarding the status of my pending claim, can a family friend, lawyer, or an agent represent me or seek information on my behalf?: No. Claim inquiries or representations must be made only by the applicant or beneficiary themselves, excluding any third parties like agents or lawyers.
Are there specific circumstances related to the cause of death or injury that would automatically make a beneficiary ineligible to receive the insurance funds?: Yes. Claims will not be accepted if the death or injury is caused by suicide, attempted suicide, natural death, or any act that is determined to be against the law or statute.
If the insurance provider formally communicates a decision rejecting my application for compensation, what is the mandatory first step I must take to challenge this decision?: You or your successor must first submit a representation regarding the rejected claim to the designated Review Committee within thirty (30) days of the rejection.
If the applicant lives far away or has difficulty traveling, is it permissible to send the completed compensation application and supporting papers via postal mail?: No, the applicant or successor must submit the written application in the prescribed format to the local Nodal Officer in person; submission via post is not allowed under any circumstances.
Can the benefit amount be denied if the accidental death or injury occurred while the student was driving a motorized vehicle at the time of the incident?: Yes, if the incident resulted from the deceased's gross negligence, such as driving without an effective and valid driving license as required by Section 3 of the Motor Vehicle Act, 1988.
Are there any specific types of accidents involving railways that are explicitly excluded from receiving benefits under this insurance plan?: Yes, if the death or injury occurs due to illegal entry or trespass near railway tracks or railway engines without permission, as per the Indian Railway Manual.

आधिकारिक लिंक

संदर्भ

आवेदन करें

अभी आवेदन करें

Student Education Insurance Accident Death Disability

आधिकारिक आवेदन या कार्यक्रम पोर्टल नए टैब में खुलता है। संदेह हो तो मंत्रालय की साइट पर विवरण सत्यापित करें।

Documents Required for Government Schemes

Most government schemes require basic documents for verification. While the exact requirements vary, common documents include:

Aadhaar Card
Income Certificate
Caste Certificate (if applicable)
Residence Proof
Bank Account Details
Educational Certificates (for student schemes)

How to Apply for Government Schemes?

The application process for government schemes may be online or offline depending on the scheme. In most cases, you can follow these steps:

Check eligibility criteria
Collect required documents
Fill the application form
Submit the application online or at the relevant office
Track application status

यह पृष्ठ सार्वजनिक व आधिकारिक स्रोतों से योजना सूचना का सार प्रस्तुत करता है। यह कानूनी, वित्तीय या व्यावसायिक सलाह नहीं है; अधूरी या पुरानी हो सकती है; तथा सरकारी अधिसूचनाओं का स्थान नहीं लेती। आवेदन या निर्भरता से पहले पात्रता, लाभ व आवेदन चरण आधिकारिक पोर्टल या परिपत्र पर अवश्य सत्यापित करें।

हिन्दी चुनने पर साइट पर मेनू, बटन, फ़िल्टर और जहाँ उपलब्ध हो श्रेणी नाम हिन्दी में दिखाए जाते हैं। योजना का मुख्य पाठ (शीर्षक, विवरण, पात्रता, दस्तावेज़ आदि) स्रोत की भाषा में रहता है—अक्सर अंग्रेज़ी—जब तक आधिकारिक द्विभाषी या हिन्दी संस्करण उपलब्ध न हो।