About this agriculture scheme
The scheme aims to provide financial assistance to fishermen/fishermen's families in case of death or injury. Through this scheme, insurance coverage for Permanent Partial Disability is provided to eligible fishers.
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 permanent partial disability (PPD). 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 at a glance
| Scheme name | Group Accident Insurance Scheme under PMMSY: Permanent Partial Disability Gujarat (GAISGUJ2) |
|---|---|
| Launched by | Agriculture, Farmers Welfare and Cooperation Department |
| Benefit type | Cash (money paid to your bank account) |
| Category | Agriculture |
| Level / State | State · Gujarat |
| Official portal | cof.gujarat.gov.in (link at the end of this page) |
Key facts
| Scheme for | Family |
|---|---|
| Application mode | Offline |
| Last date | Ongoing (no last date notified) |
| DBT (direct bank transfer) | No |
| Age | 18 to 70 years |
Who can apply (quick check)
- 👤All genders
- 🎂Age 18 to 70 years
- 💼Fishermen
- 📝Offline
Quick check from official data. Full conditions are in the Eligibility section.
What you receive
| Sr. No. | Name of Component | Standard of assistance |
| 1. | Permanent Partial Disability | Rs. 2,50,000/- |
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.
Who qualifies
- 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.
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.
Papers to keep ready
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Documents (duly filled in all respects) common to all claims:
Other documents required for specific kinds of accidents:
Additional Documents for Specific Claims
Note: Certified or true copies of the First Information Report (FIR) and Post Mortem Report are required, not the originals.
Registration walkthrough
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.
Frequently asked questions
What is the Permanent Partial Disability (PPD) benefit under the Group Accident Insurance Scheme (GAIS)?
The PPD benefit provides financial assistance to a fisher who suffers a partial disability as a result of an accident.
What is the definition of Permanent Partial Disability according to the scheme?
PPD is a partial disability that is permanent in nature and results from an accident. The level of disability is determined by a doctor and a government hospital specialist.
Are there specific injuries covered under PPD?
Yes, the policy specifies various injuries and their corresponding compensation as a percentage of the sum insured, for example, loss of a thumb or an index finger.
Who is eligible for the PPD 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 the claim for PPD initiated?
An intimation about the disability must be sent to the insurance company within 90 days of the accident.
What documents are required to claim the PPD benefit?
Key documents include the Intimation Form, Claim Form, a cancelled cheque or bank passbook copy, Certification by an Appropriate Authority, and a government-issued ID. You will also need accident-specific documents like a First Information Report (FIR).
What additional documents are required for a PPD claim?
You will need the original detailed discharge summary, the treating doctor's certificate, a copy of the FIR or Medico Legal Certificate (MLC), and a disability certificate with a photograph from a government hospital specialist.
Who determines the percentage of disability for a PPD claim?
The disability is assessed and certified by a government hospital specialist.
How long do I have to submit all the claim documents?
All claim documents must be submitted within 180 days of the accident.
Is there a timeframe for the insurance company to settle a PPD claim?
Yes, the insurance company will settle the claim within 15 working days of receiving all complete documentation.
Submit your application yourself on the official portal; it costs nothing. Treat anyone demanding money to "get you approved" as a scam.
- Guidelines Issued By NFDB Hyderabad cof.gujarat.gov.in
tsmpb.in is not affiliated with any government department. Apply only on the official portal and never pay anyone for an application.
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