Group Accident Insurance Scheme under PMMSY: Permanent Partial Disability Gujarat
₹2.5 lakh permanent partial disability coverage · fishermen Gujarat
Active fishermen in Gujarat aged 18–70 who suffer a permanent partial disability in an accident while fishing can claim ₹2,50,000 in compensation under this PMMSY sub-scheme. The premium is fully covered by the Central and State governments — the fisher pays nothing. Claim must be reported within 90 days and all documents submitted within 180 days of the accident via the district office or NFDB helpline (1800-425-1660).
About This Scheme
Active fishermen in Gujarat aged 18–70 who suffer a permanent partial disability in an accident while fishing can claim ₹2,50,000 in compensation under this PMMSY sub-scheme. The premium is fully covered by the Central and State governments — the fisher pays nothing. Claim must be reported within 90 days and all documents submitted within 180 days of the accident via the district office or NFDB helpline (1800-425-1660).
Full official description
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
- Permanent partial disability compensation: ₹2,50,000
- No premium — fully funded by Central and State governments
- Payment via Direct Bank Transfer (DBT) within 15 working days of complete claim submission
- If claim is delayed beyond 15 working days, the insurer pays 10% simple interest on the due amount
💡 Why Startups Should Care
Permanent partial disability can end a fisherman's ability to work at sea — this coverage provides capital that could fund a transition into a different livelihood or business venture on land.
Who Can Apply (Eligibility)
- Must be an active fisher: fisherman, fish worker, fish farmer, or anyone directly involved in fishing/fisheries activities in Gujarat
- Must be between 18 and 70 years of age
- Must be approved/registered with the State Fisheries Department
- Must have registered at the concerned district fisheries office
- Claim must be reported within 90 days; all documents submitted within 180 days of the accident
Exclusions
- Does not cover claims from suicide or attempted suicide
How to Apply
- Fishers or their legal heirs submit required documents to the concerned district office.
- Complete the Intimation Form and Claim Form.
- Attach medical disability certification and identity proof.
- The district office verifies and processes the claim.
- Claim amount is deposited via DBT to the claimant's bank account.
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.
Ready to apply?
Visit the official government portal to apply for this scheme.
Apply on myScheme.gov.inDocuments Required
- Intimation Form
- Claim Form
- Cancelled cheque of claimant/insured/nominee
- Medical disability certification