Vidhyadeep Yojana
₹50,000 accidental insurance · school students · Gujarat
Vidhyadeep Yojana provides automatic accidental insurance cover to all students enrolled in primary, secondary, and higher secondary schools in Gujarat, paying up to ₹50,000 to the student's family in case of accidental death or permanent total disability. No premium or enrollment is required — all school students are covered automatically. Claims must be filed through the school principal to the District Education Officer within 90 days of the accident.
About This Scheme
Vidhyadeep Yojana provides automatic accidental insurance cover to all students enrolled in primary, secondary, and higher secondary schools in Gujarat, paying up to ₹50,000 to the student's family in case of accidental death or permanent total disability. No premium or enrollment is required — all school students are covered automatically. Claims must be filed through the school principal to the District Education Officer within 90 days of the accident.
Full official description
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).
Benefits
- Accidental death: ₹50,000 paid to the legal heir/family
- Loss of both eyes, both limbs, or one hand and one leg: ₹50,000
- Loss of one eye and one limb: ₹50,000
- Loss of one eye or one limb: ₹25,000
- No premium or enrollment fee — coverage is automatic for all school students in Gujarat
💡 Why Startups Should Care
While not a startup scheme, this provides a safety net for school-going children of working parents — including small business owners — reducing financial risk from accidental injury during school years.
Who Can Apply (Eligibility)
- Must be a student enrolled in any primary, secondary, or higher secondary school in Gujarat
- In case of death: the legal heir/successor must claim the benefit
- In case of permanent disability: the disabled student themselves can claim
- Claimant must appear in person with original identity card
- Application must be submitted within 90 days of the date of accident or death
- Claim must be filed through the school principal to the District Education Officer
Exclusions
- Claims are not accepted for death or injury from suicide, attempted suicide, or natural death
How to Apply
- Obtain the application form and annexures through the school Principal.
- Complete the form with student status documentation.
- Submit the certificate from the Principal confirming enrollment.
- Submit the claim within the required timeframe after an accident.
- The claim amount is processed and disbursed per the scheme's structure.
Frequently Asked Questions
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.
Ready to apply?
Visit the official government portal to apply for this scheme.
Apply on myScheme.gov.inDocuments Required
- Certificate from school Principal confirming enrollment
- Documents required to establish student status