AI SummaryFarmers Accidental Insurance Scheme offers financial security to registered farmers in Gujarat, giving their families a safety net through money compensation in the event of accidental death or permanent disability. Gujarat government has kept this scheme going for farmers, their spouses and legal heirs, and claims are accepted through the District Agriculture Officer.
This scheme is a state-level support run by the Agriculture, Farmers Welfare and Cooperation Department, Gujarat. It acts as a financial cushion for the families of registered farmers. When a tragic accident leads to death or permanent disability, the affected household gets the required financial help. The cover is for the registered farmer, the spouse, and legal heirs such as sons or daughters. It protects only against accidental incidents, and deaths from natural causes or suicide are not covered.
Farmers Accidental Insurance Scheme - Introduction
Farmers Accidental Insurance Scheme has been part of the Gujarat Comprehensive Community Accidental Insurance Scheme since 1 April 2008, and it is carried out through the Directorate of Insurance. The premium is paid by the state government, so the farmer does not have to pay anything. This makes it a fully state-funded cover for eligible farming families.
The scheme is open to registered farmers of Gujarat, their spouses and their children. A registered land record must exist before the date of the accident. The person covered must be between 5 and 70 years of age. If the accident involved a vehicle, a valid driving licence is required at the time of the incident.
Key Information
| Key Attribute | Details |
|---|---|
| Scheme Name | Farmers Accidental Insurance Scheme |
| Level | State |
| Scheme For | Family |
| Beneficiary State | Gujarat |
| Category | Agriculture, Rural and Environment, Banking, Financial Services and Insurance |
| Target Beneficiaries | Individual Farmers |
| Benefit Type | Financial Assistance via Cash |
| DBT Scheme | No |
| Nodal Department | Agriculture, Farmers Welfare and Cooperation Department |
Benefits
This scheme gives strong financial support to help families handle sudden money problems after an accident. The compensation amounts are fixed and paid to the legal heir.
| Condition of Accident | Benefit Amount |
|---|---|
| Accidental death or 100% permanent disability | ₹2,00,000 |
| Loss of two eyes or two limbs | ₹2,00,000 |
| Loss of one eye and one limb | ₹2,00,000 |
| Loss of one eye or one limb | ₹1,00,000 |
Eligibility
To qualify for this support, the following conditions should be met by the family making the claim:
- The farmer or the parent must have an active registered land record before the date of the accident.
- The incident must be classified as an accident, and natural or suicidal deaths are not covered.
- The person impacted must be a registered farmer, the spouse, or a legal heir such as a son or daughter.
- The beneficiary must be aged between 5 and 70 years.
- If the accident involved a vehicle, a valid driving licence is required.
- The application must be submitted to the local District Agriculture Officer within 150 days of the accident.
Exclusions
This insurance policy does not cover deaths caused by natural causes or cases of suicide. Only accidents are covered under the scheme.
Application Process
The claim is filed offline through the local agriculture office. Follow these steps to apply for the benefit.
STEP 1 - Prepare the required paperwork and make sure the application is ready to be filed within 150 days of the accident.
STEP 2 - Submit the completed application packet to the office of the local District Agriculture Officer.
For further help or to find the regional office, visit the field office locator on the official website.
Documents
The following documents are required to support the claim:
- Prescribed application forms (Annexure 1, 2, 3, 3A, 4 and 5)
- Copy of 7/12, 8-A land records and Form 6
- Official post mortem report
- I.R report, spot Panchnama and Police Inquest Report or relevant Court Order
- Certified death certificate
- Disability certificate issued by a competent authority in cases of disablement
- Sub Divisional Magistrate report and police investigation report
- Duly signed Baydhari patrak in the prescribed format
- Valid driving licence (if the deceased was the driver)
- Proof of succession (Pedhinamu) for first legal heirs like sons or daughters
References
View Official Scheme Guidelines
FAQ's
What is the main aim of Farmers Accidental Insurance Scheme?
The main aim is to offer financial relief to the families of registered farmers in Gujarat during a crisis caused by accidental death or major permanent disability.
Who is eligible to get the benefit?
Any registered farmer, the spouse, or legal heirs like children can claim the benefit if they meet the scheme conditions.
Are all types of deaths covered?
No, this scheme is only for accidental deaths. It does not cover natural deaths or incidents involving suicide.
What is the maximum amount of financial help given?
In case of accidental death or 100% permanent disability, the compensation is up to ₹2,00,000.
What is the compensation for partial disability?
For the loss of both eyes, two limbs, or a combination of one hand and one leg, the benefit is ₹2,00,000. For the loss of one eye or one limb, the benefit is ₹1,00,000.
How much time is there to submit the application?
The claim application should be submitted within 150 days of the accidental event.
Where must the application be submitted?
The application should be submitted to the District Agriculture Officer of the respective district.
Can multiple heirs claim the benefit?
No, the financial help is meant for a single legal heir as per the standard laws of succession.
What if the first legal heir is also not available?
If the first legal heir is deceased or unable to claim, other eligible legal heirs can claim as per the Indian Succession Act.
Who can file a claim for a deceased farmer?
The spouse or children (son or daughter) of the registered farmer are entitled to file a claim.
Is a driving licence required for vehicular accidents?
Yes, if the accident involved a motor vehicle, the deceased or injured person must have had a valid driving licence at the time of the incident.