AI SummaryGroup Accident Insurance Scheme under PMMSY: Permanent Partial Disability is a welfare scheme that provides financial security to eligible fishers in Gujarat. It offers insurance cover of ₹2,50,000 for permanent partial disability caused by an accident, with the claim amount sent directly to the bank account through DBT and no premium charged to the fisher.
This scheme works as a sub-component of the national Pradhan Mantri Matsya Sampada Yojana (PMMSY). It stays open for the fishing community in Gujarat during 2026-27, and eligible fishers can file their claims through the concerned district fisheries office.
Group Accident Insurance Scheme under PMMSY - Permanent Partial Disability - Introduction
Group Accident Insurance Scheme under PMMSY: Permanent Partial Disability serves as a safety net for the fishing community. This scheme aims to give timely financial support to fishers or their families in the unfortunate event of death or injury sustained during their work.
Introduced by the Agriculture, Farmers Welfare and Co-operation Department, Government of Gujarat, it operates as a sub-component of the national PMMSY program. It covers fishermen, fish workers, fish farmers, and everyone directly linked to fishing activities. The National Fisheries Development Board (NFDB) and M/s Oriental Insurance Company Limited (OICL) manage this scheme to make sure support reaches those who need it most. The Central and State Governments cover the premium costs fully, so the fisher does not have to pay anything to be protected.
Objective of this scheme: to provide essential financial relief to a fisher or the family if the fisher faces an accidental injury or permanent partial disability while working.
Key Information
| Detail | Information |
|---|---|
| Scheme Name | Group Accident Insurance Scheme under PMMSY: Permanent Partial Disability |
| Level | State |
| Scheme for | Family |
| Beneficiary States | Gujarat |
| Category | Agriculture, Rural & Environment, Banking, Financial Services and Insurance |
| Target Beneficiaries | Industries |
| Sub Category | Insurance |
| Benefit Type | Cash |
| DBT Scheme | Yes |
| Nodal Department | Agriculture, Farmers Welfare and Cooperation Department |
| Benefit Amount | ₹2,50,000 |
Benefits
When a fisher encounters a permanent partial disability due to an accident, this scheme provides financial protection to help recover and maintain the livelihood. The support is provided as follows:
| Component | Assistance Amount |
|---|---|
| Permanent Partial Disability | ₹2,50,000 |
How the money is received: The claim amount is sent directly to the savings account or the nominee's account through the Direct Bank Transfer (DBT) system. This makes sure the transaction is clear and fast.
Timeline for settlement: The insurance company processes the claim within 15 working days after receiving all valid documents. If the payment is delayed beyond this timeframe, the insurance company pays 10% annual interest on the approved amount from the date of document submission until the final payment date.
Eligibility
To take part in this scheme, a fisher should meet the following criteria:
- Must be a fisher, which includes roles like fisherman, fish worker, or fish farmer, directly involved in fishing activities.
- Must be between 18 and 70 years of age.
- Must not have turned 71 on the day the accident happened.
- Must be approved by the local State or Union Territory fisheries department.
- At the time of claim, an Appropriate Authority must verify and certify the status as an insured fisher.
- Must have completed registration at the relevant district office.
Exclusions
This scheme does not cover claims for death, injury, or disability if they happen due to the following reasons:
- Suicide or attempts at self-harm, and self-inflicted injuries.
- Pregnancy, childbirth, or related medical complications, and pre-existing physical or mental conditions or health issues.
- Being under the influence of alcohol or drugs, venereal diseases, or instances of insanity.
- Participation in risky activities like aviation or ballooning, unless a passenger on a licensed aircraft.
- Illegal acts or criminal activities, nuclear materials, radioactive contamination, warfare, or service in armed forces.
- Murder involving an immediate beneficiary, and natural death.
Please note that expenses for funeral charges, ambulance services (unless related to accidental hospitalization), or weekly income compensation are generally not covered.
Application Process
Offline Application Process
To file a claim, follow these steps:
STEP 1 - Submit the required documents to the concerned district fisheries office.
STEP 2 - Intimate the insurance company within 90 days of the accident. This can be done through a formal letter to the Insurance Company, NFDB Insurance Cell, or their intermediary, an email to support@pmmsygais.com, or using the official IT platforms, the NFDB toll-free number (1800-425-1660), or by contacting the identified Appropriate Authorities.
Note: Make sure all claim documents are submitted within 180 days of the accident occurring.
Documents
For a smooth claim process, prepare the following documents:
Common documents required for all claims:
- Correctly filled Intimation and Claim forms.
- A cancelled cheque or a copy of the front page of the bank passbook/statement, duly attested by a gazetted officer and self-attested.
- Certification issued by the Appropriate Authority.
- A government-approved ID and address proof.
Documents required for specific scenarios (Example): For a Road/Railway Accident, provide the FIR, spot and inquest panchnama, the post-mortem report, and the death certificate. If the insured was driving, provide a valid driving license.
Additional documents for Permanent Partial Disability (PPD):
- Original detailed discharge summary from the hospital.
- Certificate from the treating doctor.
- A copy of the FIR or Medico Legal Certificate (MLC).
- First consultation report.
- Official disability certificate with a photograph, issued by a specialist at a government hospital.
Important: Always provide certified copies of the FIR and post-mortem reports, rather than original documents.
References
Guidelines Issued by NFDB Hyderabad
FAQ's
What is the Permanent Partial Disability benefit under this scheme?
It provides specific financial support if a fisher faces a permanent partial disability caused by an accidental injury.
How is Permanent Partial Disability defined?
It refers to a lasting physical impairment resulting from an accident, which is assessed and certified by specialists from a government hospital.
Are there specific injuries covered for the compensation?
Yes, the policy outlines various injuries, and compensation is calculated based on a percentage of the total insurance sum.
Who qualifies for this disability benefit?
Any registered fisher aged between 18 and 70 is eligible, provided the fisher has not yet turned 71 at the time of the accident.
How do I start the claim process?
Notify the insurance company within 90 days of the accident through the official channels mentioned in the application process.
Which documents are essential for my claim?
You will need the Intimation and Claim forms, bank details, certification from the Appropriate Authority, photo ID, and any accident-related reports like an FIR.
What extra documents are needed for PPD?
Provide the hospital discharge summary, the doctor's certificate, the FIR or MLC copy, and a formal disability certificate featuring a photograph.
Who determines the disability percentage?
A specialist from a government hospital evaluates and certifies the extent of the disability.
What is the deadline for document submission?
Submit all verification documents within 180 days of the accident.
How quickly will the insurance company pay?
The company settles the claim within 15 working days after receiving all the necessary documentation.