AI SummaryPradhan Mantri Matsya Sampada Yojana: Accident Insurance Scheme gives fish farmers in Uttarakhand free insurance cover against accidental death, disability and treatment costs. The government pays the full premium, so no money comes out of the beneficiary's pocket.
This is a sub-component of the Pradhan Mantri Matsya Sampada Yojana (PMMSY), run by the Department of Fisheries, Government of Uttarakhand. It is still open for registered fish farmers in the state, and the cover is renewed every year.
Pradhan Mantri Matsya Sampada Yojana: Accident Insurance Scheme - Introduction
The scheme runs under the Department of Fisheries, Government of Uttarakhand. It gives peace of mind to fish farmers through complete financial protection. Whether you run a small pond or a large fish farm, this scheme makes sure you and your family have support during an accident or health emergency.
Fishing is a high-risk job, especially in the rivers and lakes of Uttarakhand. A sudden accident can stop earnings and push a family into money problems. This insurance cover acts as a safety net, so a single mishap does not wipe out a family's savings.
Key Information
| Detail | Information |
|---|---|
| Scheme Name | Pradhan Mantri Matsya Sampada Yojana: Accident Insurance Scheme |
| Level | State |
| Scheme For | Individual |
| Beneficiary State | Uttarakhand |
| Category | Banking, Financial Services and Insurance, Agriculture, Rural and Environment |
| Benefit Type | Cash |
| DBT Scheme | No |
| Nodal Department | Department of Fisheries |
| Official Website | pmmsy.dof.gov.in |
Benefits
This scheme gives strong security to your livelihood. You do not pay any premium, because the government bears the whole cost. The yearly cover includes:
| Condition | Benefit Amount |
|---|---|
| Accidental Death or Total Permanent Disability | ₹5,00,000 |
| Partial Disability | ₹2,50,000 |
| Hospitalization Expenses | ₹50,000 |
For example, if Ramesh, a registered fish farmer, suffers a permanent disability after an accident, he receives ₹5,00,000 to manage his ongoing needs. The claim amount is paid directly into the bank account of the beneficiary or the nominee.
Eligibility
You can apply for this scheme if you meet the following conditions:
- You are a permanent resident of Uttarakhand.
- You work professionally in fish production or fishing activities.
- You belong to any category, including General, SC, ST or OBC.
- You are between the ages of 18 and 70 at the time of enrollment.
Application Process
To start your application, contact the field personnel of the Fisheries Department in your local area. They will give you the official insurance application form.
STEP 1 - Visit the office or sub-office of the Fisheries Department in your district and collect the Accident Insurance application form.
STEP 2 - Fill in the form with your personal details, bank account information and nominee details.
STEP 3 - Attach the required documents, including your Aadhaar card, bank details, age proof and nominee nomination details.
STEP 4 - Submit the completed form and documents to the same office. The department verifies your details and processes your enrollment.
STEP 5 - After verification, the department issues your insurance certificate to confirm your coverage.
In case of an accident or hospitalization, you or your family should immediately inform the local Fisheries Department officers to start the claim procedure. Then submit the required documents to receive the claim amount directly in the bank account.
Documents
Required documents for application:
- Aadhaar card of the fisherman.
- Valid bank account details.
- Documentary proof of age.
- Permanent residence certificate.
- Nominee details including name, relationship and Aadhaar card.
Required documents for claims:
- Your official insurance certificate.
- Recent passport size photograph.
- Completed claim form.
- Medical certificate for disability or hospitalization.
- Death certificate in cases of fatal accidents.
- Hospital admission and discharge summaries.
References
Pradhan Mantri Matsya Sampada Yojana official website
Department of Fisheries, Uttarakhand official website
FAQ's
Who is eligible for this insurance scheme?
Fish farmers or fishermen living in Uttarakhand between the ages of 18 and 70 can join.
Is there a specific caste requirement?
No, the scheme is open to all, including SC, ST, OBC and General categories.
Do I need to pay any premium?
No, you do not pay any premium. The government covers the entire cost.
Are women eligible to apply?
Yes, any woman fish farmer who meets the eligibility criteria can apply.
How is the claim money received?
The approved claim amount is transferred directly to your bank account or your nominee's account.
What happens if a fatal accident occurs?
The nominee should contact the Fisheries Department office immediately and submit the required claim form and death certificate.
How do I apply?
Reach out to the field personnel of your local Fisheries Department to get the application form and submit it with your documents.
What occurs after I submit my application?
Your local department verifies your documents and issues an insurance certificate to confirm your coverage.
Who handles the claim verification?
The Department of Fisheries works with the insurance agency to verify your documents and make sure you receive the benefit.