AI SummaryShahidvir Kinariwaala Student Security Group Insurance Scheme covers students of Gujarat colleges and universities with financial support of up to ₹1,00,000 in case of accidental death, permanent disability or natural death. Education Department of Government of Gujarat runs this scheme, and students can apply only through their college office. No premium is charged to the student because the state government funds the entire cover.
Students enrolled in universities, government and non-government colleges, Gram Vidyapeeth GBTC colleges and technical education institutes across Gujarat come under this scheme. In case of death, the amount goes to the legal guardian or heir of the student. The claim is processed by the office of the Commissioner of Higher Education after the college forwards the application.
Families of students keep receiving claim payments under this scheme for the 2026-27 period. As per the data shared in Gujarat Assembly, 14 families received a total of ₹14 lakh in 2022-23 and 17 families received ₹17 lakh in 2023-24. State government has kept no income limit for this scheme.
Maximum cover of ₹1,00,000 is paid for accidental death or permanent total disability. If a student loses two limbs, two eyes, or one limb and one eye, the family gets the full amount. For permanent partial disability, such as loss of one limb or one eye, the payout is 50%, which means up to ₹50,000.
Key Information
| Detail | Information |
|---|---|
| Scheme Name | Shahidvir Kinariwaala Student Security Group Insurance Scheme |
| Level | State |
| Scheme For | Family |
| Beneficiary State | Gujarat |
| Category | Banking, Financial Services and Insurance, Education and Learning |
| Beneficiaries | Individual, Family |
| Benefit Type | Cash |
| DBT | No |
| Main Department | Education Department, Government of Gujarat |
| Maximum Financial Support | ₹1,00,000 |
| Application Mode | Offline through college |
Benefits
Financial support under this scheme depends on the type of incident. Students and their families get help in the following situations:
| Condition Covered | Financial Support |
|---|---|
| Accidental death or permanent total disability, including loss of two limbs, two eyes, or one limb and one eye | Up to ₹1,00,000 |
| Permanent partial disability, such as loss of one limb or one eye | Up to ₹50,000 |
| Death due to natural causes | As per insurance policy conditions |
| Premium paid by student | Nil, government funded |
For example, if a college student in Gujarat dies in an accident, the family receives up to ₹1,00,000. If the student loses one eye in an accident, the payout is up to ₹50,000.
Eligibility
Students and their families can get the benefit when they meet these conditions:
- Student must be a bonafide resident of Gujarat.
- Student must be currently enrolled in a recognized university, government college, non-government college, Gram Vidyapeeth GBTC college, or technical institute in Gujarat.
- Application can be filed by the student, guardian, or legal heir.
- No income limit applies to this scheme.
Application Process
Application for this scheme is offline. Students can follow these steps to file the claim:
STEP 1 - Visit the college administration office and ask for the prescribed application form from the staff member who handles student insurance applications.
STEP 2 - Fill all mandatory fields in the form and attach self-attested copies of the required documents.
STEP 3 - Submit the filled and signed application with documents at the college office. College forwards the file to the office of the Commissioner of Higher Education for approval.
Documents
Keep these documents ready when filing the application:
- Aadhaar Card
- Affidavit
- Bonafide Certificate from the college
- Death Certificate, if applicable
- Valid Identity Card
- Passport-size Photographs
- Post-Mortem (PM) Report, if applicable
- Official Accident Report
- Bank Passbook or Cancelled Cheque
- Driving License
- Panchnama, in case of accidental death
- Disability Certificate, if applicable
- College Fee Receipt
References
Official scheme guidelines on Education Department Gujarat website
Scheme details on Gujarat Mari Yojana Portal
Gujarat First report on insurance payout to student families
Check the full list of Gujarat government schemes on sarkariyojana.com.
FAQ's
Who can apply under this scheme?
Students studying in recognized universities, government or non-government colleges, GBTC, Gram Vidyapeeth, or technical institutes in Gujarat can apply. Guardian or legal heir can file the claim for a student.
What is the maximum financial support under the scheme?
Up to ₹1,00,000 is paid for accidental death or permanent total disability. For permanent partial disability, the amount is up to ₹50,000.
Are natural deaths covered?
Yes, death due to natural causes is covered as per the conditions of the insurance policy.
Who receives the benefit in case of the student's death?
The legal guardian or the legal heir of the student receives the amount.
Is there an income limit to apply?
No, there is no income limit under this scheme.
Do students need to pay any premium?
No, the form and the insurance cover are free for students. The state government funds the scheme.
Can students studying outside Gujarat apply?
No, only students studying in institutes located in Gujarat are eligible.