Group Accident Insurance Scheme under PMMSY: Permanent Partial Disability Gujarat

Scheme Category

Agriculture,Rural & Environment,Banking,Financial Services and Insurance,Insurance

Target Beneficiaries

Industries

Brief Description

The scheme aims to provide financial assistance to fishermen/fishermen's families in case of death or injury. Through this scheme, insurance coverage for Permanent Partial Disability is provided to eligible fishers.

Benefit Type

Cash

Eligibility Criteria

1. The applicant must be a fisher, which includes fishermen, fish workers, fish farmers, and any other person directly involved in fishing or fisheries-related activities. 1. The applicant must be between 18 and 70 years old. 1. The insured person should not have been 71 years of age on the date of the accident. 1. The applicant must be approved by the State/Union Territory (UT) fisheries department. 1. At the time of a claim, the claimant or insured fisher must be verified and certified by an "Appropriate Authority". 1. The applicant should have registered himself in the concerned district office.

Application Mode

Offline

Application Process

1. Fishers or their legal heirs must submit the required documents to the concerned district office for assistance. 1. The claim details must be intimated within 90 days of the accident via one of the following recognised communication methods: - Letter to the Insurance Company/NFDB Insurance Cell/Intermediary. - Email to support@pmmsygais.com. - Through the IT & ITES platforms provided by the intermediary. - Via the NFDB Toll-Free Number (1800-425-1660). - To the "Appropriate Authorities". > Note: All claim documents must be submitted within 180 days of the accident.

Required Documents

• Documents (duly filled in all respects) common to all claims:
• Intimation Form
• Claim Form
• Cancelled Cheque of claimant/insured/nominee/legal heir/s (or) copy of first page Bank Pass Book of claimant/insured/nominee/legal heir/s (or) copy of bank account statement of claimant/insured/nominee/legal heir/s duly attested by a gazetted officer along with self attestation
• Certification by the Appropriate Authority
• Any one of the IDs as mentioned, in the list of acceptable documents as proof of identity and proof of address from the general public in the country, by the Government of India. Any one of the acceptable IDs as proof of identity and address issued by the Government of India
• With respect to the requirement/s of claim documents or certificates, the law of the land in correlation to the customs and traditions of the geography shall prevail over the documents specified in this agreement.
• Other documents required for specific kinds of accidents:
• Road/Railway Accident: First Information Report (FIR) or Railway Protection Force (RPF) report, Spot Panchnama, Inquest Panchnama, Post Mortem Report, Valid Driving License (if the insured was driving), and Death Certificate.
• Drowning: First Information Report (FIR)/Police Report, Post Mortem Report, Spot Panchnama, Inquest Panchnama, Death Certificate, and statements from two witnesses.
• Missing at Sea: A declaration by the family and a certificate from an Appropriate Authority.
• Fire: First Information Report (FIR)/Police Report, Post Mortem Report, and Death Certificate. If the body is completely charred, a declaration by a family member and a certificate from an Appropriate Authority are required.
• Poisonous Substances: First Information Report (FIR)/Police Report, Post Mortem Report, Viscera Report, Forensic Lab Report, and Death Certificate.
• Lightning/Electric Shock: First Information Report (FIR)/Police Report, Post Mortem Report, Inquest Panchnama, Spot Panchnama, and Death Certificate.
• Machinery: First Information Report (FIR)/Police Report, Post Mortem Report, Spot Panchnama, Inquest Panchnama, and Death Certificate.
• Murder: First Information Report (FIR), Spot Panchnama, Inquest Panchnama, Post Mortem Report, Death Certificate, and Final Police Report (if necessary).
• Falling from Heights/Naxalite Murder/Riots : First Information Report (FIR)/Police Report, Spot Panchnama, Inquest Panchnama, Post Mortem Report, and Death Certificate.
• Animal-related Injury (e.g., snake bite, rabies): A certificate from a registered medical practitioner confirming the cause of death/disablement. If available, also include First Information Report (FIR)/Police Report, Inquest Panchnama, Post Mortem Report/Forensic Lab Report, Viscera Report (if not concluded from the Post Mortem Report), and Death Certificate.
• Additional Documents for Specific Claims
• Permanent Partial Disability (PPD): Original detailed discharge summary, treating doctor's certificate, copy of FIR or Medico Legal Certificate (MLC), first consultation letter, and a disability certificate with a photograph from a government hospital specialist.
• Note: Certified or true copies of the First Information Report (FIR) and Post Mortem Report are required, not the originals.