PMMSY Disability Insurance for Fishers Gujarat

Overview

This scheme is a component of the Pradhan Mantri Matsya Sampada Yojana (PMMSY) that provides group accident insurance to fishermen in Gujarat. Specifically, it covers cases of permanent partial disability resulting from accidents during fishing or related work.

It is part of a broader social security framework under PMMSY that protects fishermen who face significant occupational risk every time they go out to sea or inland waters.

Objective

The scheme aims to financially support fishermen who suffer permanent partial disability due to accidents during fishing. It ensures they are not left without income or recourse when their earning capacity is reduced by a workplace injury.

It also encourages fishermen to stay engaged in the sector by reducing the economic fear of disability.

Benefits

• Insurance payout for permanent partial disability certified by a government doctor
• Coverage amount varies based on the degree and nature of the disability
• Benefits disbursed through direct bank transfer to the fisherman’s account
• Part of the comprehensive group insurance package offered under PMMSY

Eligibility

• Active fishermen registered under PMMSY in Gujarat
• Must have suffered a permanent partial disability from a fishing-related accident
• Should hold a valid fisherman identity card issued by the state
• Disability must be certified by a recognized government medical authority

Exclusions

• Disability not directly linked to fishing or related activities
• Pre-existing conditions presented as accident-related injuries
• Fishermen not enrolled under the PMMSY group insurance plan
• Self-inflicted injuries

Application Process

Claims must be submitted to the District Fisheries Department along with a medical certificate confirming the nature and degree of the disability. The district office verifies the claim and forwards it to the insurance provider for settlement.

Claims must be lodged within the prescribed time frame following the accident.

Documents Required

• PMMSY registration card or fisherman identity card
• Accident report or FIR
• Medical certificate confirming permanent partial disability
• Aadhaar card
• Bank account details for disbursement
• Supporting photographs of injury if required by the insurer